Hit the Trails With ATV Insurance

atv insurance

Your ATV or UTV needs insurance coverage that is separate from personal auto and independent of homeowners. There are vehicles capable of going nearly anywhere and are useful for both recreation, work, and land maintenance. Because of this they also encounter hazards that are unique to counterparts used exclusively on the road.

Coverage for the Vehicle

Riding ATVs is enjoyable and offers a healthy dose of fun traversing different terrain. Even though you may be riding far away from others, accidents can happen that will cost you without insurance. Most policies offer ATV coverage with comprehensive and collision.

  • Collision provides protection if you hit an object such as a tree or rock and incur damage.
  • Comprehensive is coverage for scenarios such as hitting an animal or if your ATV is stolen.

Coverage for Others

Even with the right protective gear riding an ATV has its dangers. Having a rollover or being thrown from the vehicle can occur. Specialized insurance policies will also include the following:

  • Bodily injury liability can protect you if you’re at fault and cause injury to a passenger or other rider.
  • Property damage liability offers coverage for damage to property belonging to others due to an accident.

ATVs provide a great way to get off-road and experience the outdoors. Be prepared for the unexpected by being protected with the proper insurance coverage.

What Insurance Investment Does Your Business Need?

commercial general public liability insurance

Any business needs protection from loss associated with claims issued against the operations. This protection is in the form of financial assistance, commonly called insurance. A company has many risks based on the operations, the location, the products, and the consumers, and general liability policy is the most basic form of insurance protection for any size business.

The Coverage Needs

When a business purchases a commercial general public liability insurance plan, it provides coverage for things like medical payments to injuries that happen to clients or consumers on your property or advertising claims of slander, libel, or copyright infringement. The general liability policy also provides funds for defense costs and settlement demands that may come from a lawsuit against the company.

Other Areas of Coverage

General liability claims aren’t the only things a company should be aware of. Businesses must worry about things like fraud, theft, employee injury, cybersecurity concerns, errors and omissions claims, and equipment malfunctions. Because there are so many other areas of concern, businesses sometimes look at a business owner policy (BOP) and then add endorsements or riders for the additional areas of exposure.

Adding additional policies or creating a more comprehensive package might seem expensive, but investing in a financial backup plan is better than having to spend thousands trying to get out of a legal mess.

Optimizing Your Google Search Results

google-search

Today’s consumer turns to Google and other search engines for help with choosing the right product or service. From healthcare to auto parts or insurance, having your business move to the top of the list of search results is the key to ensuring brand awareness. Since there are millions of results for any single query, having your company show up means investing in SEO best practices.

The Big Three

There are three prime reasons for choosing local SEO to drive your business forward.

  1. Free Traffic. The world of advertising is constantly changing, so it is wise to spend your funds and resources in an effort that will bring solid returns. When you improve your internet rankings, you are given access to a free stream of constantly changing traffic.
  2. Google Excellence. Insurance agents can’t rely on strategies of the past, such as taking out an ad in the local Yellow Pages. Almost 97% of all consumers look for a local business online, and Google is the current market leader for these searches.
  3. Rapid Results. It can take anywhere from six months to a year before national and international companies see any improvement in their rankings. When you are using local SEO, you are competing against other local companies, rather than countrywide agencies.

As the team at Neilson Marketing knowns, local SEO for insurance agencies is what makes all the difference.

Does Your Insurer Help You Understand Your Clients?

Risk management is about a lot more than just the dollar value on your coverage. It’s also about understanding how your own behavior can impact the risks your business faces, from cash reserve decisions to your professional conversations with clients. When you work with an insurer who understands what you do, that can mean getting help in all those areas. Insurance professionals have a vested interest in helping clients keep their risks managed, after all. That means when you use knowledgeable, industry-specific insurers, you can count on them having everything from accounting tips that help you get the right background information and goal-setting discussions rolling with new clients to risk assessment and tax positioning questions that will help you quickly update information for your established regulars.

Liability Coverage for Accounting Professionals

More likely than not, it’s your professional liability insurer who will know your business best. That’s not a coincidence since the coverage needs to be tailored to the specific risks you take as an accounting professional. Finding the right insurance relationship means getting help with those professional habit-builders that can keep you ahead of the curve when it comes to anticipating client needs and avoiding the kinds of exposures to liability your policy protects you from. That, in turn, can help you present a lower risk profile, saving on future insurance needs. It’s a win-win when you have an insurer who wants to help you be the best professional you can be.

How to Get Along With Your Apartment Neighbors

breaking an apartment lease

Nothing is worse than having a neighbor you don’t like, especially when you share so many common areas in an apartment community. In many cases, there are ways to convince your neighbors to work with you and breaking an apartment lease should be your last resort. Here are some tips for coming to terms with your neighbors.

  1. The Noisy Neighbor

Unfortunately, you’re going to have to confront your neighbor to solve this issue. Being passive-aggressive may make the situation worse. People respond well to kindness, so before you speak to your neighbor take a deep breath. Look for some commonality you share with that person so you can strike up a conversation. Make your noise complaint secondary to the importance of getting to know them better. If they like you, they’ll be willing to work with you.

  1. The Trashy Neighbor

Everyone appreciates a clean environment, even the trashy neighbor. Lead by example. Show your neighbor how important a clean community is to you by voluntarily picking up trash outside. Ask other neighbors to join you regularly. This establishes pride in your apartment community.

  1. Be Understanding

It’s also up to you to be tolerant of neighbors who have different values. Be understanding of neighbors with pets and children or outside decor that doesn’t fit your tastes. Remember, variety is the spice of life.

Cleaning and Caring for Library Books

Regan Insurance Agency

Continuous Cleaning

Dust and materials that collect on books absorb moisture and make them more susceptible to corrosion. Source: Regan Insurance Agency. Every time a library book is returned, it is less clean than when it was checked out. It’s helpful to wipe down books as they are returned so it’s easy to quickly identify damage after each time it is borrowed and make sure it’s ready for the next borrower. Adopting a schedule and procedure for regularly cleaning library books is the most effective way to preserve the books’ condition over time.

Protection from Pests

Many types of small insects like silverfish will thrive in library books. They ingest the paper and burrow deep within the pores of the tops of every page. A small infestation can quickly spread throughout many books. In addition to chemical treatments, heat may be an option for treating infected books. Regular cleaning and dusting will help prevent infestations from growing by removing the material in which they are most likely to grow.

Preparation for Significant Damage

Properly caring for books requires being prepared for the unexpected. Libraries’ collections contain many unique and difficult to replace items. It’s imperative for libraries to maintain comprehensive insurance policies that provide coverage for their books in the event of a significant loss.

Maximizing Your Dry Cleaning Business’ Revenue

Dry cleaning business

The dry cleaning business carries a lot of operational expenses, and the stream of income may vary significantly from month to month. Keep your business’ revenue steady by adding new services and connecting with customers in new ways.

Expand the Scope of Your Services

To increase your dry cleaning business profit, you might try offering new services to your customers. To draw in additional revenue, consider the potential benefit of adding a pick-up and delivery wash and fold service. When priced competitively, a lot of individuals find this preferable to going to the laundromat.

Put Your Business Online and Provide an App

As observed by Irving Weber Insurance, your business’ online presence can have a big impact on its success. People really seem to love being able to organize appointments and shop for items by going online or using an app. For example, large pizza chains have recently experienced a slight increase in popularity over locally based competitors, despite offering inferior products. The reason is that these large chains have created convenient and easy to use apps. Effectively, people will be more likely to use your services over competitors’ if you make it easy for people to connect with you on an app. Possible app features could be scheduling a pickup or delivery or getting an update on an order or a notification when it’s done.

What Is the Difference Between Umbrella and Excess Insurance?

Umbrella insurance

Businesses need a variety of liability insurance policies to cover their exposures. There are sometimes when you exceed the policy limit when a claim is settled. Understanding the differences between umbrella vs. excess liability policies can help you determine which is best for your business.

Key Difference

The experts at Byrnes Agency Insurance state that umbrella policies often offer additional coverages while excess liability provides higher limits yet follows the limits of the liability policy. Excess liability may have more limitations than the underlying liability policy. Umbrella insurance, on the other hand, can help fill in policy gaps.

Assess Risks

To choose the right policies to add to your insurance coverage, you need to assess your business risks. Where does the business have the most claims? Analyzing the risks can help you see where there are gaps in coverage.

Policy Choice

For a company with companies throughout the world, an umbrella policy may offer broader coverage for those increased liabilities. Some companies may need additional liability coverage only in specific areas for specific items. These companies can benefit from an excess policy with additional limitations. Choose the one that best addresses the business’ risks.

These differences between umbrella vs. excess insurance can make a difference for your business claims. The business may need one or both policies for full coverage.

What Are Trucking Bonds?

Trucking Bonds

In the trucking industry, measures need to be taken to ensure that those working in the industry are certified and willing to put in a high-quality effort. Essentially, trucking bonds are measures that are required in order for those working in the industry to obtain work or permits to operate. To learn more about what are trucking bonds, check out https://www.truckinsure.com/ for a briefing on the basics of trucking coverage.

At its core, a bond certifies that those who have been bonded will perform their obligations to the best of their abilities. Before becoming a bonded trucking professional, the driver must first undergo a serious and thorough background check. Then, he or she can become bonded. Why would bonding a trucking professional be useful? The trucking industry is used to deliver so many valuable goods across the country that customers expect packages to arrive on time and in pristine condition.

In this type of high-stakes delivery job, it is imperative that there is some form of insurance that goods can be delivered as expected. Trucking bonds put into action a commitment to have the trucking professionals perform deliveries to a standard of excellence that lives up to the expectations of customers. In a world that is connected by the trucking industry, bonds help make sure that things operate at an efficient and quality level.

Main Types of Insurance for Boat Builders

Merrimac Marine Insurance

Boat builders insurance is a special type of cover for boats and yacht artisans. It directly or indirectly covers all the people involved in the process of manufacturing these commercial vessels, restoring the boats and refitting them. Boat builders risk coverage provides compensation for any losses that happen as a result of physical damage or third party liability. Here is a breakdown of the main coverage in boat builders insurance.

Physical Damage Insurance

This insurance provides compensation for losses that result from the physical damage of the ship or yacht. When the insured claims the damage, the insurance firm assesses the degree of damage on the boat and then covers the repair or replacement expenses. The disbursement amount depends on the market value of the vessels and the premiums that the insured pays.

Third-Party Liability

Merrimac Marine Insurance notes that third party liability insurance applies to the legal liabilities that affect third parties. For instance, boat builders risk coverage can provide compensation for losses arising from the damage or physical loss of a third party’s property. The indemnity limit greatly varies among insurance firms; hence, you should carry out your due diligence before selecting an insurance firm to work with.

Boat builders risk coverage is an ideal policy for people who manufacture boats or yachts. The cover compensates for losses arising from physical damage to the vessel or third party liability.