FAQs on Dog Bite Liability Insurance

FAQs on Dog Bite Liability Insurance

If you’re considering taking out a dog bite liability insurance policy, it helps to know the questions that others in your situation have asked. Here are some of the top questions.

Does the Insurance Cover More Than Dog Bites?

Yes, this type of liability insurance typically covers scratches and falls in addition to bites. If your dog injures another animal instead of a person, that also tends to be covered. However, you should always check with specific insurers to ensure you understand everything they cover.

What Does a Settlement Take Care Of?

Dog bite settlements may cover medical bills, lost income, pain, plastic surgery and sometimes counseling.

Does It Cover Pit Bulls?

Dog bite liability insurance covers pit bulls and other breeds that traditional insurance companies decline to cover. You may also be able to get coverage for dogs with a demonstrated history of aggression.

How Flexible Are the Policies?

Dog liability insurance is pretty flexible. You can choose among several payment methods and coverage limits. For additional coverage, get an umbrella policy to supplement your primary policy.

Does Homeowners Insurance Cover Dog Bites?

In some cases, yes, but many exceptions apply–for instance, if it’s a dog’s second bite or if it occurred during business activities that you run from home. If a dog bite or dog-caused injury happens in your car, your homeowners insurance company and car insurance company may go to court to try to force the other to pay.

Cheap Commercial Insurance

Great Insurance Doesn’t Have to Be Expensive

Most people in the business sector regard insurance as a costly, but necessary, part of their company. However, insurance doesn’t need to cost you an arm and a leg. Cheap commercial insurance has a lot to offer business owners like you. Here are some benefits for choosing less expensive insurance.

Same Great Policies

When people think about cheap commercial insurance, they tend to assume that they will be getting less coverage. For some companies, that is not the case. A number of insurance services offer a range of incredible business insurance policies for a bargain. You can get everything from commercial general liabilities policies to cyber liability at a decreased rate. This means that you will be getting the insurance you need to cover every aspect of your business without having to pay a king’s ransom.

More Money for You

Paying less for your insurance leaves you with more money to spend on your business. You can also purchase more insurance policies that you wouldn’t have been able to afford at another insurance company. When you choose less expensive insurance, your possibilities are endless.

While many companies charge exorbitant rates for their insurance policies, there is a number that offer cheap commercial insurance. These policies give you everything you want out of you insurance coverage, without the insane price tag. Keep more money in your pocket by choosing insurance policies that cover everything you need for a lower price.

The Risks of Driving Without Car Insurance

The Risks of Driving Without Car Insurance

For many people, meeting a monthly budget can be a challenge. When living from paycheck to paycheck, it is tempting to cut back on some costs in an attempt to have money to spend elsewhere. However, car insurance in CT. should not be one of those things. Not only is it illegal to drive without insurance, but it can end up costing you much more in the long run.

Car Accidents

The number one reason not to drive without insurance is the possibility of getting in an accident. Without adequate coverage, even a small incident could leave you with significant debt. Not only would you find it difficult to cover the cost of your own car repairs, but if you are at fault you may also be required to pay for the other driver’s repairs, as well as medical bills and liability.

Gaps in Coverage

Going without car insurance in CT. even for a short time can make it difficult to obtain coverage later on. Having gaps in your coverage can make the premiums on a new policy rather high. The longer you go without having insurance, the higher your premiums are likely to be.

Car insurance in CT. is an essential part of being a responsible driver. Though it may seem difficult to pay the monthly bill, it is worth the protection received over time.

Important Types of Commercial Liability Insurance For Your Company to Acquire

Important Types of Commercial Liability Insurance For Your Company to Acquire

What type of protection do you need for you business? There are many forms of FL commercial liability insurance, and each one offers extensive financial security. If you have yet to obtain insurance, contact an agency and acquire the necessary coverage.

Protect Against Accidents With General Liability Insurance

One of the most important types of FL commercial liability insurance to have is general liability insurance. When clients injure themselves and try to hold your company responsible, this type of coverage provides support. In addition, it comes in handy in situations involving property damage and data loss. Accidents can happen at any time, and general liability insurance provides your company with the necessary financial cushion.

The Importance of Workers’ Compensation

Work-related injuries are commonplace in certain industries. With workers’ compensation, businesses can provide payment to injured employees without dipping into their financial resources. Workers’ compensation covers numerous expenses, including:

  • Medical bills
  • Rehabilitation
  • Lost wages
  • Disability

Workers’ compensation is about more than just protecting your business. It also protects your clients and ensures that their medical expenses are covered. For this reason, the coverage is an indispensable part of your company’s insurance policy.

Some types of FL commercial liability insurance are essential for your business to have. By speaking with an insurance agent, you can determine what types of protection are necessary and craft the appropriate insurance policy.

When Do You Need Specialty Homeowners Insurance?

When Do You Need Specialty Homeowners Insurance?

If you own one or multiple nontraditional homes, finding an insurance agency that can provide the coverage you need will be a difficult. While companies are in a rush to ensure traditional homes, lower valued property is often overlooked. An agency like Aegis MGA specializes in these underserved markets, so nonstandard homeowners can have a range of high quality coverage options.

Specialty Properties

If you have a mobile home or trailer, most insurance agencies will not have coverage options available for you. These low cost properties dont provide the same returns for the company as other high valued real estate. If you have an unoccupied property, power sports vehicle or older home, you may need specialty insurance.

Common Coverage Features

You will find that specialized insurance from Aegis MGA or others will have a range of basic coverage for your properties. These will likely mirror the standard policies for traditional homes.

  • Fire
  • Smoke
  • Glass breakage
  • Riot and/or civil commotion
  • Hail
  • Windstorm
  • Lightning
  • Robbery

The upper limits of the insurance will depend on the type and condition of the dwelling, but some policies can reach into the hundreds of thousands of dollars.

Before you give up the search for finding excellent coverage, look at specialty programs and agencies like Aegis MGA. They can give you the close attention you need to make sure you can protect your home.

New York State Workers Compensation

What to Look for in Your Workers Compensation Insurance Agent

New York state workers compensation insurance isn’t a one-size-fits-all policy. Workers in your business face different risks, depending on your industry. How can you choose an agent that understands what you need? Initiate a relationship with your agent to find more resources to help you manage your policy. Here are some tips to find the right person that will work with you.

Ask your agent about their industry experience. When they know your business, they can find better policies and premiums that fit your unique needs. Your agent is a good source of information to implement loss-control policies that will help you keep your rates steady over time. In order to help you find the methods that work for your business, they need to understand the industry.

Check with your agent about the accuracy of your claims. Ask if they review your employee classifications to get the best rates. If you work in other states, make sure that your New York state workers compensation insurance covers a multistate business.

Take the time to build a relationship with a good agent that provides New York state workers compensation insurance. You’ll get the right policy that fits your needs and meets your budget. Get the protection your business needs with an advocate who partners with you to promote safety on the job. Your agent is a good resource for your organization.

Finding the Best Workers' Comp Policy Benefits Employers and Employees

Finding the Best Workers’ Comp Policy Benefits Employers and Employees

Even the most cautious and dedicated employees can be injured in the workplace. Employers have an obligation to provide for their sidelined employees, but they also need to hold the line on company expenses. That’s why finding the right workers’ comp in 33013 for the employees of Hialeah, FL is so important.

How the Policy Works

If a worker is injured on the job and cannot work, workers’ compensation insurance, which is also called workman’s comp or workers’ liability insurance, will provide the employee with both medical benefits and wages until the employee can return to work. In Florida, this type of insurance is required by law.

Ways of Keeping Costs Down

Most employers are concerned about the rising costs of workers’ compensation, but there are many ways to keep these increases at bay. Fewer accidents will help lower the amount of claims filed. Fraud is a factor in rising insurance costs, so intensive investigations following a claim should help weed out illegitimate claims. Errors in documents can cause money to slip through the cracks. An intense review of all polices, documents and paperwork is necessary to find and correct costly mistakes.

Employees Can Help by Taking Safety Training

Starting or expanding a workplace safety program should help prevent workplace accidents. Fewer accidents will help lower the amount of claims filed. Employers should make sure they are providing employees with a safe working environment. The workplace should be checked regularly for slippery floors, poor lighting and loose railings. Choosing the right workers’ comp in 33013 will help protect employers from possible financial ruin, and it also will protect valued employees if they are ever involved in a workplace accident.

How to market insurance

Three Vital Ways to Market Insurance

Everyone needs insurance, right? Your job is to convince potential customers that you are offering the best service for their dollar. People can’t tell how yours is better unless you tell them, however, so it is important to understand how to market insurance effectively. Here are three ideas.

  1. Be Mobile
    No, not getting off the couch kind of mobile. This is the one that allows people to use their smart devices to access information. Customers may want to check on questions such as:

    • How much is my bill going to be?
    • What does my coverage entail?
    • How do I submit a claim?
  2. Promote Your Site
    If you have a website, which you should, tell your current clients about it. Put it on your company card, in your emails and on brochures. Happy patrons may pass it along, which can mean more business for you. Be sure your site is well-designed; a poor one can discourage buyers.
  3. Keep It Basic
    Just because you know what insurance terms mean, it doesn’t mean everyone else does. Use easy to understand words so people won’t feel nervous or confused about your services.

The “how to market insurance effectively” question is easy to answer: simply make your information readily available and straightforward so anyone can understand. This can help clients feel confident that you offer the service they want.

What Is a Business Owner's Policy (and Why Do You Want It?)

What Is a Business Owner’s Policy (and Why Do You Want It?)

A business owner’s policy (BOP) is a special kind of commercial insurance policy designed for small and medium-sized businesses. It typically combines commercial property insurance and commercial general liability insurance into one package, usually with some form of business interruption insurance as well. This provides all the major liability insurance a small business needs, and it usually does so at a premium that’s lower than the total cost of the individual policies. What exactly is covered under a BOP?

Commercial Property Insurance

This covers damage to your property from events such as fires, floods, storms, theft, vandalism, and so on. Property insurance covers your company’s owned and rented buildings, the contents of those buildings, and some business-related outdoor property, too.

Commercial General Liability Insurance

General liability insurance may cover legal fees and damages arising from injuries caused by you and your employees, such as bodily injury, property damage, or personal and advertising injury liability. Typically, this includes injuries that happen on your property and from work done by your company and with your company’s products.

Business Interruption Insurance

Business interruption insurance covers the loss of income resulting from a business shutdown caused by a disaster. Rebuilding after a disaster may also be covered.

If you run a small business, you need commercial insurance. A BOP gives you the coverage you need at a price that can save you money.

Liability Insurance for Miscellaneous Professionals

Insurance for Your Industry Risks

Different professionals operate under different risks. Having the right insurance that covers your needs is vital to your peace of mind. Errors and omissions (E&O) insurance is becoming more important to manage the potential issues that can arise in your everyday operations. Specific liability insurance for miscellaneous professionals for your specific industry provides confidence for you to do your best while knowing that if you do inadvertently make a mistake, you won’t lose what you’ve worked so hard to build.

It’s no longer just doctors and lawyers that need professional liability insurance. Today’s society is litigious. If you provide any type of consulting or services, you need the insurance that protects you against angry clients who believe that you’ve wronged them. From answering services to lobbyists to trustees, E&O insurance is there for you.

Work with the right company to find the insurance portfolio that fits your needs. Whether you’re a museum director that deals with different budgets or a court reporter that may miss a word when translating, you don’t want to be caught without the liability insurance for miscellaneous professionals that covers the cost of a lawsuit and any potential damages. Find a company that has a depth of knowledge when it comes to underwriting policies that meet your needs instead of the business next door. Tailor your insurance to your business instead of fitting your business into an insurance policy.