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Considerations When Shopping for an Antique Car Insurance Policy

As someone who is fortunate enough to call an antique car your own, you know there are plenty of things that need to be taken into account when making decisions about your car. One of the most important decisions involves carrying an antique car insurance policy. These tips will help you select the right policy so you have the coverage you need in the case of an accident or damage to your collectible auto. 

Antique Cars Increase in Value

Most vehicles decrease in value very quickly starting as soon as they drive off the lot. After a certain period of time, that trend reverses and antique cars become more valuable than when they were new. 

Repairs Can Be Costly

Coverage amounts need to consider the increased cost of repairing an antique vehicle. Parts are difficult to come by and when you can find them, they are often very expensive. Add to that the extra expense of a mechanic who is knowledgeable about collectible and antique cars, and the cost of repairs can quickly skyrocket. 

Driving Patterns Vary

Many antique and collectible cars are used only occasionally. Some may never leave a garage or showroom or, if they do, they travel in an enclosed trailer to shows. Very few are used in normal day-to-day driving. Those usage patterns need to be reflected in insurance premiums. 

The right antique auto insurance policy can help you protect your investment. Be sure to take driving and use patterns, the vehicle’s value and the cost of repairs into consideration when choosing coverage.

Considerations for Your School`s Emergency Lockdown Response

The threat of school shootings has led many institutions to develop lockdown procedures that will increase the security of both students and staff during a potential incident. Given the differences in designs of buildings and the response protocols of local law enforcement, there is no standard lockdown procedure for schools to follow. The primary aim of devising a plan is to protect occupants from threats of harm in the fastest, safest way possible.

Formulating Your Response

School lockdown procedures may be required for a number of situations. While active shooter threats as a serious concern, institutions may also issue lockdown orders when riots are occurring, during a national disaster or when police activity is going on nearby. Your institution needs to address a response to fits the situation and devises a strategy based on evacuation opportunities, shelter-in-place instructions, internal vs external threats, and full lockdowns.

Conducting training with staff and students increases the likelihood that the lockdown procedure will reduce injury or mortality for the building`s occupants. Some common immediate actions that should take place include:

  • Turn off all lights and close blinds or curtains
  • Lock all doors and windows
  • Silence all electronics
  • Clear students from areas that cannot be secured
  • Instruct students to stay low and away from doors and windows

For a more comprehensive threat strategy, work with a full-service risk management company to identify and reduce exposures. Taking care of school threats is a complex process that shouldn`t be ignored.

All About Dispensary Insurance

The legal cannabis industry is one of the fastest-growing markets in the United States.  There is no better time than now to open a dispensary.  However, owning a dispensary is not a risk-free endeavor and it is important to be properly insured.  This is where dispensary insurance comes in.

Why Do You Need Dispensary Insurance?

While running a dispensary can seem like an easy and relaxing way to make good money, the reality is that things can go wrong.  Things like fire or theft can be huge setbacks that can ultimately cause your dispensary to go out of business if you don’t have insurance.

What Types of Coverage Do You Need?

There are a number of different types of insurance coverage that are a must-have for any dispensary.  These types of insurance are:

  • General Liability: Protects you against situations where you accidentally cause harm to a customer’s person or property.  This includes things like defective products and false advertising.
  • Property Protection: Provides coverage for all of your dispensary’s property.  This includes things like your equipment, your inventory, your furniture, and your fixtures.
  • Business Income Protection: This type of insurance coverage replaces income lost if you are forced to close temporarily because of things that fall out of your control.  An example could be closing due to fire damage that has to be repaired before you can open again.

Running a dispensary can be extremely lucrative.  Having good dispensary insurance can help everything run more smoothly.

Reimagining Risk Management With Captive Insurance

As a business owner, two things that occupy your focus are saving money and managing risks. Certain insurance products help you manage various operational risks that can threaten the health of your company. For example, you might have property insurance to cover losses due to theft or fire. While that’s a pretty typical coverage for most businesses, your operations may include risks that are difficult to cover with standard policies. Self-insurance is a go-to for many businesses, but this can be a very costly way to manage risk.

Enter Captive Insurance

Captive insurance solutions offer a way for companies like yours to reduce costs, cover unique and/or difficult risks and improve cash flow by creating an insurance company. Captive insurance offers certain benefits for you as the insured:

  • Evaluating subsidiary risks
  • Writing policies
  • Setting premiums
  • Returning or reinvesting unused funds

Captive insurance includes common coverages such as general liability and worker’s compensation, as well as those for hard-to-insure risks that may be more specific to your company and its operations.

Control Your Coverage

Captive solutions put you in the driver’s seat when it comes to how you protect your business. Choose an insurer that can help you come up with a tailored approach that protects not only your company, but clientele risk as well. See how captive insurance can help you save money while protecting what matters.

Does Your Insurance Meet the Needs of Your Staffing Agency?

When you run a staffing firm, your work can sometimes prove more challenging than you’d like. The temp industry is complicated, meaning you can’t always rest on the laurels that other industries do. The contractors employed by your staffing firm fall into a specific status when it comes to employment. This means your traditional plan for workers’ comp and other insurance coverage will not work in the same way. Use these tips to see how you can improve your coverage to fit the needs of your agency. 

Meet Staffing Agency Criteria

Appropriate staffing agency insurance should always address the unique nature of temp work. Since contractors work under your organization and the entities you assign them to, it can be difficult to suss out which insurance plan the workers fall under. By taking out additional protections with your plan, you can be sure that any incidents that occur will not be used against you in legal or financial ways. Additionally, you can protect your employees in the event of injury while on a job. Other points to look over include: 

  • Coverage for directors and officers
  • Protection in the event of an error or omission
  • Option for Individual plans 

Overcome Any Obstacle

Though there are some significant obstacles on the way to success, your staffing firm can easily get ahead with a little forethought. Explore your options with insurance and discover how you can stay protected at all times.

All About Dispensary Insurance

Dispensary Insurance

The legal cannabis industry is one of the fastest-growing markets in the United States.  There is no better time than now to open a dispensary.  However, owning a dispensary is not a risk-free endeavor and it is important to be properly insured.  This is where dispensary insurance comes in.

Why Do You Need Dispensary Insurance?

While running a dispensary can seem like an easy and relaxing way to make good money, the reality is that things can go wrong.  Things like fire or theft can be huge setbacks that can ultimately cause your dispensary to go out of business if you don’t have insurance.

What Types of Coverage Do You Need?

There are a number of different types of insurance coverage that are a must-have for any dispensary.  These types of insurance are:

  • General Liability: Protects you against situations where you accidentally cause harm to a customer’s person or property.  This includes things like defective products and false advertising.
  • Property Protection: Provides coverage for all of your dispensary’s property.  This includes things like your equipment, your inventory, your furniture, and your fixtures.
  • Business Income Protection: This type of insurance coverage replaces income lost if you are forced to close temporarily because of things that fall out of your control.  An example could be closing due to fire damage that has to be repaired before you can open again.

Running a dispensary can be extremely lucrative.  Having good dispensary insurance can help everything run more smoothly.

Weighing Insurance Options in a Nonprofit Environment

Nonprofit Environment

Nonprofit organizations are an increasingly important component of the social safety net. However, they face several challenges, such as protecting their assets without overburdening already stretched budgets. When weighing nonprofit liability insurance options, it can be helpful to break coverage types into those that are absolutely necessary and the ones that supplement them. 

Types of Coverage Nonprofits Must Have

Whether required by law or as a basic minimum amount of coverage to protect the organization’s operations, certain types of insurance are an absolute must for nonprofits. These include:

  • Business liability: This covers the company in the case a claim is made against it. This will usually result from an accident or injury, but can also be related to services provided by staff or volunteers and cases of libel or slander.  
  • Workers compensation: When an employee is injured while performing their job, workers comp pay s for medical expenses and lost wages. 
  • Auto liability: At the minimum, company vehicles should have liability coverage. Additional coverage for volunteers that drive personal vehicles may also be needed. 

Extra Insurance That Fills the Gaps

There are also some policies that help fill in gaps in coverage. They may not be required by law, but are nice choices if your budget allows them. A few of the most common include coverages for employment practices, cyber breaches, and crimes committed by staff or volunteers. 

The right insurance coverages can help protect your assets and operations. This way, if claims are made against the organization, it can weather them without sacrificing its ability to offer services. 

Protecting Your Boat in the Wintertime

Boat in the Wintertime

If you’re a boater who lives in an area with four seasons, you know the importance of boat winterizing. Watercraft and associated repairs are expensive, and the damage caused by improper winterizing can be devastating and leave your boat unusable.

Dangers of Inadequate Winterizing

Failure to properly winterize your boat can result in fluid freezing and cracking important parts such as tanks and fuel lines. Freezing temperatures can also alter the chemical makeup of fuel inside your tank and create a caustic mixture that can damage your engine.

Preventing Fluid Freezing

Fluid expands as it freezes, which can result in cracked components. For this reason, fluid drainage is an important part of boat winterizing. Your engine, plumbing and water systems and drain systems should all be dried and prepped before storing your boat for winter.

Preventing Engine Damage

Adding a stabilizer to your fuel system can help avoid temperature-induced separation of fuel components and the associated engine damage. Make sure you run the engine to distribute the stabilizer to all parts of the system.

A boat is a big investment, and you don’t want to damage that investment due to negligent care. Proper boat winterizing involves a few key steps to prevent serious damage to the components of your craft.

Understanding Insurance Coverage for Libraries

Insurance Coverage

Libraries are more than just places to check out books–they’re centers for families, students, artists, and others. In order to run a successful library that nourishes your community, you’ll want to ensure that you have library liability coverage that covers all the most important areas.

General Coverage

A good liability coverage package will include general liability coverage. This can help cover costs and discourage lawsuits related to injuries sustained by anyone on the premises. Additional Good Samaritan coverage can help provide protection in the case of a medical emergency.

Technology Coverage

As technology–such as computers, printers, and digital media–become more present in libraries, your library liability coverage should reflect this trend. Good coverage will provide protection for computer equipment and data, and well as any other technology in your library.

Property Coverage

Libraries frequently bring in or lend out books, art, and technology, and as such need protection for their property even when it isn’t in the building. A thorough insurance policy will provide coverage for property that is in transit or off-premise.

Libraries differ from traditional companies in how they function, and consequently in their insurance needs. Having good library liability coverage can help you build a strong community space without worrying about your financial risks.

Why Even Professional Insurance Agents Should Consider Errors and Omissions Coverage

Errors and Omissions Coverage

Working with a variety of clients as an insurance agent can be professionally fulfilling but may also leave you vulnerable to a range of liability problems if you aren’t well insured. For this reason, you may want to consider getting E&O insurance for insurance agents. E&O insurance, also called errors and omissions insurance, can protect you from getting sued or suffering financial fallout in a number of ways.

E&O Can Encompass Several Factors You Might Not Be Covered For Yet

Even if you already have some other types of insurance available to you through your work, E&O coverage specifically can protect you from several risk factors you might still be vulnerable to. For instance, these features may include:

  • Subpoena coverage up to a certain amount
  • Worldwide claims coverage
  • Punitive coverage
  • Personal injury coverage
  • Subcontractor coverage

Most Types of Insurance Agents Can Qualify for E&O Insurance

If you’re concerned that your type of insurance work might not qualify for E&O coverage, you should know that this insurance is usually available to most insurance agents. That means you could get coverage whether you work in accident insurance, administrative insurance, health insurance, property insurance and more.

As an insurance agent, you help others protect themselves against risks and liabilities every day, so it’s important to remember to protect yourself professionally as well. By getting tailored E&O insurance for insurance agents, you can continue the work you do with peace of mind.