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.

Reasons to Get Invisalign Clear Braces

clear braces orange county

When it comes to orthodontics, one name has really been making waves in recently years. Invisalign clear braces in Orange County are available to people of all ages who want to correct misalignments and malocclusions in their smiles. The most popular reason why Invisalign has grown in prevalence is the fact that it is invisible. You can wear your aligners all day, and no one is going to be able to see them. Another great benefit is that Invisalign is removable. Keep in mind that you do need to wear them for at least 22 hours every day, but that two hour window means that you can take them out during meals, allowing you to eat what you want.

These aligners are also great for people who do not want to deal with brackets pressing up against the inside of their cheeks. Invisalign clear braces in Orange County are made out of a thin, plastic material that is not going to leave any abrasions within your mouth. Finally, this treatment also tends to work faster than other orthodontic methods. While the exact length of treatment will vary from one person to the next, Invisalign can generally correct teeth months before other braces would do it. With so much to gain, you should talk with your dentist about whether you qualify for Invisalign.

Keep Your Business Protected Against Cyber Security Threats

cyber security insurance in Carmel

Running a business comes with inherent financial risks and rewards. The risks can be the things that crush your company if you aren’t properly covered. A solid insurance policy is meant to protect you against those risks, ensuring that you and your business can stand tall against any unforeseen costs or damages. Now more than ever, the risks related to technology and all it entails are coming to the forefront. Cyber security insurance in Carmel is important when it comes to building a policy that keeps your business safe

Each business is different in how it uses technology. For instance, if you’re business collects credit card information for sales and transactions it may be at the risk of a cyber attack. If your business has a database in which clients’ personal information is stored, there’s the risk of a security breach on that end. Whatever the case may be, there are stipulations you need to be aware of, and elements specific to your business that you need to take into account when building a plan that suits your company.

Cyber security insurance in Carmel can typically either be part of a package or as standalone coverage. Coverage may include things such as errors and omissions, accidental loss or sharing of personal information, theft, security breaches, and much more. It’s important to talk to an insurance specialist who can help you formulate a plan that suits the specific needs of your business.

Think You’re Covered? Get Renter’s Insurance for Greater Protection

rentals insurance for apartments in urbana, illinois

It’s a common misconception by renters that their landlord’s insurance covers them in the event of a loss. But the truth is, it only covers damage to the actual building. Here’s a startling fact: only 58% of renters maintain their own policies. That means a lot of tenants do not have rentals insurance for apartments in Urbana, Illinois. And that’s a pretty disturbing statistic.

Think about what is takes to replace every single thing you own: clothing, electronics, kitchenware, furniture, appliances, books, and other personal effects. If you total up how much it cost to buy all of your possessions, you could easily be looking at thousands of dollars if you had to start all over again. Most people, especially those living paycheck to paycheck, don’t readily have access to that much money. So without rental insurance, you won’t have the means to replace what you’ve lost the event of a fire, flood or other disaster.

It’s so easy to give yourself peace of mind for just a few dollars a month. Starting a policy often costs very little, but saves you greater expense and headache later. With renters insurance for apartments in Urbana, Illinois, you’re covered –– so in the unfortunate event that you lose everything, you know you can always start over.

The Importance of Cyber Liability Coverage for Your Business

Carmel cyber liability insurance

Today’s business climate calls for a more comprehensive insurance policy that covers newer threats. Network security risks are at a point they’ve never been, where your company is always subject to hacking or network failures that can lead to big losses or damages. Carmel cyber liability insurance is a means with which to protect your business against potentially detrimental losses, thus protecting the future of your company as a whole.

Cyber liability coverage is typically customizable, offering protection against things like privacy breaches, restoration or replacement of electronically stored assets, cyber extortion, damages or infringement related to your business’s online media outlets, and much more. As is the case with any coverage for your business, not having the right insurance policy can be extremely detrimental to your ability to move forward following any hiccup that may occur along the way. Risk management is at the forefront of any successful business venture, and it requires proper preparation against said potential risks.

Carmel cyber liability insurance is all about loss prevention, and there are many ways to go about building your plan. Speak with a trusted insurance specialist to find out what’s right for you and your business, as each company differs in how they operate, especially in terms of technology and how it’s used.

Tips for Finding an Excellent Home Insurance Provider

homeowners insurance in glen rock nj

When you’re searching for homeowners insurance in Glen Rock, NJ, finding the right provider can make all the difference. However, with so many to choose from, how can you know which companies truly have your best interests at heart? There are a few things you can do and a couple of qualities you can look for to ensure you’re committing yourself to the right insurance company who’s willing to put your needs before their own.

Read Reviews

While this may seem like an obvious step, it’s one that many overlook the importance of. Reading online reviews of a company is a must when you’re in the market for something as important as home insurance. These testimonials can give you a glimpse into prices, coverage options and how customers are treated by the company in question.

Have Your Home Appraised

When looking for coverage options like personal liability, you’ll need to have someone out to assess your personal risks so your company can formulate a plan accordingly. This is also an important process for you as a customer because it gives you the opportunity to review how the provider works firsthand.

These are two simple tips that you can perform while searching for homeowners insurance in Glen Rock, NJ that will narrow down the field and get you on your way to getting the coverage you need in no time at all.

What Kinds of Housing Do Homeowners Insurance Cover?

Homeowner’s insurance in Los Angeles

Homeowner’s insurance in Los Angeles is a must, as it protects you from theft, fires, weather damage and several other threats that your home faces on a daily basis. Fortunately (and contrary to popular belief), home insurance is not limited to single family homes. This is fortunate, as many who call the City of Angels home live in the downtown area, which has several different types of housing options, all in need of insurance against the elements.

In fact, there are some providers in this area that offer homeowners insurance to practically any housing type in the city. This includes single-family homes, town-homes that have been growing in popularity in recent years, condos of all shapes and sizes, vacation homes for the temporary resident looking to keep their property safe when they’re away during the year, rental properties and even mobile homes. There are different risks associated with residing in each different housing type, and you need homeowners insurance in Los Angeles in order to ensure you’re covered from them all.

Finding home insurance is as simple as contacting a representative or a provider of your choosing and discussing coverage options and payments. If you own a home or other property in the L.A. area, you shouldn’t waste any time in locating the protection you need and deserve.

Protect Yourself Against Employee Crime With Fidelity Crime Insurance

Fidelity crime insurance

You are not responsible for the dishonest actions of your employees, but unless you have fidelity crime insurance coverage, you will unfortunately be responsible for the cost of their actions. Thankfully, insurance coverage is available to protect you from a wide range of dishonest employee activities so that you suffer minimal financial consequences.

What Does a Crime Insurance Policy Cover?

 Most crime insurance policies offer coverage for the following scenarios:

  • Forgery or altercation
  • Employee dishonesty
  • Theft of client property
  • Computer and funds transfer fraud
  • Money and securities

It is important to note that an employee is defined as a person whom you have the right to control, is compensated directly by you through wages, salary or commissions, and is in your service. A person who falls outside of these definitions is not an employee and their actions are not covered by fidelity crime insurance.

What Is Not Covered Under Crime Insurance?

Crime insurance does not cover dishonest actions committed by you or your partners. Additionally, it does not provide protection for your accounting errors or your liabilities to third parties as a result of crime-related losses. If you have any questions about your crime insurance policy and what it covers, be sure to sit down with your insurance agent and discuss your queries or concerns.

Preparing to Purchase Home Insurance

home insurance quotes connecticut

Purchasing insurance can be a daunting ordeal, full of loaded questions and difficult decisions. In this not-so-easy process, it can be super useful to do some thorough research, so you can stay safe without breaking the bank. Here are some things to chew on when getting home insurance quotes in Connecticut.

Rebuilding a Home

However tempting it may be to spend as little money as possible on insurance, you may want to consider thinking about the future costs of unforeseen circumstances. According to a 2008 survey conducted by Marshall & Swift/Boeckh (MSB), it appears that 64 percent of U.S. houses are undervalued with respect to their insurance, and of that 64 percent, the average person can only rebuild 81 percent of his or her home with the insurance provided. It is, therefore, important to calculate the amount of money it would cost to rebuild your home in the unfortunate event that a storm like Hurricane Irene comes to the New England coast.

Flooding

When shopping around for home insurance quotes in Connecticut, it’s worth thinking about the occasional flood and the related costs. Many assume that homeowners insurance includes coverage against damages incurred by flooding, but this is generally not the case. Be sure to ask the insurance provider who is giving you the quote whether or not flooding is covered. Above all, it’s important that you don’t take this decision lightly and that you judiciously weigh all the options available to you.

 

 

 

 

 

 

Auto Insurance for Staffing Firms

hired non owned auto

Like many companies out there, your staffing firm may unique insurance needs regarding automobiles. For example, you may utilize cars that are owned by employees for business purposes. In other cases you might own, lease, rent, hire, or borrow cars. Whatever your circumstances are you should make sure you have the right insurance coverage, such as hired non owned auto.

Why You Need Insurance

Using cars for business purposes is a common occurrence. What many people don’t think about is the inherent risks involved. Even if you only use cars sparingly it’s smart to have coverage on hand just in case an accident happens. Here are some common situations where you might need to use a car:

  • You send your employee to grab lunch.
  • You get a client picked up by a limo.
  • You get a rental car on a business trip.
  • Your employee goes to get office supplies.

Coverage Basics

Before you invest in coverage you might want to know what it entails. This policy protects your business when it is liable for damages related to an employee driving a rented or personal vehicle for the purpose of conducting business. Hired non owned auto insurance covers liability claims, defense costs, and actions taken by your staff.

You might also need auto insurance for vehicles that are owned by your business. Assess your needs and get the necessary plans to make sure you’re properly protected.