Insuring For Natural Disasters

Natural disasters hit unexpectedly, and though sometimes the damage is minimal, that’s not always the case. To help ensure that your business is ready for the various natural disasters that can impact your area, talk about these coverage options with your trusted Los Angeles insurance company.

Earthquake Insurance

Much of the east coast is located on a fault line, so it’s always a good idea to make sure your company has insurance should a damaging earthquake strike. Find an insurance plan that will offer great coverage based on the type of building you have, so that when a disaster strikes you are covered for the relevant problem areas. For example, if you own a private residence, you’ll want Los Angeles insurance that will provide emergency protection and insure your affected personal belongings in case of an earthquake.

Flood Insurance

Your property can flood whether or not it’s near the coast, based on everything from the weather to the proximity of a faulty sewer line. Flood damage reaches much beyond cosmetic repair; costly electric, gas line and air conditioning repairs may also be necessary when floods hit. Insure your property for peace of mind when a flood hits unexpectedly.

In summary, there are coverage options available to you in case of a natural disaster. To gain coverage, visit this website and start by researching Los Angeles insurance companies near you.

Top 3 Benefits of Law Firm Liability Insurance

As a lawyer, you handle massive amounts of personal information, and with that comes vulnerability to unique risks. Your legal practice also faces exposures typical of small businesses such as breach of critical records and files, property damage to your office, and much more. Your clients rely on your professionalism, security, and confidentiality in dealing with their cases, and law firm liability insurance offers you the protection you need.

Coverage Solutions

From the start of the risk management process, you need to focus on obtaining comprehensive claims services, coverage, risk control, and solutions to protect you from an extensive array of professional obligations. The top three benefits of law firm liability insurance include coverage for the following events:

  1. Network and information security offenses
  2. Expanded professional services
  3. Crisis event expenses

Coverage afforded in various plans is relatively broad, so it is important to identify your unique needs and select a policy that sets a strategy for the future while monitoring market trends.

Expertise and Assistance

Handling a professional liability claim is expensive. Law firm liability insurance helps alleviate the burden by sharing some of the financial risks and shouldering substantial defense responsibilities. It can also help you fulfill your obligations to protect your clients’ interests even in the worst-case scenario.

What Every Employer Needs to Know About Employment Practices Liability

When it comes to business insurance, the coverage options are practically endless. Many business owners are left wondering what coverage options are the right choice for their unique risks and needs. Employment practices liability insurance (EPLI) is one of the coverage options that is commonly misunderstood and underestimated by business owners. If you have been wondering whether EPLI is really necessary for your business, here are a few things you need to know about this important coverage option.

What Is EPLI?

Employment practices liability insurance provides financial protection in the event of claims made by potential employees, former employees or current employees in regard to wrongful acts committed during the employment process. When workers make claims that employers have violated their legal rights as employees, EPLI steps in and offers financial protection that is not typically provided by standard liability policies. Examples of claims covered by most employment practices liability policies include:

  • Wrongful termination
  • Hostile working environment
  • Sexual harassment
  • Mismanaged benefit plans
  • Discrimination (disability, sex, race, age, etc.)

Some policies may also cover claims of invasion of privacy, defamation, emotional distress, battery, anguish, loss of consortium and more. They do not generally provide coverage for violations of the following: Occupational Safety and Health Act (OSHA), Consolidated Omnibus Budget Reconciliation Act (COBRA), Fair Labor Standards Act, or the Employee Retirement Income Security Act (ERISA).

To find out more about EPLI coverages and exclusions, or to modify your current policy to include this important coverage, talk to your insurance agent.

3 Simple Ways to Protect Your Teeth

As any Aliso Viejo dentist would tell you, chowing down on a tough steak or a crunchy salad is a lot easier with strong, healthy teeth. Not to mention, a bright and beautiful smile can be a real confidence booster. Thank your teeth for all they do by following these tips to protect them from harm.

Cut Down on Sugar

Sugary food fuels the bacteria in your mouth, causing them to create acids which eat away at your tooth enamel. Limit your sugar intake to give your mouth a chance to repair the damage.

Stay Away From Nicotine

The nicotine in cigarettes and related drugs narrows your blood vessels and restricts blood flow to various parts of your body, including your gums. The lack of oxygen and nutrients increases your risk of gum disease and tooth decay. Smoking can also discolor your teeth and give you bad breath.

Always Brush

Brushing your teeth clears away the day’s buildup of food and bacteria, so don’t skimp on this important routine. Brush twice a day, and don’t forget to clean your tongue.

Looking after your teeth is a matter of a few simple habits. In addition to everyday care, make sure to schedule regular appointments with your Aliso Viejo dentist to make sure your oral health is on track.

Top 3 High Net Worth Insurance Mistakes to Avoid

Understanding high net worth insurance can be complicated but needn’t be that way. Many misconceptions make obtaining HNW insurance in Delaware a difficult situation to navigate. Luckily, by avoiding some common mistakes, high net worth individuals can save a substantial amount of money.

Knowing What You May Not Know

It is important to understand risk transfer and the role insurance plays in your comprehensive planning process. Too often, high net worth individuals overpay to be under-insured. Here are the top three mistakes to avoid when reviewing HNW insurance in Delaware:

  1. Incorrect valuables coverage. A common mistake is including your valuables in a blanket coverage because it can reduce their value, resulting in losing the value of your most prized possessions.
  2. Lack of options. The competitive market for high net worth insurance has created numerous advantages for you to save on your insurance.
  3. Understanding exclusions. Make sure an expert reviews your policies to define what is and is not covered.

Protecting your fortune against inherent risks requires obtaining highly complex insurance policies that operate in harmony with each other.

Mitigating Exposures

High net worth individuals often require a blend of commercial and personal HNW insurance in Delaware. You need to look at exposures such as risk management to ensure all uncertainties are identified.

Get the Most Out Of Your PEO Insurance

A professional employer organization, or PEO, is an organization that works with companies to provide a variety of human resource services for the company through a co-employment relationship. This allows companies to focus more on growing their businesses rather than completing the behind-the-scenes work. If you are considering a PEO, it is also critical that you review PEO insurance. In your search and application there are a few things to keep in mind so that you get the most out of your insurance.

Select the Right Plan

There are a number of available PEO insurance options, so you should take the time to evaluate them and determine the right one for you. There are a few things to look for:

  • reputation of provider
  • benefit offerings
  • scope of benefits
  • representative support

Examining these characteristics can help you to select a quality provider and plan.

Understand Your Policy

Once you select a policy, it is imperative that you read it all the way through and familiarize yourself with what you can expect from the policy and what is expected of you. This can help to manage your expectations and prepare you to implement the policy correctly.

Utilize Your Resources

Your agent should serve as a knowledgeable resource regarding anything dealing with your policy. Should you have any questions or need assistance, reach out to them.

By heeding these tips you can get the most out of your PEO insurance. If you have questions about the policies themselves, contact your local provider.

3 Tips on Filing a Wind Insurance Claim

When your property is damaged during a wind storm, you need to file a claim with your insurance company as soon as possible in order to expedite the repairs. Here are a few things that Florida wind insurance companies suggest you do before filing your claim.

1. Document the Damages

Make a list of all the damages and take as many photographs as possible. Consider taking a few photographs of your neighbor’s damage, fallen trees on your street and anything else that provides proof of the severity of the storm.

2. Get a Quote

Call a contractor to assess the damages and provide a report with a cost estimate. Make sure you choose a reputable contractor. If you don’t know where to start, call your insurance provider for a list of recommendations.

3. Estimate the Value of Your Losses

If personal belongings were damaged as a result of the storm, make a list of all the items and estimate the cost of replacement. Examples include patio furniture, yard maintenance equipment and solar panels.

Florida wind insurance companies understand the consequences of sever wind storms. Help them help you get back on your feet by doing some preliminary work and submitting evidence and repair quotes along with your claim.

What Clifton Insurance Can Offer Your Business

When it comes to owning a construction business, you face a wide number of risks each and every day, whether it’s with fallible equipment, lack of judgement on part of your employees or defective materials and products. This is why having insurance for your company is a must, regardless of what kind of job you’re looking to take on. Clifton construction insurance can provide your business with everything it needs to operate safely and legally under a wide spread of conditions, and offer you and your business a huge number of advantages and benefits, such as:

  • A deep knowledge of your industry and the various threats involved in it. Clifton has been in business for over a decade and has been active in over 27 states in this period. They’ve been building an understanding of construction companies over this time and can cover any operation without a hassle.
  • They cover business autos as well as the materials and equipment you use on the job.
  • They provide crucial surety bonds that are imperative to the operation of your business throughout a variety of challenges.

These are just a few of the key benefits which Clifton construction insurance can provide your business with over the years that can really make a different. Speak to a professional to really find out how these services can affect your business during upcoming projects.