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Five Key Insurance Programs for Small Businesses
Everyone knows you need to have auto insurance to drive a car. Most people know you need homeowners insurance if you own a home. Small-business owners, however, sometimes overlook the importance of insuring their businesses. Here are five key types of insurance you need for your small business.

Other insurance liability Related Articles

Do I Need Insurance for My Home Based Business
Generally, you do not meet with clients at your home office if you run a home-based business. In a home-based business your bigger concern is protecting the equipment (property insurance), not the customer liability (casualty/liability insurance). Depending on the scope of your home-based business, your homeowner’s policy might not be enough to cover the cost of your business equipment. A homeowner’s policy usually covers for a small amount, but it is often not enough to cover you business equipment losses. If this is the case, you will have to shop around for more substantial business insurance or increase the coverage of your homeowner’s insurance

Many Churches do Not Have the Proper Insurance
Being a member of a Church that is improperly insured can lead to a catastrophic outcome if a lawsuit occurs. Concerns arise for Church Insurance, Religious Organization Insurance, Pastoral Liability and Institutional Insurance, regardless of sect. A lawsuit of any size or nature can cripple a religious organizations existence in exorbitant legal fees.

General Contractors Liability Insurance, Certificates of Insurance, the Misnomers
General Contractors Liability Insurance, Additional Insureds, Certificates of Insurance, the Misnomers. Regarding General Contractors Liability Insurance and General Liability Insurance Certificates, there is a grand misnomer running rampant through the construction industry in NY, NJ and MA. I only speak about these states because I am familiar with their laws as they apply to the insurance, construction industry and the labor law. Please check your federal (OSHA), state, city and local government for laws as they apply to the construction industry and the labor law.

Insurance Programs and You
Discussing the benefits of group insurance coverage for health/dental, home and auto insurance and professional liability Insurance.

How to Become an Insurance Agent
How to become an insurance agent is not something people just randomly go around asking others. Insurance can be a lucrative carrier for individuals who are sales mind people pleasers. There are different types of agents who specialize in several different types of insurance policies. Typically though the insurance fields most people go into are life, health, property and liability insurance. Below are some ideas on how to become an insurance agent that might help you on your way. The first step to any new enterprise is to do the homework. Research all of the different types of insurance and realize where they are different. You might want to specialize in just one or two types of insurance or offer the full spectrum. Really this depends on you.

How Car Insurance Works
At the very least, auto insurance covers damage to your car as a result of an accident. Some states also require liability insurance which will provide funds to cover damage done to others. It’s important to know your state’s car insurance requirements.

Life Insurance Online – How To Guide
Life insurance offers owners the ability to give financial stability and constancy to family members and loved ones. There are a variety of life insurance options currently available: child life insurance, whole life insurance, term life insurance, accidental life insurance, disability life insurance, universal life insurance and guaranteed life insurance to name a few. Yet, with such an assortment of choices, policies, prices and benefits, finding the perfect life insurance representative can seem daunting.

Apartment Renters Insurance Basics
Most apartment complexes, as well as a lot of smaller landlords, require their tenants to carry this insurance as a condition of the lease. Even if a renter is not required to purchase it, it still makes a lot of sense.Renters insurance policies are most often written on a standard HO-4 policy form. The HO-4 policy form consists of four coverages "packaged" for a low price. Included in the plan is coverage for personal property, loss of use, liability and medical payments

Know The “Ins & Outs” of Rehabbing
There are some essential elements to the process that as a real estate mentor I always advise be checked off your list. As far as any skilled work that is performed, you will want to see the proof of a State Contractor License, Liability Insurance, Workman’s Compensation Insurance (if they have employees) and references. Of course, once you have these documents on file it won’t be necessary to go through this again except to update them as necessary.

Insurance Defense Costs
Does Your Business Insurance Policy Cover Defense Costs Within the Insurance Limit or Defense Costs Outside of the Insurance Limit? Did you know that a liability policy, which is part of any typical business insurance policy or commercial insurance policy coverage, has two distinct obligations? A liability insurance policy, if it is a general liability, product liability or professional liability insurance policy is designed to protect you against your legal obligation to pay others because you have hurt them and/or have damaged their property. A policy also defends you against claims or lawsuits. In other words, besides paying for claims or suits, a liability policy also pays for their related legal costs and court fees.

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