Commercial insurance is a must-have for every business. Some businesses have specialty needs for additional commercial insurance that are not covered under the standard policy.
Maybe you have had some changes in your business. You have recently purchased delivery vehicles, you have expanded your business and purchased more property. There are any number of possible changes that have occurred to your business that would require an analysis of your commercial insurance policies.
Your cash flow has changed
You have two forms of payment for your insurance, a regular monthly payment and a deductible that you will need to cover for damages and/or injuries before your provider will start to cover anymore. The monthly payment you can factor into your standard business finances. You will need to be diligent in planning for the unknown.
The more cash you have readily available, you should think about increasing your deductible. Higher deductibles will decrease your monthly premiums, and you will be able to save money. Make sure the deductible will be affordable, just in case.
Lower your deductible so that you can pay as needed if you are short on cash. Contact our office so that we can shop around for the best deal possible and discuss bundling options.
Congratulations! Your business is thriving!
Your business has increased since the last time you sat down with your agent. You’ve hired more people, added a delivery service and more! That means that your insurance will need to change also.
Start with your workers compensation and disability insurance policies. Make sure that your employees are covered, and your policies are up to date.
You’ve added a fleet! You will need to get your vehicles insured under a commercial auto policy.
You are remodeling or moving
Commercial property insurance comprises an important part of your overall insurance needs. If you are expanding or moving, you will need to contact our office to do a review of your new /improved digs and the policies. Please remember that any changes you make, will affect your coverage and costs.
Content provided by Transformer Marketing.
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Your kids are off for winter break, however you’re not. What are you going to do with the kiddos?
What about taking them to the Winter Break Day Camp at Ramsay Park?
The Ramsay Park Family Center is operating the day camp at Ramsay Park. Children from 5-12 years old are welcome to attend, and we will have a ton of fun filled activities! We are open from 7:45 a.m.-6:00 p.m. January 6th-10th.
You only need 3 days from 12:00-4:00? We can do that too! We also offer a variety of enrollment options to suit your specific needs for child’s daycare.
Call PCS at 768-3240 today to find out more information.
Content provided by Transformer Marketing.
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Happy Holidays!
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“The best of all gifts around any Christmas tree: the presence of a happy family all wrapped up in each other.” – Burton Hillis, columnist and author”
It all starts with Black Friday, Cyber Monday and spills over daily through Christmas Day. Shoppers toughing out the crowds, beating down the doors to get the best prices they could get their hands on. You spend your time and money (and sanity) to get everything on your loved ones’ list.
But what happens after Christmas?
The credit card statements start trickling in one by one. All those wonderful things you had purchased for your family need to be paid in full. You silently wonder, ‘Did I go overboard?’ and that little voice in your head says, ‘Nah, did you see their faces?’ And you go on about your day content that you had done the right thing.
The excitements of those gadgets wear off before you have paid off your credit card. This holiday season we have listed a few tips so that you don’t break your bank.
- Cut up those credit cards. You will be paying much more than the $18.99 you paid for that doll in the long run. Use your debit card or plain hard cash. You’ll save yourself the interest rate payment.
- Budget…and stick to it! You don’t have to go overboard. Your wallet will feel better in the long run if you say to yourself, “I’m sticking to this budget. Everyone will enjoy what they get.”
- BOGO Combo Deals! I just purchased a pair of much needed winter boots and then I saw the sign, “Buy 1 pair of shoes and get the 2nd pair for $1!” Needless to say, I took them on their offer. Finding deals like that means you can buy two gifts for one.
- Compare prices! There are several shopping apps that you can easily download and do comparison shopping before making any purchases.
- Nothing says LOVE like a homemade gift. Get your creativity on and have some fun. Knit those sweaters, bake that incredible dish, host a huge party, or design a beautiful portrait. Your hard earned time means more to your loved ones than anything your hard earned money can buy.
This Christmas make sure that Santa’s bank is as satisfied as your loved ones are.
Content provided by Transformer Marketing.
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Jennifer’s Gift Shop in San Jose boasted one of the two lucky winners of Tuesday’s Mega Millions Jackpot which rose to $636 million. Thuy Nguyen, owner of Jennifer’s Gift Shop had a bright smile this week as his Christmas season started early. In California, as the owner of the store which sold the winning lottery ticket will receive $1 million.
The mystery winner is still unknown at this time. California allows a full year for the winner to come forward.
Gateway Newsstand, in Georgia, is the store selling the other winning ticket.
Congratulations to the store owners and this year’s newest millionaires!
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Laughing appears to bring health benefits, but not always — for some, a fit of giggles can have serious consequences, according to a new study that reviewed the effects of laughter.
The researchers reviewed studies on laughter published between 1946 and 2013. They found much evidence that laughing really is good for you. For example, laughing has been shown to improve blood-vessel function and reduce stiffness of the arteries, which is a risk factor for heart problems such as heart attacks. One study found that people who laugh easily have a reduced risk of coronary heart disease.
Laughing may also be good for your waistline. A 2006 study suggested that 10 to 15 minutes of genuine laughter a day may burn up to 40 calories.
Another study, published in 2011, found that laughing increases a person’s tolerance to pain, which the authors suggest is due to the release of endorphins.
But in rare cases, laughing can be risky, the review found.
One woman with a condition that causes a hole in the heart experienced a stroke after laughing uproariously for three minutes, the researcher said.
And some people have accidentally breathed in foreign objects while trying to catch their breath during laughter. Laughing can even dislocate the jaw, studies show. And just like a cough or a sneeze, laughter has the potential to spread infectious diseases, the researchers said.
“Laughter is no joke,” the researchers wrote today (Dec. 12) in a special Christmas issue of the British Medical Journal (BMJ) — a lighthearted edition of the journal that includes real research.
While laughter carries a low risk of harm, “our review refutes the proposition that laughter can only be beneficial,” said the researchers, from City Hospital Birmingham in the United Kingdom.
Still, it remains to be seen whether “sick jokes make you ill, dry wit causes dehydration or jokes in bad taste [cause] dysgeusia (distortion of sense of taste),” the researchers joked.
Content provided by http://www.huffingtonpost.com/2013/12/13/laughter-health-risks_n_4440214.html
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