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.
“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.
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!
The new U.S. farm bill is already a year behind schedule so what’s one more month? Negotiators said that the work for the legislation to cut food stamps for the poor and expand crop insurance for farmers won’t be completed prior to Congress adjourning for the year. This farm bill will cover topics from farm exports and food aid to crop subsidies.
The delay is nothing new for the farm bill. Since mid-2012 Congress has asked for massive cuts in the food stamp program. The House is asking for the largest amount of cut with a $40 billion cut over the course of the next ten years. The Senate is a little more liberal with a recommended cut of $4.5 billion.
According to Insurance Journal,
“We will be ready to vote in January,” Debbie Stabenow, who chairs the Senate Agriculture Committee, told reporters.”
Many components of the farm bill are up in the air, including food stamps.
The Proposal
The new farm bill would spend some $500 billion over five years, three-quarters of it on food stamps.
Specifically, the Insurance Journal reports,
“Both chambers would trim spending on traditional farm subsidies, conservation programs and food stamps, while expanding outlays for crop insurance by up to 10 percent. One crop insurance proposal would assure grain and soybean growers of up to 90 percent of average revenue from a crop.”
This December 14th Second Saturday features a wide variety of old-fashioned holiday crafts for kids and adults, caroling, hayrides, hot cider and popcorn.
Come hear carolers between 12pm – 2pm. Kids will be able to drive the tractor, pump water, and play with hoops at the Agricultural History Project. Our Gift Shop and Museum and all exhibit buildings will be open as well! Tractor driving and hayrides are available weather permitting.
Activities for kids will be ongoing 11am – 3pm. String cranberries, popcorn, create paper chains, puppets, bird ornaments and all kinds of other fun decorations.
Who: Family
How much: FREE!
When: ,
Where: Agricultural History Project, 2601 E Lake Ave, Watsonville, CA 95076
This December 14th Second Saturday features a wide variety of old-fashioned holiday crafts for kids and adults, caroling, hayrides, hot cider and popcorn.