Robinsons Insurance Agency Blog
Homeownership comes with a lot of responsibility. When you own a property, you must ensure that it’s safe and secure and can withstand any natural disasters or accidents. That’s why hazard insurance is so important. Hazard insurance protects your home from unexpected events, such as fires, storms, theft, earthquakes, and floods. It also covers damages caused by certain people or animals on the property—for example, if someone gets injured on your property or if your dog bites someone. In this blog post, we’ll explain hazard insurance and why you should consider getting it for your home.
Builders’ risk insurance is a type of property insurance coverage that protects against damage to buildings or other structures during construction. In addition to covering the physical building, builders’ risk insurance can also include coverage for on-site personal property and any materials used in the project. These policies are typically purchased by builders, developers, and contractors to protect themselves against financial losses due to risks such as damage from weather events, theft, or vandalism while the project is in progress.
HVAC contractors play an essential role in maintaining the comfort and safety of our homes and businesses. Whether you are an HVAC contractor yourself, or you work with HVAC contractors as part of your job, it is important to have the right liability insurance coverage in place. HVAC contractors need specialized insurance in order to protect their businesses from the various risks and challenges associated with this line of work. Some of the key features that HVAC contractors should look for when shopping for insurance include coverage for equipment breakdown, liability protection, and property damage coverage. Additionally, HVAC contractors should seek out policies that offer flexible payment plans and affordable premiums, as well as personalized customer service and support. Among the insurance needed by HVAC contractors are General Liability Insurance, Worker's Compensation, Commercial Auto, Inland Marine, Umbrella Policy, and Business Owner's Policy.
Running a restaurant can be a lucrative business venture, but it also comes with its fair share of risks. That's why it's important to have the right insurance in place to protect your business. In this blog post, we will discuss the different types of insurance that are essential for restaurants. As a restaurant owner, it is important to have the proper insurance coverage in case of any unexpected events, such as property damage, personal injury, food contamination claims, and employee benefits claims. Some common types of restaurant insurance policies are liability insurance, property insurance, liquor liability, and business interruption insurance.
Working on a construction site requires resilience. Employees must be able to work in various hazardous environments, including working at heights, operating heavy machinery, working in tight spaces, and navigating uneven surfaces. While it is the employer's responsibility to provide a safe workplace, employees have responsibilities of their own to limit potential risks.
Let’s check out the safety measures that a contractor needs to know.
A claim under an event policy can be made at any time for losses during the policy's coverage period. Unless a "tail" extension is purchased, claims-made insurance only covers incidents that occur and are reported within the policy's time frame.
Insurance companies may provide two types of liability coverage: occurrence policy and claims-made policy. Two variables mostly determine the limits that come with various insurance plans:
Your time, effort, and money are required to start a business. You can't make your enterprise work if you do not invest in something. In short, you can't get what you did not give. Most entrepreneurs seek help from potential investors with financial ventures. The question is, how will you persuade them to invest in your start-up business?
Businesses keep their personal and employees' information, inventories, and even their clients' data for legal reasons. Entrepreneurs need to have a Data Protection Checklist to keep their data protected. This protection keeps your business safe and lets it run smoothly.
People sometimes want a warm and relaxing bath at the end of the day, and a nice water heater can make that come true. But what if the heater is not working?
Thankfully, Homeowners Insurance may help you with your damaged water heater. If your water heater broke unexpectedly and accidentally, most likely, the insurance provider would be helping you with the repairs. However, there are certain situations in which it won't offer coverage.
Tires are essential parts of your vehicle. It supports the car's load, brake forces, changing directions, transmitting tractions, and even absorbing road shocks. That's why it's important to take care of and maintain your car tires.
If your car insurance has comprehensive collision coverage, they likely cover your tires. But first, let's define these two coverages.
Contractors' insurance protects your company from financially devastating work-related incidents. If the company experiences tragic circumstances, it must secure its livelihood with appropriate coverages and restrictions.
Many businesses or even companies suffer worker injuries and property damage. The right insurance can reduce risk and secure your business from unexpected disasters.
Absolutely. There are a lot of benefits of bringing dogs into the workplace. These lovable, furry companions can help employees reduce stress and inspire employees to work harder and be more productive.
With so much stress and tension in the workplace, it might be time to reconsider the benefits of dogs in the workplace.
Owning a business can be exciting, but you are accountable for its success. It is critical to find superior insurance to protect your company from risks.
Whether in a small retail or a multimillion-dollar corporation, you need business interruption insurance. Your business insurance policy (also known as business income coverage) can assist you in replacing lost income after a disaster. The occurrence could have been a fire, theft, or natural disaster that disrupted your business.
Read on to learn more about this policy.
If you've recently purchased your first home or are looking to upgrade your coverage, you may be wondering, "Does home insurance cover natural disasters?"
Tornados, Hurricanes, and lightning strike damage are some that are usually covered by your standard home insurance policies. If you can bear to read on, you'll find more information about your homeowners' insurance.
It's challenging to separate and develop your personality in a world where everyone wants to be number one. Hence, one of the most difficult aspects of beginning your own business is determining how to differentiate yourself from your competitors. It's difficult, but it's not impossible.
Balancing many factors is difficult, but starting with a distinctive company concept is simpler. Because today's market is so competitive, you must stand out to thrive. So, here are the top 3 best ideas you can consider for your business this 2022.
Apart from your bedroom, the living room is most likely where you spend most of your time resting. Furthermore, when you have visitors, here is where you receive and entertain them. And when you're alone or with your family, it's usually the space where you watch football games or meet for movie nights.
With all of these activities available in your living room, it's reasonable to argue that it should be an area that is both comfortable and functional. Add to that the new trends that are constantly appearing. It might be difficult to decide how to renovate your living room, whether it's simply a mini makeover or a major overhaul. So, here are three ideas to elevate your living room.
A business owner's policy combines property insurance and liability coverage into one convenient package. It should provide small businesses with less expensive protection than purchasing those coverages separately. It is a standardized policy typically available for fewer than 100 employees.
While BOPs cover a wide range of risks for your company, you don't have to worry about purchasing something you don't require. This insurance may be adjusted to meet your company's specific needs, with extra coverage for risks like cyber liability, equipment malfunction, personal and advertising harm, and more.
Contractors' all-risk insurance is intended to provide you with the necessary protection for your tools of the trade, the plant, and the machinery you may employ on-site, as well as the supplies required to complete the task.
It is deemed one of the complete techniques for safeguarding physical works, drawings, temporary structures, tools, and equipment on your construction site. Also, this type of coverage should allow you to tailor the coverage to your specific needs and requirements.
Do you want to make your backyard more eco-friendly? You can make your yard look stunning and eco-friendly by taking inspiration here. Below are a few improvements you can add to your yard to add that natural flair you are looking for.
Subscribing to commercial insurance may protect your business, for it is designed to support both the owners and employees. It consists of different coverage types that fit the company's needs–each with corresponding insurance costs. Here are the factors that influence your business insurance rates.
Commercial General Liability (CGL) insurance differs from a Business Owners Policy (BOP) in that the former covers just liability losses while the latter covers both property and liability damages. Continue reading to learn about the difference between these policies to know which applies to you.
Prior acts coverage is a component of an insurance policy that covers claims for insurable events before you purchased the policy. Today, you'll be reading more about prior acts coverage in this article to deepen your understanding.
Refinancing a mortgage in today's low-interest environment can not only save you funds but can also help property owners access the equity they've built up in their residence. It's crucial to understand how the process works, how your credit affects your rate, and what you'll do to have the best outcome before starting.
Why should you refinance your mortgage? There are a few frequent reasons for this:
Companies comply with many domestic and international rules, necessitating strict compliance processes to manage and reduce risks. Without any of these safeguards in place, businesses risk facing concerns such as privacy protection, financial fraud, and a slew of other problems.
The technique to ensure they've taken the necessary precautions to avoid a breach? A company must hire a compliance officer.
Every business is a product of long term hard-work and dedication. One admirable characteristic of it is having resilience in its industry.
However, anyone is vulnerable to accidents and disasters. Events beyond your control can significantly affect your business. That being the case, the losses may be more manageable with the help of business insurance.