A good insurance program will protect your business property from loss due to fire, theft, vandalism and more. But without certain important, overlooked and even somewhat arcane coverages, your property coverage could leave you short of the funds needed to rebuild and recover. Increased Cost of Construction Do you own your business premises? Any building...
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Weight Discrimination on the Rise
The majority of American adults are overweight or obese, yet studies have found that weight discrimination is increasing. One recent study found it was as prevalent as racial discrimination. The study mentioned above used a subjective measure, individuals’ perceptions of being discriminated against for their weight. But studies using more concrete measures, such as pay...
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Anatomy of an Insurance Policy
An insurance policy is a legal contract between an individual or organization (the insured) and an insurer. Although millions of dollars in claims payments can be at stake, too few insureds bother to read their policy. The following primer will help you understand the parts of a policy and some things to look for. All...
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Personal Injury Claims: Beyond Slip-and-Fall Accidents
Although the legal definition of “personal injury” includes injury to the body, standard liability insurance policies have an entire section devoted to covering personal injury claims. And they don’t include injury to the body. Nearly every business owner realizes the importance of protecting the organization from claims of bodily injury from other parties. But there’s...
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Meet Your Insurance Professionals
The only insurance professional you might ever meet face-to-face is your retail insurance agent or broker. But if you have special insurance needs, other insurance professionals are ready to help. Insurance agents: Although many people use the terms interchangeably, insurance brokers and agents have different roles. Agents owe their primary duty to the insurer they...
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Risk Management for Small Business
Every organization’s business plan should include a section on risk management. If your business plan doesn’t address your risks, take a look at the following areas to start. Equipment: Equipment that needs to be repaired may interrupt your business; insurance or service plans may minimize your costs. For example, if your business is dependent on...
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Is Your Website Discriminatory?
Poorly designed websites can create unnecessary barriers for people with disabilities, just as poorly designed buildings prevent some people from entering. And that could constitute discrimination and a violation of the Americans with Disabilities Act (ADA) and its amendments. Most employers should know Title I of the ADA, which applies to all employers, public and...
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Understanding Your Terrorism Coverage
When you renewed your commercial property or business package policy, your insurer might have included a notice regarding terrorism insurance coverage. What’s this all about? Your policy might contain two types of terrorism endorsements, or policy additions that provide extra coverage. One would exclude coverage for terrorism-related losses if the federal Terrorism Risk Insurance Program...
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7 Steps To Filing Your Insurance Claim
We hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage. Notify Authorities Your first priority is always to prevent further injury and to protect life and health. If...
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Rented Premises: Why You Need Property Coverage
Generally, you buy property insurance to cover damage or loss to property. Your liability policy might provide some coverage…but probably not enough. In the world of residential real estate, landlords buy property insurance to cover damage to buildings they own. If you rent a home or apartment, your renter’s policy will cover your contents and...
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