Author Archives: babyins

Insurance Coverage

Insurance Coverage for Special Situations

Traditional insurance policies offer safeguards for common liabilities experienced by the average business or individual. At times, a situation requires a more unique approach to coverage, either through high-risk exposure or an uncommon event or company. The higher risks of accounts like these usually require the coverage of specialty lines of insurance.

The Common Liabilities Influencing Specialty Coverage

There are risks associated with any business operations, and whether you operate a transport company or pony rides at birthday parties, there are some typical concerns. There is the potential for property damage or personal injury, a claim of negligence, or breach of contract claim. Specialty insurance addresses the losses that may not be covered by a traditional liability policy. These could entail personal or professional needs, such as identify theft, coverage of valuables, or errors and omissions claims for professionals.

The Applications of Specialty Coverage

Since a specialty line is an added form of protection, this policy could supplement commercial liability insurance, homeowners insurance, or automobile insurance. The underwriting process crafts limits and exclusions unique to the situation you present through your exposures or potential areas of loss. Those who seek out specialty coverage tend to have higher risks than the average clients, requiring an insurance provider to have strong knowledge of the market and liabilities in order to recommend the right the policy.

Your operations may leave several coverage gaps under your general business policies. Check with your insurance agent to find out if you should pursue specialty coverage.


Commercial Shipping Standards

Understanding Commercial Shipping Standards

The global industry of commercial shipping uses standardization as a way to increase value and efficiency. As business operations become unified, it is easier to build up speed and scale. Here are some of the benefits of utilizing commercial shipping standards.

What Is Involved?

The uniformity of operations can streamline an industry. Commercial standardization makes use of information sharing, common protocol, and cargo management. Standardized shipping containers are a well-practiced example of this principle. The adoption of standard crate sizes, along with the practice of vessel sharing, has helped to drive down overhead costs. These processes make use of available resources in the most effective manner.

What Are the Benefits?

When an industry becomes standardized, it helps to speed up workflow and communication. Standardization can cut out unnecessary time and costs. 
 
Some of the main benefits that come with adopting commercial shipping standards are:

  • Safety
  • Cost efficiency
  • Consistency in quality
  • Scalability

When applied to the global industry of commercial shipping, standardization can result in the ability to move products faster and safer. Standardization creates efficiency by using practical ways to replicate the process.
 
By implementing the practice of commercial shipping standards, business owners and stakeholders can see a boost in the economy of scale, as well as better communication throughout operations.


Allied Health Professionals

Understanding Allied Health Professionals

The world of healthcare continues to grow and develop based on the needs of its clients and everchanging science and technologies. Allied Health Professionals are only a small part of the overall healthcare system, but they play a large role that is expected to continue growing in the following years. Here’s everything you need to know about these kinds of professionals and what they do.

What Are Allied Health Professionals?

These professionals can work in all kinds of medical fields. Their services are offered in hospitals, home-care, and private practices. They work to identify diseases, including studying ways to prevent them, as well as providing diet-related and rehabilitation services.

Who Qualifies as a Professional?

Allied Health Professionals most often include technicians and therapists. A technician (like an assistant) works under therapists or technologists and can assist in most medical fields. Therapists and technologists may work in anything from athletic training and cardiovascular work to physical therapy and dental work.

What Are Fields for Professionals?

Examples of Allied Health Professionals include dietitians, dental hygienists, physical therapists, occupational therapists, and orthoptists. With so many more people seeking the needs of these professionals, jobs are anticipated to continuing to open for those interested in getting their education and degree in one of these fields.


Cyber Liability

Cyber Liability Insurance is for everyone

Technology has revolutionized today’s world and businesses, both big and small, benefit greatly from incorporating new technology into their business plans. From online sales to remote employees, to networked systems, businesses can’t succeed in today’s digital landscape without advanced technology. While there are countless benefits, there are also risks associated with our tech-driven world. Hackers and cyber-attacks are all too common and it isn’t just big corporations that are at risk. Businesses of all sizes should be aware of cyber threats and work to protect themselves and their business interests. 

What is Cyber Liability Insurance?

Despite what many people assume, a general liability policy is not adequate to protect a company from potential losses due to cybercrime. Cyber liability is a type of insurance put into place to keep businesses safe from extensive damage due to a data breach. This type of policy is specific to cyber-related claims and can at as protection from financial loss if your system is hacked or you experience a cyber-attack. However, cyber liability insurance is not enough. Companies must still incorporate advanced security software and employees to monitor activity. 

Who Needs Cyber Liability Insurance?

If your business utilizes cyber technology at all you should work with an insurance agent to evaluate your cyber protection. Don’t assume your company is small enough to be safe. Cyber-attacks are becoming more common and hackers are getting more and savvier. Protect yourself, your customers and your company from cyber threats with comprehensive cyber insurance today.


Watercraft Renting

Insurance Designed For Watercraft Renting Businesses

Companies that include watercraft rental in the range of services they offer to the public face specific risks based on the kind of watercraft and kind of body of water involved. Jet ski rental liability for equipment used on the ocean is a different set of risks from a human-powered boat like a kayak on a still water inland body like a pond or lake, after all. When you’re looking for insurance that is built to work with the kind of rentals you do, it’s important to work with people who really know rentals, and who cover all kinds of companies on all the bodies of water Americans like to explore. That way, you can be sure to get the right coverage for each of your offerings.

Rental Businesses

When it comes to the risks faced by your business when clients take a vessel out on the water, it doesn’t matter if renting watercraft is your main operation, your only operation, or just an amenity you include to draw people to your main business. You have the same liabilities either way, and you need coverage that reflects the size and power of the vessels you make available, regardless of the rest of your business model. That might mean finding a specific provider for just the rental liability portion of your insurance, in addition to your comprehensive business insurer. It might also mean finding a new comprehensive policy with the rental coverage you need.


Pollution

How Manufacturing Companies Need to Address Pollution

Companies in the manufacturing industry are among the biggest ongoing polluters of air quality in the United States. Every manufacturing company needs to take active efforts to reduce the effect of its operations on the environment.

Invest in Infrastructural Improvements

Companies need to be self-auditing in order to create long-term solutions to pollution. One of the most important ways to address manufacturing pollution risks is working towards significant changes that will reduce carbon or chemical emissions. This may include moving towards cleaner energy sources, enhanced filtration systems, and new methods of waste disposal and refinery.

Report Initiatives to Consumers

Everyday consumers are becoming more interested in purchasing products from companies who understand the dire realities of climate change and are making their operations more sustainable. Market demands are changing, and manufacturers need to be accountable to their target consumer bases. Companies should report on what they’re doing to minimize their carbon footprint. When a company establishes itself as an industry leader in environmental reform, it can set itself apart from competitors and win over environmentally conscious consumers.

It’s incumbent upon all manufacturing companies to form a comprehensive risk management plan to mitigate the effects of pollution. Compliance with new environmental regulations is imperative to avoid potentially serious liability and continue earning business.


Pests in The Library

Keeping Pests Out of the Library

Libraries can be sanctuaries for local communities, but the intrusion of harmful pests can disrupt the calming atmosphere. When the stacks are overwhelmed with an infestation, there are many library pest control tips that can be used to restore peace to the library. 

Identifying an Infestation

Pests are not always visible, but they often leave signs of their presence. One of the most common signs is droppings, which are small in size and can appear anywhere in the stacks. For libraries, another sign is damage to books and shelves. For example, termites chew through wood and paper, so they can wreak havoc on a library’s holdings. Once you’ve identified that there is a problem, then you can work on eliminating it for good.

Strategies for Managing an Infestation 

Some effective measures for handling a library infestation include: 

  • Isolating infected items in a separate space 
  • Using heat to eradicate an infestation
  • Lowering temperatures to freeze pests 
  • Placing bait to attract pests 

All of these strategies can take care of an infestation in a short time so there is minimal disruption to the library and its patrons. With the library offering comfort and solitude for many people, it is important to manage infestations before they get out of hand and overwhelm the space. 


Online Marketing

3 Ways to Navigate Online Marketing During a Pandemic

People worldwide are seeing the longer-lasting effects of the current pandemic. Since individuals are adapting to quarantine restrictions and social distancing practices, consumer purchasing habits are also changing. Unfortunately, many business owners are feeling the economic pinch as well. This is why adopting an effective online marketing strategy is crucial to maintaining customer visibility and vitality during a crisis. Here are ways to navigate through the current pandemic and other potential disasters.

1. Focus Your Message

Narrowing down your message to address the proper audience is essential. Consider how your message needs to shift or pivot to meet consumer needs. It’s also important to evaluate how your audience is looking for information so that you can find methods to create more visibility.

2. Demonstrate Your Product or Service

Consumers want to see what your product or service can do for them. They want to know how it will benefit their current lifestyle. Showcasing or highlighting your products or services is effective marketing strategy that digitally puts your product in the consumer’s hand.

3. Share Your Content

Since people are spending more time online, it’s essential to create compelling content and share it using a variety of digital platforms. Use social media and influencers to your advantage. These forms of inbound marketing are not only affordable but extremely effective. 

Businesses need an effective online marketing strategy to keep up with the world’s evolving dynamic. Producing consistent content is crucial. Keeping it simple and sticking with the basics can also be constructive.


Accident Sliding on Ice

What Happens If You Have an Accident Sliding on Ice?

Driving in winter weather brings a unique set of challenges no matter how cautious you are. Road conditions can change quickly and cause you to lose control of your vehicle. One of the ways this can happen is by sliding on ice. This can be a helpless feeling especially if it causes an accident. You may have questions such as whose fault is it or is there “sliding insurance”?

First of all, the fault will definitely lie with you no matter how safe you were being. There is no special insurance for sliding on ice but you need to make sure your insurance policy has coverage for all the things that can happen.

Damage to Your Car

This is covered by the collision portion of a policy. It would cover you the same way whether you slid on ice or not.

Damage to Something Else

Property damage liability is typically required by states and covers damage to other cars and objects. Be careful though, as the bare minimum coverage you can select may not be enough for all accidents.

Injury to Yourself

Medical payments and PIP will alleviate some costs in this case. Again, coverage levels can vary based on your policy and other factors.

Injury to Others

Bodily injury liability will protect you up to the limits on your policy. This provides coverage whether you harm someone in another vehicle or a pedestrian.


Stern Drive Boat Motor Maintenance

How to Maintain Your Stern Drive Boat Motor

Taking ownership of a power boat is a moment you will look back on for years to come as a turning point for your adventurous spirit. Not only will it bring your years of memories built with family and friends, but you have also acquired a lifetime membership into the world of water living, quite different than land living. Of course, that membership comes with a few requirements, and one of those requirements is the maintenance of your boat’s motor. Choosing a stern drive boat motor comes with several benefits, one of which is the ease of maintenance. 

Fresh Water Maintenance

  • Always check your fluid levels prior to use. 
  • Regularly change your lubricants per the manufacturer’s guidelines.
  • Zinc protects your engine, and not having enough can lead to expensive repairs. To avoid this, regularly check your anode(s). 
  • Avoid fuel with ethanol, as the alcohol can cause corrosion.

Salt Water Maintenance  

In addition to the above recommendations, you will need to perform a few more tasks to protect against salt exposure.

  •  After use, remove salt from the system by flushing the raw water cooling circuit.
  • apply antifoul bottom paint to make your motor more corrosion resistant. 

Taking the steps to maintain the life of your stern drive boat motor is relatively easy and takes little time, providing more time for you to explore the boundary-less waves of open bodies of water.