What Is Occupational Accident Insurance?

Workers’ compensation laws vary between states, but most require coverage if you have a certain number of employees. Occupational accident insurance (OAI) can help provide for employers and employees in the absence of workers’ compensation coverage. Advantages of Occupational Accident Insurance One of the biggest advantages of OAI is that it can be customized to…

insurance for retail businesses

General Liability for a Retailer

Operating a retail business could include a number of different products, but in general, retail operations share similar liability exposures. The traffic coming through the doors, the employees serving customers, and the exchange of financial information all present a number of risks, so the insurance for retail businesses should have more than one coverage application.…

owensgroup

4 Good Reasons To Have Guaranteed Replacement Cost Insurance

Being a homeowner can feel refreshing for anyone who has paid rent or lived under someone else’s roof. However, it also comes with unexpected circumstances. Adding guaranteed replacement cost insurance is recommended to financially cover your home. Here is why. 1. Current vs. Original Value The original home value covered by homeowner’s insurance at the…

Marina Insurance Policy

What Marina Coverage Protects You From

As a marina owner, you are responsible for all of your members’ boats. If problems occur or if vessels are damaged, it may be your fault, according to https://www.wqis.com/. Here is what marina liability coverage can protect you from. Theft and Vandalism Despite security measures that you might take, theft and vandalism could happen. If…

cannabis insurance

A Just-In-Case Plan

If you’ve been in the marijuana business for a while now, then you already know that it’s not all rolling and smoking for eight hours a day. The industry requires a lot of careful thought and consideration for it to flourish, which means that you know firsthand how important it is to have a plan…

Daniels Insurance

5 Key Elements of a Surety Bond for Contractors

Construction contracts between parties often demand a financial guarantee that will protect against loss in the event of disruption of work or failure to meet contractual obligations. A construction bond us the type of surety bond that will ensure the bills for the project get paid. There are five primary things to know about this…

Moody Insurance

Bonds and Insurance for Contractors and Subcontractors

Consulting businesses and other service contractors are becoming a larger and more diverse group of industry niches than ever before. Specialization allows companies to take advantage of scale efficiencies, to the point where many businesses now find subcontracting more profitable than building their own infrastructure for many key resources. If you operate in this sphere,…