As a small business owner, you’ve probably thought you didn’t need Employment Practices Liability Insurance (EPLI). Nobody sues small businesses or their owners, right? Well you may not want to gamble your business on that assumption. A business is far more likely to file an Employment Practices Liability claim than a General Liability or Property Claim, yet many businesses forego the EPLI coverage while they wouldn’t consider going without coverage for fire.
Just like homeowners who have homeowners insurance, renters will need renters insurance. Believe it or not, your personal property in your apartment is worth more than you think. Simply start adding up the costs of all your items and look at the total amount. It may surprise you to find out how much everything is worth. If your apartment building suffered a major loss such as a fire, you may be unable to replace your belongings if you have to pay out of pocket. Anything can happen to your apartment and it would not be the responsibility of your landlord to repair or replace your personal property. Whether someone breaks into your apartment and steals your valuables or a fire happens in your building and destroys your property, you could lose everything. But with renters insurance, you could be covered for the damages to your property at its current market value (replacement cost) or the replacement cost minus depreciation (Actual Cash Value).
Topics: renters insurance
We all have personal items that mean a lot to us and we want to ensure they are protected. But how protected are these items? Having homeowners insurance may not cover the full loss of some of your most valuable possessions should you have a claim. Most homeowners insurance policies have a coverage limit for items like fine jewelry, art and antiques, and computers. If your diamond ring or camera equipment were lost, stolen or destroyed would you have enough coverage to replace them?
With Valentine's Day coming up, help spread the joy and love shown on children's faces by supporting Bears on Board, Inc. This is a non-profit organization that helps provide stuffed animals to first responders to give to children in crisis. After a traumatic accident, or the loss of a home, children and their families feel vulnerable due to all that is lost. Please, help brighten a child's day - one simple small gesture will change their life.
Topics: Bears on Board
All it takes is one accident and the damage is done. This accident can range from anything between someone slipping on black ice in front of your property because you didn't shovel your sidewalk well or even rear-ending someone's car. Having umbrella insurance is that extra safety protection you can count on and trust.
Topics: umbrella insurance
As the days get colder and snow falls get heavier, make sure you stay prepared during the winter storm. It is important to have an emergency kit prepared and stay inside and off the roads during a storm. That way plow workers can do their job efficiently and quickly as possible.