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Are You Covered Against Wire Fraud?

Lessors Risk Insurance

LRO insurance

Lessors Risk Insurance

The last thing you want is for your rental property to become a financial burden; but if someone steals from your lessee, you could be financially responsible. To avoid this type of disastrous situation, it is a good idea for all landlords to obtain lessors risk or LRO insurance. This type of policy protects you from liability in case something happens to your tenant’s property.

Eligibility

Specific regulations may vary from state to state, but the following are some general requirements of LRO policyholders:

  • Own a property that you lease to others
  • Rent out at least 75% of the area within the building
  • Keep up with regular maintenance
  • Modernize any outdated electrical or plumbing systems
  • Fix roof or siding damage

Types of Rental Properties

Many kinds of rental properties can be covered by LRO. Here are a few of them:

  • Laundromats and dry cleaners
  • Restaurants
  • Office spaces
  • Shopping centers
  • Warehouses
  • Convenience stores

Coverage

Types of loss usually covered include:

  • Theft
  • Damage by natural causes
  • Vandalism
  • Loss of tenant’s customers’ property
  • Bodily harm

According to www.iwains.com, niche markets can experience unique situations not encountered by more traditional businesses, and some of these situations no doubt arise between landlord and tenant. You can protect your investment from your tenants’ potential misfortunes with LRO insurance.

Coverage for Fossil Fuel Vendors of All Kinds

Fossil Fuel Vendors

It stands to reason that gas station insurance coverage goes beyond that offered to stand-alone convenience stores without fueling stations. After all, dealing with petrochemicals all day creates risks that have to be managed apart from the business insurance concerns that regularly go with retail. You won’t find many investors who miss that. So, are you taking the same approach toward insurance for your propane dispensing business? Whether you distribute gas throughout the area or you’re just selling tank refills to help campers and barbecue enthusiasts passing through your store, propane dealers insurance is vital to your overall insurance plan.

Risks Associated With Fuel Dispensation

Since the risks associated with dispensing propane, fuel oil, and other fossil fuels traditionally associated with heating and home cooking are fairly common across the board, it makes sense to look at experts like www.tangramins.com who make it their business to cover companies with those needs. They not only know enough about the industry to give you robust coverage that suits all fuel dispensing businesses, but they also have the depth of experience in the field to adapt your coverage to suit the particulars of your operation, no matter how major or minor a part of your business your propane sales happen to be. Do your research today, and get the coverage you need to round out your business insurance portfolio.

Preventing and Preparing for Rental Trailer Damage

American Team Managers

When transporting goods, it is not uncommon for businesses to work with transportation companies and rental trailers. In these cases, a trailer interchange agreement is signed, declaring the designated driver responsible for damages to the trailer during transportation. If further protection is required on the part of the trailer’s owner, trailer interchange insurance is ordered.

What Is Trailer Interchange Insurance?

Trailer interchange insurance provides damage protection for rented trailers. This protects both the trailer’s owner and renter, as it compels neither to pay for damages.

What Does Trailer Interchange Insurance Cover?

While the insurance amount and specifics vary between companies, interchange insurance protection covers a wide variety of damage types. As explained by American Team Managers, examples include vandalism, collision damage, and fire damage. In most cases, the insurance amount covers trailer repairs and replacements at the very least.

When Is Trailer Interchange Insurance Necessary?

It’s always a good idea for a company to utilize trailer interchange insurance on top of a trailer interchange agreement. This ensures that it won’t have to pay for trailer damages in most scenarios. It also benefits the driver, who might find him or herself responsible for the cost of damages without the aid of insurance.

The road is long and unpredictable. With rental trailers, trailer interchange insurance can be an important and necessary precaution.

Going Beyond Basic Coverage

Professional Liability Coverage

Operating a business is much more than just marketing to the right customers. It takes smart planning moves like having the right level of insurance for your industry. One important insurance policy you may require is called errors and omissions coverage. With this kind of policy, you can better prepare yourself in case of an expensive legal case.

What Makes This Coverage So Special?

E&O coverage extends beyond the realm of basic liability coverage like a general liability. The experts at https://hilbgroupfl.com/ state that general liability does not necessarily cover the kinds of risks and consequences that are involved with alleged negligence and errors. See, errors and omissions coverage comes into play when a client believes an error or negligence occurred with the services you offered. This protection is usually not offered under the terms of general liability.

What Kind of Professional Requires This Insurance?

Many different types of professionals can find this insurance beneficial. For example, healthcare professionals may find this policy beneficial in case a patient places legal action against your office for scheduling an appointment at the wrong time. Accountants, lawyers, and tax professionals would also be wise in investing in this insurance. Financial investors, planners, and even other insurance brokers frequently purchase this insurance in order to be financially ready for a potential lawsuit.

What is a Stock Throughput Policy?

D&G Sayles Insurance

If you have a business that manufactures, distributes, imports or exports products then you should understand what a stock throughput policy entails. A stock throughput or STP policy is an all-inclusive type of coverage that offers protection during the entire supply-chain cycle and even takes gaps of coverage into account.

From raw materials to finished products, a stock throughput policy is designed to cover your inventory throughout production, storage, transit, and delivery. During the production and overall flow of goods, there are countless ways a product can be damaged or lost. That is why securing stock throughput coverage through an experienced company like D&G Sayles Insurance, is an ideal way to protect your investment. With this type of marine insurance, you can rest assured knowing that your goods are covered from start to finish.

STP’s commonly come with low deductibles and high limits making them a cost-friendly choice for companies looking to lower overhead costs and improve administration and operating costs. Partner with a reputable company and ensure you are getting the most competitive price in the market.

Rather than dealing with the hassle of carrying multiple types of coverage for each phase of your product’s life cycle, consider the advantages of one comprehensive stock throughput policy. Get the coverage you need from the raw material stage to the final delivery of your product.

5 Reasons to Keep Your Miscellaneous Professional Liability Plan

Huntersure

If your business has been trying to cut costs, perhaps you’ve considered dropping some of your supplemental insurance coverage. This is never a good idea, although many companies look at their Miscellaneous Professional Liability (MPL) coverage as being an unnecessary expense. It sounded good when talking to the broker, but now it seems likes a frivolous expense. Here is why you need to keep your MPL insurance.

5 Easy to Understand Benefits

  1. A standard general liability policy will only cover claims that arise from actions or events involving professional services.
  2. Lawsuits, no matter how absurd or unsubstantiated, are expensive and can drain your company’s finances during your fight for resolution.
  3. MPL coverage isn’t required by law, but the professionals at Huntersure will tell you that most contractual work will require it.
  4. The value in MPL insurance isn’t in a dollar amount that provides a return on investment. It can be used to help solicit new business or projects and bring financial help during legal situations.
  5. The costs of legal claims, court settlement, and legal representation cost much more than you will be paying through your plan’s premium.

The arguments against MPL always come back to the value of the plan in relation to the costs and stress of dealing with a claim or suit against your company. Regardless of how unaffordable you may feel the contract is, you really can’t afford to not have this coverage when an incident unfolds.

What Is Commercial Insurance And Why Do I Need It?

Commercial Insurance

Thinking about making your idea a reality and opening your own small business? More power to you! An entrepreneur’s spirit lives inside of you and you’re ready to take on the universe. While you excitedly sketch out your logo and find a lender, don’t get so caught up that you forget one of the most basic, yet most essential aspects: Commercial insurance.

What Is It?

As the name implies, commercial insurance is geared towards business owners to help them manage a company and crew.

What Does It Cover?

It all depends on how you choose to use it, but most commercial packages include things like:

  • Auto breakdown/replacement coverage for commercial vehicles
  • Cybersecurity packages
  • Worker’s compensation packages (if you manage a team)

How Can I Learn More?

A great place to start is your homeowner’s insurer. Speak to one of your agents and ask whether or not they offer commercial insurance — and if they don’t, ask who they recommend or if they do business with any affiliates. If you are left completely stumped, check out data found on www.isurepro.com to give you a running start.

You protect your car, home, and health, why would you not protect your business? Don’t let your hard work and money go to waste when you act on your exciting new endeavor.

What You Need To Know About Insuring Your Maritime Business

Merrimac Marine

While adequate insurance coverage is an important concern for any business, maritime businesses have special additional concerns that should always be taken into consideration when putting together a policy. Maritime Employer’s Liability (MEL) coverage, in particular, ensures that both you and your team are thoroughly protected by the right solutions.

What Is Maritime Employer’s Liability (MEL)?

As explained by Merrimac Marine, MEL is a type of maritime insurance coverage that occupies an important middle ground between the worker’s compensation any business owner would be familiar with and the marine-specific policies a maritime business owner in particular needs to be aware of. Types of services that can be covered under a MEL policy include:
Drilling
Maritime construction
Seismic research and other scientific studies
Contract work performed aboard active vessels

Without MEL, your maritime business may not be completely covered should your company ever be held liable for injuries, deaths, or other mishaps that may occur as a result of doing business.

Where To Seek Coverage

When insuring a maritime business, it’s important to make sure you’re trusting the process to an expert. For best results, choose an insurance company that specializes strictly in marine business coverage. It’s the best way to make sure you’re properly advised and completely protected going forward. Explore the possibilities today, and rest easy knowing your maritime business is in the right hands.

Three Tips to Increase Staffing Firm Cybersecurity

WWSPI

Staffing firms may not consider data breaches a high concern, but perhaps they should. With the number of temporary, part-time and contract workers moving about the building on any given day, it can be hard to keep track of who has access to what. These tips can help increase your firm’s cybersecurity measures.

Staff Training

Regularly train staff on appropriate security procedures. New employees should have training on how the firm handles sensitive information even if they have no access to that information. As seen on WWSPI, employee misuse of information causes about 12% of all breaches.

Breach Response

Data breaches are bound to happen regardless of the security measures in place. Having a breach response plan in place before they happen can help mitigate the damage done. A solid insurance plan can help mitigate the financial loss of a breach.

Security Policy

All these should be included in robust cybersecurity policy. Encrypt all personal information before issuing mobile devices in case someone loses the device. Have a plan to update all security programs and software programs on a regular basis to reduce outside threats.
Data breaches occur both inside and outside the company. Staffing firms are particularly vulnerable due to the number of people accessing the system. These tips can help reduce the number of breaches and reduce their effects when they happen.