Protection for Your Business

As the owner of a used car lot, you carry a wide variety of risks. Not only do you hold responsibility for your inventory, which is the vehicles, but you also have responsibility for your employees and the property. When seeking out insurance coverage, you need a policy that will cover these potential risks. Used car dealer insurance can bundle all the coverage you need into one convenient policy.

Any business needs general liability coverage. This protects your business against accidents that occur on your property such as a slip and fall. It can also provide protection against claims of libel, slander and copyright infringements.

Since your business deals with vehicles, you will need coverage on those automobiles while they are in your possession. Potential buyers will want to take the car out for a test drive and if anything happens while on that drive, you need your merchandise to be protected from damages.

Used car dealer insurance can also include worker’s compensation and employment practices liability. As a business owner, it is necessary to have these coverages to protect the rights of both yourself as the employer and your employees.

When you purchase a policy for your used car dealership, you are investing in the future of your business. Insurance can protect your business from financial destruction in the event of unforeseen accidents.

Why Small Businesses Need Liability Insurance

For small business owners, a lawsuit can bring business to a standstill. If you are in the market for business insurance in Henry County, you should consider adding liability coverage to your policy. Here are three reasons every small business needs liability insurance.

Coverage Is Broad

Regardless of your industry, there is a business liability policy that can protect your business assets. For lawyers, doctors, dentists, and other professionals, a good professional liability policy will cover any errors and omissions that occur during the professional service. Similarly, if your company makes things, you should consider buying protection for product liability.

Lawsuits Are Expensive

Regardless of whether they have merit, lawsuits are expensive to prepare for and defend against. If you are the target of a lawsuit, you can expect to spend a tremendous amount on legal fees. A liability insurance policy will insulate your assets from legal costs if one of your customers or clients sues you. The only way to protect your assets is to purchase that sort of coverage.

Peace of Mind is Valuable

If you are a small business owner, you should focus on your business. You shouldn’t worry about the constant legal threat of lawsuits and liability. With a policy, you can achieve the peace of mind you need to run your business.

When purchasing business insurance in Henry County, be sure to add liability coverage to your policy. For many reasons, every small business should have this protection.

Why Great Website Design Should be a Priority

If you represent an insurance agency or work as an MGA, it is paramount to remain competitive in the changing insurance industry. These days, increased business is often dependent on the strength of your insurance website design. How effectively you communicate with customers via your website can have a big impact on your success. Here are a few ways that a great web design can help you stay competitive:

  • Accessible Design

Your website design, when catered to potential customer’s needs, helps create a positive experience for the site visitor. Positive experiences contribute to their overall impression of you, and you’re more likely to be on their radar if your information is accessible and intuitively located.

  • Mobile Availability

Mobile phones and tablets are increasingly popular, and with that comes certain expectations that websites will accommodate mobile needs. Let your insurance website design reflect that your services will be available to customers wherever they are.

  • New Content

Integrating a constant flow of content on your insurance site piques your customers’ interest and keeps you up on the search rankings. Making content a priority will insure continued traffic and business opportunities.

To sum up, your website is your chance to improve your insurance business’s likelihood of success. Look into hiring professional design specialists for your insurance site today.

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.

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.

Purchasing Home Insurance in Connecticut

Getting home insurance in Connecticut is no walk in the park. It requires serious preparation and demands that you weigh the fiscal burden against the possibility of some future catastrophe. Here are few pointers to help you on your journey toward optimal home insurance.


Rebuilding a Home

Saving money is, of course, very important when making this kind of decision, but financial providence is not just about what’s best now; it’s also about what will be best in the future. A survey by Marshall & Swift/Boeckh (MSB) reported that 64 percent of homes in the United States are undervalued when it comes to their insurance. Furthermore, of that 64 percent, the average homeowner is only able to rebuild 81 percent of his or her home through the insurance provider. This means that it is imperative to calculate exactly how much it would be to reconstruct your house in the event that there is a storm like Hurricane Irene.



When you purchase home insurance in Connecticut, it’s also important to give serious thought to the possibility of flooding. Many people think that this type of coverage is included in the average plan, but this is not the case. Make sure you inquire about flood insurance before finalizing any deal. This is a big decision that requires a lot of forethought, so don’t be afraid to ask for assistance from professionals. They can help extricate you from the web of questions and considerations that appear along the way.



A Word From Our Sponsor On How Liability Insurance Protects Your Finances

If you’re a practicing legal professional that doesn’t have a lawyers professional liability insurance policy, it’s time to get one! This is a very important policy for any lawyer to have. You don’t want to be caught unprepared for a lawsuit directed at you. If this happens, you will need all the help you can get. This is where the right insurance policy can help you out. It may protect you from the financial loss and diversion of resources that being implicated in a lawsuit can cause. Your current practice and your future career development depend on you staying out of a malpractice suit.

As a lawyer, you know better than anyone how difficult lawsuits can be. The economic impact of a malpractice suit against you can have serious negative effects on the financial security of your professional practice as well as on your personal budget. Money that would have been set aside for retirement saving, investments, or general living expenses may become tied up in defending yourself against malpractice accusations. Depending on what lawyers professional liability insurance policy you have, you may be assisted with handling the lawsuit.

The right insurance policy provides significant peace of mind; it also safeguards the advancement of your career and legal practice. Without a lawyers professional liability insurance policy, you are risking big losses. Don’t wait another day if you don’t have the right policy!

Announcements: Trendy Silver Bullion Investments

Over the years many people have been persuaded to buy silver bullion as a sound investment tool. Recent silver prices have remained quite stable while other precious metals, stocks and bonds have had a higher fluctuation rate. There are several reasons to buy silver bullion and they are available in a variety of weights, shapes and sizes.

It can be helpful to do some research in order to buy silver bullion that best suits an individuals particular needs. Online sites are a good resource for reviewing the different bullion selections available. The American Silver Eagle, The American 1 Ounce Round or the Canadian Silver Maple Leaf are all minted bullion coins. For those interested in a larger investment they also produce 100-ounce bullion bars that are guaranteed 99.9% pure silver. There are several websites that post competitative prices, give current daily quotes and product availability.


The history of why people buy silver bullion and other precious metals may offer some insight into this popular trend. Silver coins have been used as a form of trade for centuries. It also has immense value as a way to stockpile financial security for the future. It may be a good idea to buy silver bullion bars and silver coins as part of an investment portfolio. The bullion has a proven track record for retaining its value however the coins may be easier to sell if a collector ever needs to liquidate their silver investment. There are rare coins, minted collections as well as individual bullion bars for sale that are produced at various mints and by numerous manufacturers. As with any substantial purchase, consumers may find it helpful to do some homework before making any silver investments.

Sponsored Articles: Preserving Your Portfolio with Gold Eagle Coins

Owning gold eagle coins can strengthen your portfolio as few other investments can. While the value of currencies such as the dollar and the euro continues to fall as the global economic slump drags on, and stock markets around the world struggle to avoid collapse, the price of gold remains steady and reliable. If you don’t have gold as a part of your portfolio, there has never been a better time to begin diversifying.

Gold bullion has long been a popular commodity for investors looking to shore up their portfolios. Bullion is available several forms, including gold bricks. However, investment in gold eagle coins is becoming the preferred manner of buying gold.

Gold eagle coins are bought and traded as currency and as precious metals, making them an especially attractive investment. The official gold coin of the United States Mint is the American Gold Eagle. These coins are highly sought by investors because their weight and content are authorized and fully backed by the United States Congress. Buying American Gold Eagle coins is therefore an even more reliable, solid investment than buying government bonds.


American Gold Eagle coins were first authorized by the Gold Bullion Act of 1985, with the first coins released by the U.S. Mint the following year. The coins are minted in values of $5, $10, $25 and $50, and tend to grow in value very quickly upon their release. Therefore their legal values are often quite a bit lower than the intrinsic value, another sure sign that gold eagle coins are one of the best possible investments.