Robinsons Insurance Agency Blog
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.
Contracting is a business that must keep a close eye on its finances, unsurprisingly. Payment for finished works is frequently well worth the effort, although the delay between the start of the project and payment might be months.
As an outcome, many companies keep a strict eye on their budgets and are hesitant to invest in more capital unless it is necessary. These businesses don't realize that forcing staff to work with old-fashioned machinery may cost them money while risking their lives.
Keeping employees motivated is arguably one of the hardest parts of running a company. Motivation is the set of forces that initiates, directs, and makes people persist in their efforts to accomplish a goal. Everyone is different that is why management needs to have insight and really work on making employees satisfied and productive at work. There are several factors that affect motivation, which includes effort, performance, need satisfaction, extrinsic and intrinsic rewards, and other personal needs of the employees. This article will discuss further about effort and performance and the addition of goal to the basic model of work motivation and performance.
Hurricane season might be inevitable, but having the right insurance can give assurance and protection. Given the strength of hurricanes, it's understandable how you care about your homes. But having a strong constructed home still surely helps.
Every auto insurance policy varies depending on various factors. Some people may upgrade their policy once every six months. At the same time, you may only want to revisit yours once every year. That being said, there are only specific situations when it's typically practical for you to update your insurance policy.
Giving back to the environment is a company's social responsibility. Building a structure through sustainable materials is surely a good idea. Green buildings use renewable and local materials. Reducing wasted energy when the building is being used.
Maximizing these materials positively affects the environment as a whole. The same goes for those who occupy the structure in many ways. Designed as an energy-efficient structure, buildings structured through eco-friendly practices are truly material.
In recent years, eco-friendly construction paved its way to popularity. Many consumers and the construction industry see this as a great change, affecting their outlook on construction processes. In that way, many more firms decided to shift into eco-friendly practices in their business projects.
Starting your small business entails a lot of challenges and risks. You may go to sleep one day with a booming business, and then next, you’re already facing a lawsuit. Fortunately, there are available options to mitigate these risks, like purchasing business insurance.
According to the U.S Small Business Association, business insurance should protect entrepreneurs in cases of unexpected costs during their operation. This might cover damages from disasters, accidents, and other perils. If you don’t have one, you’ll be forced to pay for all the damages out of your own pocket.
If you’re a small business owner or planning to start your own business, here are three types of insurance you should purchase:
Because it is expressly created for freelancers and small company owners, a Business Owners Policy (BOP) is a popular choice among entrepreneurs.
It's a popular choice among entrepreneurs as it is expressly created for freelancers and small company owners.
From fire and theft to property damage and litigation, your BOP has you covered. Let's look at BOP and when and why they are useful.
A handyman does a lot of maintenance work ranging from minor drywall patch-up to replacing a roofing shingle. The question is how does a handyman different from a general contractor and other specialty trade contractors? Most insurance companies would differentiate a handyman from a General Contractor by the amount of each project or completed job. Most insurance companies classify a handyman if he is not earning more than $2,500 per single job and anything more than that is already considered a specialty trade or a general contractor. With the current US inflation rates and materials getting more expensive, that $2,500 gray area can be easily crossed. Each state also has specific definition what a handyman and GC can legally do so best to check the state's website for licensing rules and work permit requirements. Just like other type of contractors, a handyman mainly needs a General Liability insurance, to protect himself and his business from financial loss against third parties who might sue him and his company for bodily injury or property damage.
Accidents happen, no matter how careful a driver you are. And if they do, it's your insurer's responsibility to mitigate the financial consequences. After all, that's why you have auto insurance.
Accident forgiveness coverage is a way insurers achieve this. Here's a look at what accident forgiveness is, how to qualify for it, and the advantages of having it.
When you operate a business, you are responsible for diverse people, from staff to consumers. Moreover, your company's operations can have major and severe implications for these consumers.
To know more about why you made the right choice in getting your insurance and why you should keep it, keep on reading.
In Texas, a Certificate of Insurance is required when an initial application for license is submitted and when there is a change in license assignment like a name change upon the request of the department. The insurance Acord form is acceptable proof of insurance as long it provides the following information: licensee name and number, A/C company name with address, policy number and effective/expiration dates, limits of coverage, insurance company name and contact information, and signature of authorized insurance representative.
Having a contracting company comes with its own set of dangers. There are several ways for individuals to become injured or for property to be damaged. Whatever physical injury or property damage occurs on the project, the contractor will almost certainly be the one to file a claim—and may be obliged to pay for out of hand.
If you're still unsure about how your insurance works, here's a refresher on the many types of contractor's insurance and their relevance.