Category Archives: Specialty insurance lines

Dry cleaning insurance

Targeted Insurance for Dry Cleaners

Choosing a firm to provide insurance products to your business means more than just hiring a service. You’re getting a business partner that will support you when you need it the most. Whether it’s due to a utility interruption or an unforeseen accident at your facility like a fire, make sure you’re covered for any loss of business that may occur. However, dry cleaning insurance involves much more than just protection against business interruptions. Any company experienced working with dry cleaning companies as well as insurers focused on uniform rental or commercial laundry will have the portfolios you need to cover your greatest risks, even the ones you don’t know about.

The more that you’ve specialized your dry cleaning business, the more you need a targeted dry cleaning insurance package. A good company will offer umbrella policies along with products that focus on the risks specific to the industry like soil contamination or mysterious disappearance of customer goods. These policies are also available tailored to the needs of property owners who will be offering tenancy to laundry operations. In a business environment that is changing quickly with the development of new materials and the introduction of more stringent regulations, it’s important to go with an insurance company that’s weathered the changes in the past and come out on top.

temporary staffing insurance

Why Do You Need Temporary Staffing Insurance?

You may place workers with clients for days, weeks or months, but focusing on temporary staffing means a quick turnover and the likelihood that you will be dealing with a large number of people. There may be many people coming through your doors intending to work for clients, and this entails significant responsibility on the part of your company. Make sure your agency is insured against damage or injury caused by workers placed with clients with temporary staffing insurance.

The risks involved with temporary staffing can be greater than with permanent staff because of the number of people you are likely to be working with. Thorough screening is required, but it may be hard to catch every sign of potential problems. In addition, unexpected mistakes and mishaps can occur. Look for temporary staffing insurance that covers liability for bodily harm, property damage and monetary loss. You may also want coverage against cyber-crime and other kinds of misdeeds.

Be sure to screen potential workers thoroughly before placing them with clients. Do complete background checks and call prior employers for references. After doing this research, there is always a chance, of course, that problems may arise as the result of mistakes in the workplace. Make sure you are covered with temporary staffing insurance.

errors omissions manhattan

Why Your Accounting Business Could Benefit From Errors and Omissions Insurance

Accounting has long been a necessary trade, and owning and accounting business is one surefire way to turn a profit, particularly in the modern market. However, because of the high stakes which you and your employees often have to work with when it comes to balancing accounts, accidents can occur that put your business’s financial stability at risk. This is why having insurance for errors omissions in Manhattan is potentially one of the smartest things you can do for your business in the coming years. This service protects you from issues like:

  • Mistakes or oversights that result in substantial losses for clients or other oversights by your employees.
  • Failure to make a bid in certain situations in which serious gains could have been made for a client otherwise.
  • Failure to inform clients about important developments with their accounts that have the potential to impact them on a large basis.

These are all serious threats which any large or growing accounting company faces on a daily basis. Accidents in calculations can and do happen, so it’s best to protect yourself form the fallout with the help of errors omissions in Manhattan. Speaking with a professional is the best way to clear up any questions you may have about this service and to get started with getting your coverage right away.

Specialty insurance lines

How Hospice Providers Benefit From Specialty Insurance

Providing hospice care is one of the more austere facets of the health care industry. Specialty insurance lines are available for hospice providers so they can always focus on providing sensitive care that suits the gravity of the industry without undue worry about potential liability if something goes wrong.

While the chance of a hospice provider consciously abusing patients is slim, the potential for doctors who have poor intentions for their patients, or who may unintentionally cause harm, does exist. Specialty insurance can help protect the hospice firm from liability if that situation arises. In the same vein, violations of HIPPA laws are rarely made on purpose, but hospice providers need to be protected by specialty insurance lines in case a slip-up occurs.

There are also employees to consider when looking into insurance for a hospice firm. Worker’s compensation is just as necessary here as it is in any other industry. If employees visit patients at home in their own cars while on the job, there needs to be additional insurance to cover potential vehicle problems. Hospice providers should be able to concentrate on giving exceptional care instead of being bogged down in liability suits. To give themselves the most complete coverage available and turn their attention back to delivering the most delicate care possible, hospice providers should research specialty insurance lines.

 

Cyber Liability Coverage

Get The Most From Your Cyber Liability Coverage

You hope not to have to file a claim, but should you need to do so there are a few things that you need to keep in mind. Check out these tips to ensure that you get the most from your cyber liability coverage.

Know Your Policy

The first step in utilizing anything properly is to know how it works. The same is true with insurance. Take some time to read through your policy to make sure that you understand what and who is covered under each benefit. Since providers may make changes to your policy at times, it is a good practice to review your policy at least twice a year.

Gather Needed Materials

In order to file a claim there are certain procedures that you must adhere to. Each provider is different, so be sure that you understand the proper filing method for your policy. If handled incorrectly, it could slow down the progress of your case or result in denial of your claim.

Consult With Your Agent

If you have any questions, do not hesitate to contact your agent. Helping you with your policy is the agent’s job, and it is in your best interest to utilize all available resources.

By heeding these tips you can be sure to get the most out of your cyber liability coverage. For more helpful information, contact your local provider.

car insurance companies in CT

Tips to Help You Compare Car Insurance Quotes

All over the country people are looking to save a few extra dollars every month, and residents of Connecticut are no exception. You might be thinking about saving money on your auto insurance by shopping around. If you are comparing car insurance companies in CT, the following tips will help you.

Talk to Family and Friends

Many people have car insurance, so ask your friends and family how they feel about their policy. Have they been with the insurance company long? Are they satisfied with their rates? Are they satisfied with the customer service, especially if they have ever had to make a claim? Although this information isn’t available in an insurance quote, it can be very helpful in determining which insurance company will suit your needs best.

Look for Discounts

Many car insurance companies in CT offer discounts and good-driver rewards programs. Drivers of a certain age or people with consistently good driving records may be eligible for discounts. Be sure to ask about these potential savings while shopping.

When shopping car insurance companies in CT, remember to always get and compare at least three quotes. This way you will know exactly how much each kind of coverage may cost you. Consider working with an insurance agent who can help you compare insurance policies to find affordable rates.

classic collectors insurance

Things Brought Into Consideration When Getting Classic Collectors Insurance

You probably spent quite a bit of money to obtain your collector cars. It only makes sense to ensure they remain protected by acquiring classic collectors insurance for your vintage vehicles. Every policy is different, and certain items will need to be considered in order to determine what you need to pay.

What Constitutes “Classic”

Everyone has their own definition of what is considered a classic vehicle. Some agencies may only consider vehicles that are at least 25 years old to be classic while others only require a vehicle to be 10 years old. Of course, the make and model of the vehicle also needs to be considered.

Any Modifications

Is your vintage car exactly the way it is when it rolled off the lot or have certain modifications been made? This may affect the kind of coverage you are able to get. When you speak with an agent, you will need to bring to light what alterations have been made, if any.

Where It Is Kept

This may seem minor, but whether you have a garage can play a big role in the amount of coverage you receive. Many insurance companies want to know where this vehicle will be kept most of the time.

Bring as much information as you can to your consultation so that an agent will be able to help you get the best classic collectors insurance for your needs. Afterward, you can drive around with peace of mind.