You need to protect and insure your business. Accidents happen. Fires, floods, slips, falls, sicknesses and even fatalities. They all happen. Everyday. That’s why no matter what size business you’re running, from a two-man operation or a corporation worth millions of dollars, you SHOULD ALWAYS have commercial property insurance.
Not everyone who is looking for business insurance actually understands what it is, though. Or why they need it. Here’s our brief but informative round-up of information to get you started.
3 Frequently Asked Questions about Commercial Property Insurance
My Business is Brand New…Do I Need Insurance on my Commercial Property Already?
Absolutely. Think of it this way: If you could suffer a loss then you need insurance. It doesn’t matter if you’re on day 1 of business or day 1000…you need the insurance.
If I Work From Home Do I Still Need Commercial Property Insurance?
Yes. In most cases you’ll only be insured and reimbursed for up to $2,500 of damage or loss to business assets that occurr within a homeowner’s insurance policy. It is best to purchase additional insurance and protection under your home coverage or add on a commercial property insurance policy to cover anything over the $2,500 amount.
What Steps Can I Take to Lower My Commercial Property Insurance Premiums?
Every policy and insurance premium is based upon the amount of risk involved. Show high risk and you’ll pay more. Mitigate that risk and you’ll pay less. Here are some simple steps you can take to mitigate the risk and lower the premium on your commercial insurance policy:
- Have a well-lighted work place (in and out).
- Keep electrical systems maintained.
- Install adequate sprinkler and fire safety systems.
- Teach and preach on the job safety to every employee and keep records of safety training.
- Keep the minimal amount of cash needed on hand. Make daily or twice daily bank deposits.
Those are our most FAQ and the answers we give. If you have any more questions or require any further detail, please contact and ask.
Source: http://legalzoom.com
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Your homeowner’s insurance policy probably won’t cover any damage from your pipes if investigations prove negligence or poor maintenance. We have a few tips for you to use to winterize your pipes this fall.
- For all outdoor watering hoses and sprinklers, disconnect them and drain out the water. Store them in a dry place.
- Make sure your shutoff valve is working properly.
- Check for broken windows or cracks where your pipes are located. If cracks and/or broken windows are found, seal them up to prevent your pipes from freezing up.
- Make sure heat can evenly circulate throughout the house, especially around the pipes and water meters.
- If you have interior pipes, wrap them up with insulation.
- Don’t close your cabinet door. Leave the cabinet doors open that are home to pipes so the heat can get to them.
- You may want to consider allowing your water run a little slower this winter. It may cost a little more on your water bill, but when you compare the cost of repair your pipes, you’ll find that it’s worth it.
This winter, make sure that your pipes are well maintained and taken care of. For more information about your homeowners insurance policy, feel free to contact Scurich Insurance Services.
Content provided by Transformer Marketing.
Source: http://www.mainewater.com/Customers/~/media/Files/Bill%20Inserts%20and%20Fact%20Sheets/Winterizing%20Tips.pdf
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It’s the beginning of fall and apple picking season is in full effect. And the place to be is Clearview Orchards.
Organic Fuji and Gala apples are specialties of Clearview Orchards, although they also offer a number of other apple varieties.
Bring your family and your picnic basket. Once you are done enjoying a picnic on our lawn, feel free to pick your own apples. Other delicious items you can pick up at Clearview:
- Honey.
- Pumpkins (we have red, white, or pink)
- Dried lavender
- Apple cider
- Apple pops
Want a getaway? We can do that too. We offer a luxury yurt that boasts such amenities such as a queen bed, a full kitchen, sofa, and full bath with shower. The yurt is centrally located amongst lavender fields, flower gardens, avocado, and Fuji trees. An array of wildlife including deer, coyotes, raccoons, and hawks can be viewed from the yurt. This would be a perfect getaway for you and your partner looking for a romantic country getaway.
What: Clearview Orchards for picnicking and apple picking
Where: 646 Trabing Road in Watsonville
When: Saturday and Sundays from 10:00 am-5:00 pm through Sunday, October 26th.
Cost: $2 a pound for apples
Who: Everyone!
Content provided by Transformer Marketing.
Sources: https://www.airbnb.com/rooms/3111208?s=QpQT and http://www.clearvieworchards.com/index.html
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How important is cyber-security business insurance?
With every passing moment technology is advancing. That’s great for your business because it allows you to be more dynamic and more productive in your day-to-day online operations. Technology also helps you keep track, store and access vital company information. Your company’s stats and assets, as well as your employee’s and client’s personal identification information, is most likely stored on a computer somewhere.
That’s the good news. The bad news is this; with every technological advancement that the business world makes, hackers are also hard at work, and often successful, in breaking into computer networks and accessing personal and confidential information.
It pays to be prepared and stay ahead of the hackers. One thing that you can do to secure your business is to ensure that you have the most up-to-date security software and protocols on your computers and internal business network. However, this is still no guarantee that you will not get hacked.
The most common ways to get compromised, according to Verizon, are as follows: network “break-ins” or weak/stolen credentials, hacking (52%!), malware, and misuse of privileges by those who already have access to information.
Cyber-Security Liability Insurance is a crucial part of your protection plan and is a vital part to protecting yourself, your business, your clients, and your employees. Remember, it is ultimately the business’ duty to protect all of this data and to keep it secure.
There are many cyber-security insurance options and plans available today. With some plans, you can add it on to a current commercial property insurance term while other plans are available as a stand-alone.
Regardless of the size of your company, you need some form of cyber-security insurance. Whether you collect personal contact and identification information or credit and debit card payments, the threat of cyber-attack is real.
Don’t be left out in the dark. Ask about some of the better cyber-security insurance programs so that you can ha
ve peace of mind that your business, customers and employees will be protected.
Source: http://www.verizonenterprise.com/solutions/security/
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It happens all the time. You go to the grocery store to load up on vegetables only to find when you cut into them, that they are rotten. Do you wanna know how to avoid that from happening again? Follow these simple tips when buying vegetables.
Asparagus is best purchased in the spring. The tips should be closed and compact. The stems should go be green.
Beets are one of the vegetables that you can get all year around. Good beets would be rich in red color and be firm and round.
Brussel Sprouts are best between October and December, but you can still find good ones 10 months out of the year. Good ones won’t have any bruising or blemishing, be firm, and rich in green color.
Carrots are available all year long. A firm carrot will be smooth and well formed. The tops should be green in color.
Celery is available all year long. A glossy surface and green leaflets are tell-tale signs of healthy celery.
Corn is available all year long with the best time for corn is May-September. Green husks and plump kernels are the best way to tell if your corn is going to be good.
There are no bad times to buy lettuce, mushrooms, or onions. But in order to get the cream of the crop you have to look out for healthy and vibrant leaves on lettuce, Caps should be white or brown consistently throughout the mushroom, and onions should be firm with dry necks.
Next time you are at the grocery store, you’ll know what to look for when purchasing your favorite vegetables.
Content provided by Transformer Marketing.
Source: http://www.mindbodygreen.com/0-15388/how-to-pick-out-perfect-vegetables-infographic.html?utm_campaign=recommendation&utm_medium=popular&utm_source=feature
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Are you looking for something to do and a way to break out of your comfort zone? Look no further than Specialized Aviation.
Specialized Aviation offers a multitude of tours that you can choose from including wine tasting tours, coastal tours, and air charters. Take a look:
Coastal Tours
Leaving from Watsonville Airport this charter offers four tours to choose from. Head up the Santa Cruz coast line. Want to venture further out? You can also choose from the Big Sur Coast, Carmel Coast, or an airplane charter. Pricing ranges from $99/per person to $299/per person and runs from 20-60 minutes. You will enjoy breathtaking views that you normally would not be able to see anywhere else.
Wine Tasting Tours
This tour is like no other. Head up in the helicopter and enjoy. The wineries that we tour include Wrath Winery, Talbott Winery, Heller estate tour, or the Scheid Vineyard. Pricing ranges from $350/per person-$475/per person.
Air charters can range from $700-$995/per hour and can host up to 4 passengers.
The next time you are looking for something fun to do and you are ready to do something unexpected, contact Specialized Aviation.
Specialized Aviation also offers training on helicopters and airplanes. Go on and live life!
Content provided by Transformer Marketing.
Source: http://www.specializedheli.com/
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