Monthly Archives: October 2016

antique classic car insurance

Why You Need Coverage for Your Antique Vehicles

Whether you rebuild from scratch or you’re into buying a ready-made model, collecting antique cars is no cheap hobby. While it can be an expensive pastime, it’s one which hundreds of thousands of people across the globe deeply enjoy. If you’re one of the people who enjoys the classics and wants to show off your own, then you need to invest in antique classic car insurance before hitting the road or putting your ride on display. This may seem like an additional, unnecessary cost for collectors, but it’s really a must if you’re serious about collecting. This coverage:

  • Protects you in the event that your antique vehicle causes injury or property damage of any sort while at an auto show or similar event.
  • Helps to insure your original parts against certain types of unforeseen damage, whether you’re on the road or simply have it parked in a safe area.
  • Keeps your vehicle from depreciating at the rapid pace that’s oftentimes associated with automobiles, even classic ones.

With these benefits in mind, it’s easy to see why you really need antique classic car insurance for your collection. Speaking with a professional about specifics can help you get a quoted price and get your cars under protection as soon as possible so you can enjoy your collection without worrying about threats.

insurance for bars

What Type of Insurance Do I Need for My Bar?

All bars need a comprehensive insurance plan to cover the cost of alcohol-related incidences and legal claims. Here are some of the benefits that comprehensive insurance for bars provides.

General Liability

General liability insurance protects you against patron claims such as personal property damage, personal injury and bodily injury. It also covers replacement costs when patrons damage your personal property inside the bar.

Liquor Liability

If a customer suffers an accident or gets into a fight after being served alcohol at your bar, your liquor liability insurance can cover the costs of associated claims against you.

Products and Completed Operations

This type of insurance protects you when patrons experience food poisoning, allergic reactions or illness after eating or drinking at your bar.

Assault and Battery

When your security staff is accused of using unnecessary or excessive force against a patron, assault and battery insurance steps in to protect your business and your staff. It also protects your business when patrons fight inside your bar.

Excess Liability

Sometimes you need extra insurance beyond the minimum. Excess liability gives you more coverage across all components of your comprehensive program.

Do not wait until accidents happen to research insurance plans. Call a provider that offers comprehensive insurance for bars in order to protect your business assets.

classic collectors insurance

3 Factors that Raise Your Classic Car Insurance Costs

Classic collectors insurance has been helping those with a passion for building or buying classic cars protect these assets for decades. This is excellent, considering the huge variety of threats which classics can face on a daily basis in some areas. However, if you’ve been looking into investing in this service, the price can seem a bit steep, or simply unnecessary. The truth of the matter is that there are several different aspects that will impact the cost of insuring your particular vehicle.

  • How the vehicle is used. Is your classic sitting in a well-ventilated and safe garage, or are you still taking it out for a spin every now and again? The threats your ride faces greatly increase or decrease based your answer, therefore impacting the cost of insurance.
  • Submission into events such as auto shows can also impact the cost of insuring your ride. Regardless of how careful you are, there’s always a chance of injury occurring when your car is in a public space, and this will be reflected by the cost.
  • Additional accessories like memorabilia or ornaments that are a part of the car can raise the cost as well, as they provide more room for mistakes or damage to occur in some cases.

These are some of the greatest factors that impact the price of your classic collectors insurance, but there are several more conditions that impact the cost as well. Speak to a professional to learn more and get an estimate on how much it’ll take to keep your classic safe.

dog bite insurance claims

Protect Yourself From Dog Bite Claims

Unfortunately, our dogs cannot talk to us and tell us when something is wrong. When they become frightened or hurt, they only know how to communicate in their own language. This may mean cowering in fear, or it could mean acting aggressively. Dog bite insurance claims can be costly, and might mean you have to find your dog a new home due to these expenses. It is a good idea to take precautions. Making sure your dog is trained, leashing your dog and socializing at a young age are all measures that can help prevent an accident in the first place. It is also a good idea to protect yourself financially.

Laws vary from state to state. Many states deem an owner responsible if the owner knew or should have known their dog had a tendency to bite. Some states hold a dog owner responsible for injuries regardless of whether or not the owner knew the dog might bite. Other states have “breed specific” laws that designate certain breeds of dogs as vicious. In these states, simply owning a dog deemed vicious is enough to hold an owner liable. All of these laws can be confusing. The best course of action is to make sure you are covered regardless of the state or your dog’s propensity to bite. Several companies provide policies that specifically cover against dog bite insurance claims. These policies can be a real lifesaver.

staffing insurance

Key Traits of Quality Staffing Insurance Providers

Your insurance provider plays a large part in determining the quality of your actual insurance plan. Therefore, you want to make sure that you select a quality provider. When selecting your staffing insurance provider, there are a few key traits that you should look for.

Positive Reputation

One of the easiest ways to predict how your relationship with a provider will be is to review how they have treated their clients in the past. Therefore, you want to look at reviews or try to speak with other business owners who have used them or are currently using them for their insurance needs.

Notable Associations

To be associated with certain organizations, a company has to meet specific standards. Therefore, it is a positive sign when an insurance provider is associated with well-known and respected insurance organizations and carriers.

Relevance to Industry

As the world changes, so should the stipulations and protection of certain policies. To accomplish this it is important that your provider be up to date on any industry trends and best practices. Many times, you can find this information, along with the aforementioned components, through an online search.

As you make your decision about your staffing insurance provider, be sure to check for these traits. You should also review the benefits offered in the plan to ensure that you receive the quality coverage that you need. Should you have any questions or want to learn more about a policy, contact your local provider.

Dentist Aliso Viejo

3 Benefits of Having a Healthy Smile

From brushing and flossing to avoiding sugary drinks to regularly visiting a dentist in Aliso Viejo, you likely know many ways to keep your smile bright. Here are some good reasons to take care of your teeth.

Boost Your Confidence

Your smile is the first thing people see when you walk in the room. Having healthy teeth can improve your self-image, which has a positive impact on your relationships and self-esteem.

Increase Your Comfort

In addition to causing annoyance and distress, mouth discomfort can hinder your ability to eat, sleep, and concentrate. Tooth and jaw pain can be caused by everything from cavities to grinding your teeth, so make sure to have your mouth regularly evaluated to catch problems before they become painful.

Improve Your Overall Health

Your oral health has important impacts on your overall well-being. Plaque buildup in your mouth can cause gum infections and even provide a route for bacteria to enter your bloodstream. Other medical conditions often present with oral symptoms, so it’s important to have your mouth checked regularly for anything unusual.

Taking care of your teeth has a big impact on your quality of life. Keep on brushing and remember to visit a dentist in Alisa Viejo to continue reaping the benefits of good oral health.

Construction Insurance in Wayne, NJ

Types of Construction Insurance You Might Need

Before beginning your next project, it’s worth your while to check out some available coverage options from companies offering construction insurance in Wayne, NJ to find out how they could benefit you. Depending on the size of your operation and the project at hand, you could need a wide number of coverage options or only a handful. Some of those that have benefited and continue to assist construction companies of all shapes and sizes include:

  • Business auto coverage, which provides coverage for the vehicles your business owns that might not be used on the job.
  • Coverage for the big, important pieces of equipment and machinery that help you to get the job done at the work site. This means if your equipment breaks down, you won’t be scrambling to get funds for repairs.
  • Business interruption, which may reimburse you if you have to shut down the project before completing. This can help cover lost profits, relocation and other various costs.

These are some of the most common, most effective means of protecting your business from lawsuits and loss of profits out there, and can be found with a variety of great agencies. Speak to a professional in order to assess your company’s needs and get the coverage you require to keep your business safe both in the present and in the future.

Knowing When it Is Time for You to Switch Insurers

If your frustrations with your current insurer have reached their peak, it may be time for you to start shopping for temporary staffing insurance with a better company. Just because you have an established history with a particular insurer doesn’t mean that you are obligated to stay with them. They may not be giving you the best rates nor a sufficient amount of coverage in your policy. Instead of sticking around out of loyalty, protect your company’s best interest by finding an insurer that truly values it policy holders.

Red Flags

Although you are getting financial protection for your company from an insurer, you should never have to compromise on any of your experiences when you interact with them. Poor customer service, miscommunication, inaccurate information, lengthy claims processes and high claim rejection rates are all red flags you should keep an eye out for. If you run into any temporary staffing insurance companies that have them, steer clear and continue looking elsewhere. You may run into a few duds before you find one that makes the grade.

No matter how great an insurer is, reevaluate your policies and experiences with them every six months to a year. It’s a great way to ensure that you always get the caliber of services and insurance products you deserve.