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Insurance for Vegans and Key Coverage Needs

Veganism is growing in popularity here in the US and agents are positioning themselves to attend to the needs of this fast-growing industry. It doesn’t matter whether or not you are a vegan businessperson when it comes to the risks and exposures you face as someone running a business. Insurance for Vegans is meant to protect your business in the event that an event causes injury to an employee, a customer, or anyone else visiting or performing services at your establishment.

These types of issues can hit pretty hard, from a financial standpoint, and this includes anything that could cause a work stoppage, or a closure of your facilities. For example, if a vital piece of equipment ceases to function this could result in hours or even days of delays until you are up and running again. A business interruption of any kind can result in a loss of business temporarily, or even a loss of customers permanently due to reputational damage. Insurance is the best solution to deal with these issues and keep your enterprise profitable for years to come.

Your employees deserve the best

Your employees greet, serve, and often make your clients or customers experience in visiting your operations a rewarding one. It’s your job to retain valuable employees by giving them benefits and coverage designed to retain their services for the long haul.

There are various types of life insurance policies you can offer your employees. You can make choices about what type of policies to provide based on the size of your operations and the number of people you employ. Speak to an agent familiar with your business who can help you with important coverage decisions.

Disability insurance is designed to assist employees with their financial obligations if they are ever forced to miss work due to a disability. Many of their expenses, including mortgage payments, car payments and everyday expenses such as food and other necessities will be covered under this policy, something that every worker sees as a huge benefit.

Providing a good benefits package not only helps with employee retention but also attracts a better crop of new hires. Speak to an agent about your Insurance for Vegans needs today.


Construction Insurance and Contractor Concerns

The construction industry is currently robust, therefore with all the work currently going on, the many risks and exposures being faced on a daily basis brings with it certain concerns. Home contractors, builders and remodelers understand that they face the possibility of an accident or injury each and every time they walk onto a construction job site. The same goes for plumbers, electricians and HVAC professionals who each have their own special job hazards that are unique to their trades.


There are a staggering number of financial liability issues in the construction industry, which is why they need to purchase a construction policy to offset any costly errors or mistakes, as well as any on-the-job injuries that might occur. For these reasons, employers and contractors need coverage to protect themselves and their workforce. How to find the best construction insurance in New Jersey? They need a broker familiar with the many issues that plague this industry.


Many of these artisan contractors enter into agreements with general contractors that specify the types of insurance coverage, limits and special endorsements (additional insured, waiver of subrogation) they must carry in order to secure the job.


Surety Bonds are equally important to secure


As any artisan contractor knows, they need to produce certificates of insurance and construction bonds in order to enter into contracts with clients. When a surety bond, performance bond or other documentation to support a bid is needed, a surety company can provide the services that enable a contractor to enter bids and be competitive in the market.


There are assorted bonds available for every aspect of the project from start to finish and it can be a fairly simple process to secure a particular coverage that makes sense for any business person, and includes construction bonds, performance bonds and/or surety bonds, commercial vehicle insurance, general liability, and umbrella liability coverage.


In addition, workers compensation is also required for contractors who hire actual employees (these are generally not subcontractors, but are paid employees of the construction company or the contractor). How to find the best construction insurance in new jersey? Speak to an agent about any questions or concerns, someone experienced with working with policies that cover construction projects.


Los Angeles Insurance and Watercraft Safety

Long before a storm hits you should be taking steps to prepare your boat and help keep it safe. Storms can happen suddenly and have a devastating effect on watercraft moored in a harbor, so as a boat owner you need to be ready for any event and this requires planning. Ensure that you have the type of equipment you may need to prepare your boat for a storm and, to help with any repairs resulting from damage sustained, you can count on Los Angeles insurance for personal watercraft.

While we don’t experience a lot of heavy storm activity in Southern California, when you are on the water, things can be elevated in terms of dangers when rocky waters do exist.

You should do your part by monitoring the weather and any developing storms, keep duplicate copies of insurance and other vital documents in a safe place, and get to know your neighbors, who may be of assistance when things go sour.

Safety precautions every boat owner should follow

When possible, you may want to consider removing your boat from the water and moving it to a safe land location to reduce the risk of damage when a storm erupts that might affect your current location. If available, put your boat and trailer in a garage. If they must be left out in the open, there are certain steps you can follow to protect your boat from the impact of a storm.

Start by inspecting the trailer to ensure that it is in proper operating condition, and check tires (including the spare), wheel bearings, tow hitch and lights. Strip anything off that could be torn loose by a strong wind and secure the boat to a strong tree or some type of anchor. You may also want to insert wood blocks between the trailer frame and the springs for extra support with the added weight.

Once the storm is over you should venture out to see what damage your boat may have sustained, and check for any environmental conditions or hazards that may have developed. When it’s safe to do so, document and take photos of everything. Make sure you have the necessary documentation for a boat claim, including your Los Angeles insurance policy, receipts, inventory lists, photos, etc. Speak to an agent about your insurance concerns.

Transporting Cargo and the Customs Surety Bond

As your clients operating as freight forwarders understand, all cargo brought into the US must go through a specific process during entry. For anyone importing merchandise into the US for commercial purposes, anything valued over $2,500 or a commodity subject to other federal agencies requirements (i.e. firearms or food), they must then post a customs surety bond to ensure that all duties, taxes and fees owed to the federal government will be paid.

A customs agent may wish to examine the merchandise in compliance with customs regulations. Customs agents will require all cargo transporters to produce documents pertinent to the shipping of goods when requested. Once the inspection is concluded and everything is in order they’ll receive a custom clearance bond. In the case of a default of the bond, they must take responsibility if there is evidence of any damages, which may be charged against the bond.

Import duties and taxes

The primary purpose of a customs bond is the payment of import duties and taxes, along with the assurance of compliance with all laws and regulations governing the entry of merchandise from foreign shipping points into the US. For example, for merchandise that may fall under restrictions, the bond is required to cover an amount above and beyond the commercial invoice value.

For international carriers transporting cargo or passengers via air, vessel or vehicle from a foreign destination to the US, or a domestic carrier that merely wants to transport imported cargo “IN BOND” from one state to another, they will also have to obtain a customs bond. The bond can also be used to cover the commercial invoice value for any items deemed to be non-restricted merchandise, plus the duties and taxes applicable to the shipment.

If your client owns or operates a warehouse or is a facility operator and wants to become a customs bonded facility (with the ability to store or secure imported or exported goods), they will be required to obtain a customs surety bond as well. This is a standard process used in all import and export of goods, but it’s recommended that your clients learn more about this process if they have concerns.


Staffing Companies and Non-Owned Auto Insurance

There are many reasons why businesses purchase non-owned auto insurance. Staffing agencies often enlist full-time and temporary staff to use their own vehicles during work situations that present a potential for those in charge to be held accountable for the actions of those employees while they are driving their own cars. For example, having administrative employees use their own vehicles to go to the post office or bank on the company’s behalf.


Something simple like deciding to send employees to pick up lunch, drop off mail or pick up office supplies and then they end up being involved in an injury accident can have devastating consequences. If you have you ever rented a vehicle while on a business trip, or have a sales force for which you provide a car allowance for business use of their personal vehicles, you need to be insured in the event they cause property damage to another individual.


Other examples related to non-owned auto


If an employee has an accident under any situations, while on the clock, your business can be held accountable and sued for damages. Basic business automobile policies only cover employees while they operate company owned vehicles to perform company business. Therefore, the best protection available in a scenario such as this is non-owned and hired automobile liability coverage. This type of coverage will kick in whenever there is an accident and your company is found legally liable. Typically, an employee’s personal automobile insurance will provide primary insurance to both the employee and the business if the employee is using their own vehicle on company business.


However, there is always the chance that charges will exceed the employee’s policy limit and would then be passed on to the company. Without non-owned and hired automobile liability coverage you may be vulnerable to a potentially costly exposure. This insurance covers bodily injury and property damage caused by a vehicle you hire (including rented or borrowed vehicles) or caused by non-owned vehicles. This coverage is typically added to your business automobile policy but it can be added to your general liability policy if there is no business automobile policy in place. Having non-owned auto insurance is highly recommended for staffing companies that often put employees on the road as part of their regular routine.


When You Need Insurance for Vegan Businesses

If you are operating a company that takes pride in participating in the vegan community, you probably realize how important each and every decision you make will be to the cause that you are advancing. If you didn’t, then chances are you would have found yourself exploring some other entrepreneurial niche. What you might not realize is that there are options out there to support you, even in industries where you might not expect them. Carriers that understand the importance of the vegan movement have begun providing insurance for vegan businesses to help companies like yours keep working for the cause.

Why Vegan Insurance is Important

When you buy insurance, your money contributes to the claims being paid out for other businesses, meaning that you are essentially participating in a group act of mutual protection. This is a good thing, because it lets risk be spread in ways that protect your business. When you are trying to be sure that your money supports cruelty-free causes, though, this can complicate your mission. Working with vegan-specialty insurance carriers means counting on the other companies in your pool to be like yours:

  • Vegan restaurants
  • Community festivals
  • Stores and supermarkets
  • Animal rescues
  • Advocacy organizations

Work with a carrier who supports businesses like yours. Look for someone who works to provide insurance for vegan businesses.

You May Be Better Off with BOP Insurance in Carmel

Insurance companies in Carmel selling business insurance offer policies that combine protection from all major property and liability risks separately, or in one bundled package. One package often purchased by small and mid-sized businesses alike is the business owner’s policy, or BOP for short. BOP insurance in Carmel consists of packaged policies created for businesses that face the same kinds of exposures, along with a common degree of risk.


Larger companies might opt to purchase a commercial package policy that allows them to customize their insurance in order to meet some of the special or unique risks they may face. But smaller companies generally require standard property insurance, liability coverage, and a business interruption policy to ensure that they can continue doing business even after an event that requires dealing with legal issues.


What is the best way to shop for insurance?


Since every business should be insured, as a first-time business owner, you may need professional help. It can be somewhat difficult to navigate through the maze of available plans and providers. Speaking with commercial insurance agents that are familiar with a wide range of business needs is suggested, plus they can provide insight into what’s best for your company based on its size and the type of operations you are running. Here are a few helpful tips from insurance agents for small business owners such as yourself.


It’s important that small business owners understand what each policy provides and what their coverage under a BOP policy does and does not cover, as well as to determine whether the business’s needs call for additional coverage types. In general, the cost of an insurance policy is based on a business’s annual gross sales. As a startup with no sales history, your policy premium will be based on your estimated annual sales for the first year.


When you’re first trying to get a business off the ground, keeping a low budget can be crucial. However, in the case of business insurance, cost shouldn’t be the only consideration. Shop around for a provider that’s in your price range but that also offers comprehensive coverage and business support services. BOP insurance in Carmel is designed for businesses looking to get the right coverage at the right price.

Choosing a Dentist in Aliso Viejo

Taking care of your teeth is imperative in order to maintain a healthy smile. Although home care such as brushing and flossing is important, visiting a dentist for check-ups, cleanings and general maintenance is also necessary. When looking for a dentist in Aliso Viejo, there are a couple of things to keep in mind.


Choosing a dentist who has experience with a number of different issues is key, especially if your situation is more complex. Whether you need a cavity filled or implants put in, or you want whiter teeth, look for a dentist who is known in the area.

Up-to-Date Technology

Technology is important in order to get the most current treatments, and it helps improve the patient’s comfort level. Look for a dentist in Aliso Viejo who takes digital x-rays, offers Invisalign and hybrid dentures, and has state-of-the-art equipment.

Professional and Caring

Many patients have anxiety when it comes to visiting the dentist. That is why it is important to find one who cares about you and treats you like family. While having a professional-looking office is important, having a kind and caring staff who can communicate clearly is crucial.

The next time you are looking for a dentist in Aliso Viejo, take these considerations into account. When you find the right one you can enjoy a lifetime of healthy teeth and gums.


What Should My Homeowners Insurance Cover?

Understanding your homeowners’ insurance policy before you purchase is a necessity. If you don’t know what it covers, you could find yourself with a big problem should you ever need to file a claim. Most hnw insurance in Delaware covers the following.

Dwelling and Other Structures

Of course, your homeowners’ insurance will cover your dwelling, but it may also cover other structures such as garages or fences. You should purchase a policy large enough to cover rebuilding your home, including electrical wiring, heating and air conditioning and plumbing.

Personal Property

Hnw insurance in Delaware should also protect your personal property. Purchase enough for it to reimburse you for clothes, furniture, electronics and other items of value that you have in your home. Keep in mind that the policy won’t cover items you lose while traveling or when it’s otherwise outside of the home.

Loss of Use

If your home is so damaged that it needs extensive repairs or rebuilding, you may have to move your family to a hotel for days, weeks or even months. Loss of use coverage pays for your housing and living expenses during this time.

When seeking hnw insurance in Delaware, find a reputable company. It should not only be licensed, but also have excellent reviews from current and former customers.

Common Hazards and Newport Beach Boat Insurance

Even though it is winter now, we experience pretty good weather year-round in Southern California, so you will often see a few boats out on the coastal waters. One thing that is vital to a successful time when boating is being safe and being prepared. Here are some things to consider before you ever leave the dock, and it makes a big difference when you carry Newport beach boat insurance for times when issues develop.

Emergency contact is crucial

In the event that you have a problem, will you be able to alert authorities? Cell phone coverage is often limited when you’re out in the middle of the ocean. So do not rely on your cell phone should a boating emergency arise. Each and every time you go boating you should file a float plan with someone you trust. That way, if you haven’t returned in a reasonable amount of time they can let the coast guard or other entity know that you may be having issues. You should also ensure that you have a functioning radio as well as working navigational equipment.

Running aground is a common hazard experienced by even the best captains. There may be rocks or sandbars and some waterways are often pretty shallow, especially when the tide is out. This can be a concern even if you stay well within any navigational markers. Whenever you are boating you need to be watchful and may even want to rely on a depth finder and up-to-date nautical charts.

In the event that you do run aground, there’s a good possibility that passengers on your boat could be injured as a result. In addition, you could damage your boat, or you could be fined if marine officials see that you are at fault for any damage to public or private property is incurred. Every boat should have a personal flotation device for every passenger, a fully stocked first aid kit, emergency supplies, and a functioning radio. The idea is to have a good time, keep everyone safe, and get back to shore without issue. But in the event that something does go wrong, Newport beach boat insurance can help get you back up and maneuvering the waterways in no time.