Thayer Innes

Tips to Protect Your Business from Liability

If you own a small business, you probably know that even a single lawsuit can mean having to close your doors. While this is true, there are steps you can take to prevent issues and liability, which are found here.

Purchase the Right Insurance

According to Thayer Innes, having the right insurance is the best way to protect your business from liability lawsuits. While each business’s insurance needs are unique, purchasing products, commercial property liability, and general liability coverage are recommended.

Maintain High Standards

Know your business practices down to the very last detail and work with your employees to create high standards for each step of your service or product. When you know how things should be done, you can begin enforcing these standards at every turn.

Test Your Guidelines

Once you establish your standards, you need to test people and processes to ensure they are living up to them. If not, you need to figure out what has gone wrong and what you can do to fix the issue. Failure to do this may result in a liability lawsuit down the road.

Protecting your business takes time and effort. However, when you use the right steps and put the right processes in place, you can reduce the likelihood of a liability lawsuit being filed against your business.

Commercial Crime

Is It Time To Add Crime Coverage for Your Business?

Most of the time, your business model and industry make it easy to predict what kinds of insurance coverage you need. Building boats? Boat building and marina insurance. Running a store? General liability, inventory insurance, workers compensation, and more are dictated just by the structure of your company. You might not know everything you need when you start, but an insurer who works with companies in your industry should be able to guide you. What gets harder is understanding when your company has grown complex enough to need protection from criminal acts, especially commercial crime.

Theft Coverage vs. Commercial Crime

Most companies, especially those open to the public, carry some kind of protection against criminal acts. The basics are usually things like vandalism, fraud, and theft. Commercial crime coverage is about protecting yourself from crimes against your business that include a more robust set of protections, like insurance against alteration and forgery, protection for online transactions, and protection against employees acting against the business. As your business grows and its operations change, you might need to add or remove specific areas of coverage, and only a company that makes crime coverage its business will know how to meet your needs in the moment. That’s why it’s important to look at company websites like as you shop around. It will give you insight into your options.

commercial insurance florida

Protecting Florida Businesses

Protecting Florida Businesses

When it comes to risks in your business, you need an insurance policy that protects you when your plan details. Commercial insurance in Florida helps your business operate smoothly, even when things go wrong.

Commercial Insurance Policies

The last thing you want is a one-size-fits-all policy that offers protection, just not the kind you need. Your business faces risks unique to the industry and market you serve, which is why an insurance policy should be tailored to meet your needs and face those risks head-on. To do that, an agent will need to conduct an analysis of your business and industry to determine the scope and limits of a policy that best reflects your needs. Coverage options for your commercial policy include the following:

General and professional liability
Cyber liability
Workers’ compensation
Employment practices liability
Directors and officers liability
Commercial property
Surety bonds
Commercial umbrella

You can also add this insurance onto an already existing policy to fill in any gaps or enhance the policy you currently have. If you are worried about future risks, an agent can also assess potential threats to your business and create a policy that mitigates that.

Policies Built for Your Business

Your business is unique and should have a unique insurance policy. If you own a business and want to be protected from unexpected and potentially disastrous events, then you need commercial insurance in Florida.

Professional Liability Insurance Programs for Real Estate Firms

Real Estate Firms: How to Fight the Disgruntled Client

Real Estate Firms: How to Fight the Disgruntled Client

Lawsuits happen. They particularly happen on the regular when it comes to the real estate industry. People have a lot of money tied up in the business, so it makes sense for suits to happen. This is exactly why a firm needs professional liability insurance for real estate firms.

What Is Real Estate Insurance?

As a real estate firm, you do everything that you can to please your client. Unfortunately, this isn’t always enough. There are always going to be clients who are unhappy with their service. Sometimes, this might be due to a miscalculation on your part and other times, it may be because the client was unable to receive what he or she wanted.

This is where professional liability insurance programs for real estate firms come into play. It’s important to have proper coverage to fight against claims.

Negligence and Errors

If your firm is facing losses due to errors, negligence or any other omissions in your services, then you should have insurance to back you up. These fees can end up too costly for most people to deal with. In this case, it’s better to have insurance to pay. Otherwise, your whole firm will suffer the loss.

When it comes to professional liability for real estate firms, it’s impossible to go without it. You can never predict when something might happen and if you’ll be prepared for it without insurance.

dublin insurance agency

How to Build a Positive Relationship With Your Insurance Agency

How to Build a Positive Relationship With Your Insurance Agency

When it comes to business insurance, it’s important for the company to establish a good relationship with the insurance company. The more that your Dublin insurance company understands your business, the more specialized your options will be. The underwriter develops commercial insurance premiums. They do use some individual judgment in the process. Luckily, there are some strategies to building positive relationships with your agency.

Value Your Agent

Your agent provides you with a service that your business strongly needs. It’s important that you value the work he or she does for you. If you have a good relationship with your agent, then odds are, he or she is going to go the extra mile for you. If you value him or her, then he or she will value you more.

Communicate With Agent

Communication is key to every relationship, particularly your relationship with an insurance agency. To maintain a positive relationship, you need to have fair communication skills. Don’t be afraid to tell the agent what you need and tell him or her what you don’t like. Never be afraid to speak your mind. This will keep you in good standing with the agent. Business insurance is complicated. It’s important that you don’t have to navigate it alone. This is why it’s important to keep a positive relationship with your Dublin insurance agency.

How to take care of a baby

The Basics of Caring for a Newborn

Being a new parent can be an exciting and scary experience. There are many expectations that go with caring for a new child, and learning how to take care of a baby can be a long and detailed process that doesn’t quite compare with real life. However, by mastering the basics, you may find you have an easier time.

Babies, especially newborns, require plenty of sleep. It can take some time to regulate a sleeping schedule, which is why so many new parents are sleep deprived. Research quality cribs or arrange other sleeping arrangements to make things easiest for you and your child.

There’s plenty of debate about whether breastfeeding or formula is best. In reality, you should do what is best for you and your baby. Breastfeeding has many health benefits for both mother and child, but if you have trouble breastfeeding, there’s no need to be ashamed about resorting to formula.

Keeping a baby clean is also important, so learn the proper way to hold/handle a baby, bathe a baby and change diapers. Regular doctor visits are essential, and can help you learn how to take care of a baby in a relaxed and professional environment. Babies require lots of attention and care, but taking care of yourself should be a priority as well. While it may be stressful to learn so many new life skills, raising a healthy and happy child can be incredibly rewarding.

baby insurance

Important Reasons to Consider Life Insurance for Your Child

In the frenzy of birthing and caring for a new child, life insurance might be the last thing on your mind. Though life insurance is often something adults might need to think about to plan for the future, there are many benefits to buying baby insurance for your child.

As children grow, they may develop health issues that keep them from attaining a life insurance policy later on. During your child’s infancy may be the opportune time to find a policy so that they don’t lose coverage as they grow. Life insurance can also be expensive for adults, and so establishing a rate as your child matures can help give them some peace of mind once they become an adult.

Life insurance can also be a source of financial security once your child becomes an adult, because the cash value accumulates over their lifetime. They can keep their policy at the childhood premium, or turn in the policy and receive the cash value.

Children are precious and parents often do their best to protect them, but some areas of life can’t be predicted, and having a baby insurance policy can be a huge help when you least expect it. By consulting an expert, you can learn more about available policies that fit best for you and your child.

Invest in Your Child’s Future with a Life Insurance Policy

Finding a life insurance policy for your baby is a task that can easily slip down on your to-do list. Taking care of a newborn requires near constant attention, but there are many reasons to take the time to invest in your child’s future. The unexpected happens every day, and you never know when an event could change the lives of you and your family forever. If you’re planning to apply for a policy, there are several choices for Gerber baby life insurance.

Policies don’t have to be expensive, but they can grow over time so that your child does not have to be concerned about their financial future. Many health conditions can develop later in life, so finding a policy now can help make sure they don’t lose their coverage or have to pay exorbitant prices many adults face. If your child decides to turn in the policy as an adult, they can receive the full cash value.

With the Grow-Up Plan, a small portion of your monthly payment is set aside, which increases the value of the policy. Even if you don’t feel you have much money to invest, those small payments can make a huge difference as your child grows. There are several more benefits to choosing Gerber baby life insurance, and a quick call can answer your questions or find a quote for a policy that’s right for you.

The Simple Timeline for a Growing Baby’s Diet

Caring for a baby can be an overwhelming job, especially when it comes to feeding. The debate of breastfeeding versus formula can seem like it never ends, but the fact is that nourishment plays a huge role in infant health. If you’re interested in the basic baby diet, here are some guidelines.

Babies four months old and under should be consuming breast milk or formula exclusively. At this age, solid foods would be too rough on the developing digestive system.

When a child shows signs of being ready for solid food, usually between four and six months, pureed meat, fruit and vegetables along with appropriate cereals can be added to a diet of formula or breast milk. Common signs to look for include the ability to hold a spoon in the mouth, sitting up in a highchair, and doubling the birth weight.

The amounts of food will likely be small, though at around six to eight months the amounts can increase slightly and a larger variety of pureed foods can be added.

From eight to ten months, you can think about adding items like cheese and other small finger foods. Cheerios, teething crackers, scrambled eggs and pasta are common. At ten to twelve months, you can begin adding bite sized solid foods in increasing quantities.

If you have any concerns or questions, your doctor should be your first resource. Though getting your baby to enjoy certain foods may feel like a battle, a baby diet is relatively simple to follow so that your child can grow at a healthy pace.