Independent Contractor’s Coverage: Is It Necessary?

Independent Contractor’s Coverage: Is It Necessary?

In terms of insurance misconceptions, a major one deals with independent contractors. Many believe that independent contractors don’t need insurance. The truth is that contractors are vulnerable to lawsuits in the same way that business owners are. So, if you’re wondering if you need independent contractors liability insurance, here are the reasons why.

Business Protection

You should want to protect your business! If you have a landscaping company, you need general liability or you may lose more money than you gain and your business will suffer for it. Any job where you perform a service, you can suffer a lawsuit.

Client Protection

Your client may expect you to have protection. Say that you’ve been hired on for a project, but before you sign any paperwork, he or she asks if you have general liability. If you do not have the coverage, you’re liable for any damages that occur. A client may pass on your services if you don’t have insurance.

Legal Requirements

The laws differ when it comes to your industry. For instance, if you are working in a low-risk occupation, the law might not require it. However, if you work in the construction industry, most states require that you have some form of liability coverage.

Independent contractors liability insurance is not a coverage that you want to forget about. Liability is as important to independent contractors as it is to employers.

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Why Daniels is The Right Choice

Among the dozens of different insurance agencies to choose from, you may be wondering what sets Daniels Insurance Agency apart? Well, take our eight decades of history in the industry as an example. Our years of experience has made us one of the leading New Mexico agencies. We have the background and expertise to offer both business and personal insurance. Here are three more reasons why working with us is the right choice.

1. Trust

Our team members build a relationship with every client. They do so by listening to their needs and opening up an open line of communication. This makes a team between agent and client that is built to last. Our clients trust that their assets are in good hands with us.

2. Dedication

As an independent agency, we have also made great relationships with unusual insurers. This allows us to craft the best policy possible. We fight for the best rates and most comprehensive plans so that you don’t have to deal with agencies yourself. We dedicate ourselves every day to building your best future.

3. Knowledge

Daniels Insurance Agency has the experience to offer significant policies for many types of business. Our clients include oil & gas, electricians, construction, hospitality and public entities. We are also ready to help families with auto, homeowner and umbrella coverage.

Stop by one of three convenient offices to learn more about how you can get fantastic insurance.

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The Importance of Website Design for Insurance Businesses

The Importance of Website Design for Insurance Businesses

When thinking of ways to build a profitable insurance business, the focus is often rightfully concentrated on ensuring that agents can provide a high-quality portfolio of coverage options to potential clients. Not only must they be appealing and cost-effective, but they must also deliver what they promise. While that should be a priority, something that insurance businesses might not consider at first is an effective marketing and advertising strategy, including Insurance Website Design. By hiring a website developer to create your website, you can look forward to an online presence that is likely to drive traffic to your agency.

Why Trust the Professionals

When you have a website designer that understands effective web design in addition to the inner workings of the insurance world, you can better steer your business toward success. A qualified professional that specializes in Insurance Website Design can likely create a website with the following criteria:

Easily accessible and viewable through a variety of devices and platforms

Regularly maintained and up to date

User-friendly and effective in delivering information about your agency

Content that is engaging and accessible to the masses

Key information adequately highlighted

When you consider the potential benefits of having a website that attracts more clients, you can see how your investment in an insurance website design professional can be well worth it.

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Protecting Your Business in Orlando

Protecting Your Business in Orlando

There’s no better way to protect your business from financial troubles and lawsuits than with an insurance policy that covers the risks you face. If you’re searching for business insurance in Orlando, then you’ve come to the right place.

Insurance Products for Your Business

Business risks can take many forms and wreak havoc if left unchecked. That’s why an insurance agent performs a thorough risk assessment of your business and creates a customized plan that increases protection for those risks specific to your company. The following are some of the coverage options available to your business:

Professional liability
General liability
Employment practices
Cyber liability
Inland marine
Workers’ compensation
Surety bonds
Commercial property

Professional protection comes in many forms, including those listed above. However, each business faces unique risks and the policy should not be treated as a one-size-fits-all situation. That’s why a risk assessment is essential for the system to deliver adequate protection to your business.

Safety for Your Business in Times of Crisis

To protect your business, your employees and your professional reputation, you need business insurance in Orlando. A policy can be tailored to meet the specific needs of your business and lessen the risks you face in your industry so you can focus on your business instead of the unforeseen dangers.

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Different Types of Insurance for Homeowners

If you’re a new homeowner you might not be familiar with homeowners insurance. People who have only had renters insurance might not realize the different types of coverage that you need as a homeowner.

Structural Coverage

The most important component of homeowners insurance is structural coverage. This coverage protects the physical structure of your home, such as the roof and walls.

Liability Protection

This coverage will help protect you if someone files a claim against you if they were injured inside your house or on your property. If you think your friends would never sue you, don’t forget that you will most likely have several service providers in your home. Service providers can include the cable company, plumbers and handymen. This coverage can also protect you if you (or your pets) cause damage to someone else’s property.

Personal Property Coverage

This coverage is similar to renters insurance, which covers your personal belongings in the event of an accident or theft. Most people don’t realize that this coverage generally protects your belongings even if they’re stolen or damaged of your property.

Additional Living Expenses

This coverage will pay for costs incurred if you can’t live in your house due to a natural disaster. It includes hotel and restaurant expenses.

You may also want to look into flood insurance, guest medical protection, and a personal umbrella policy to ensure you have the most coverage possible for your new home.

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Changing Weather: Use These Tips for Safe Portable Restrooms

Portable restrooms are a mainstay when visiting festivals, large outdoor events or on construction sites. The number of portable restrooms used rises beginning in spring when the chance for inclement weather also rises. Along with having the New York Marine and General Insurance company phone number handy, keep these other tips in mind.

High Winds

When the winds blow fiercely, tip overs can happen at a higher rate. If transporting units, securely fasten them down to the truck bed. Position units to prevent tip over during normal windy conditions for the area.

Natural Disasters

Prepare a risk management plan for a natural disaster. Take care of the things you can control ahead of time. Sanitation is a crucial help when disaster strikes. Be ready to answer the call to provide an essential service.

Rising Temp

As the temperatures start rising in preparation for summer, your company may need to increase the service schedule. Regularly use deodorizers, check ventilation and pay attention to water tank levels to help combat odors and flies during warm days.

Having a checklist and preparing for potential weather events keeps your business from having an interruption in service. Call the New York Marine and General Insurance company phone number if you need to file a claim or have a question. An often overlooked industry, sanitation makes modern life better.

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Tips for Moving to Ridgewood

If you are interested in moving to a village chock-full of community parks, historical sites and natural preserves then Ridgewood, New Jersey may be the ideal destination for you. To make the most of your stay it is important to make some considerations before loading up that moving truck. If you plan on relocating, be sure that you are affairs are in order including finding insurance near Ridgewood to keep you covered.

Items for Your To-Do List

Adequate preparation beforehand can improve the likelihood of enjoying your new location by minimizing stress and helping you to focus more on the benefits of your new location shortly after you arrive. Some tasks that you can complete in advance include the following.

Preparing documents for the New Jersey DMV if you are moving from out of state or an international location.

Contacting real estate agents or doing online searches 2 research housing options Using job search engines to begin the application process for a new job if needed.

Joining community forums to get a better feel for your environment and neighbors and as a resource for local advice.

Moving anywhere new comes with challenges, but it can be worth it to find a new community you love which can improve your quality of life. Before making this major transition be sure certain tasks are squared away such as setting up insurance near Ridgewood and anything else you can do in advance. This way you can focus more on the benefits of your new home instead of the stress of moving.

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Storm Damage Recovery

There’s no time quite like spring. Not only because of the freshly-bloomed lilacs and roses, but also because of the unpredictable weather. No matter where you live, Mother Nature likes to throw temper tantrums in the springtime. These can be damaging and lead to costly repairs. If your home has encountered damage from a storm, know how to handle it.

Contact Your Insurance

Call your homeowner’s insurance immediately after the storm ends and you can safely assess any damage. If you live in a coastal state, chances are you’ve encountered your fair share of storm damage. Homeowner’s insurance in Connecticut, for example, probably gets these sorts of calls all too often. Living along the coast seems to infuriate Mother Nature most of all, but she doesn’t always discriminate. Whether you live in Iowa or have homeowners insurance in Connecticut, your insurer needs to know.

Be Careful

Proceed with caution when moving forward with any storm damage. If there is any electrical damage outside (like a telephone wire), DO NOT GO NEAR IT. Call your local fire department and alert authorities as soon as possible. Don’t allow children or pets to go near anything damaged by roping off the area. Children and animals are naturally curious beings, but you don’t want them to get hurt. Remind youngsters that the area is not safe and that they should not play there.

Exercise caution and safety after a big storm. Let your homeowner’s insurance play a part in repairing any possible destruction caused.

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What to do if You Are Injured at Work

Though high-risk industries like construction and automotive are more likely to see injured workers, the truth is that work injuries can happen at any job. You might slip and hurt your back on the wet bathroom floor, or perhaps slam your fingers in the door. There are steps to take if you sustain an injury on the job.

Look at Insurance

Chances are that your job has an insurance policy that covers work-related injuries. Go to your human resources agent and speak to them about how you can access these benefits. Companies like David Insurance have special worker’s compensation for situations like these. If your company has no worker’s comp, check into David Insurance and see if they can help.

Tell Your Supervisor

Let your direct supervisor know what has happened as soon as you are able to. There will be paperwork to fill out and documents to sign. Your supervisor might also have advice for you on how best to approach a doctor’s visit and file an insurance claim.

Take Care of Yourself

Do what you can to keep yourself healthy. After visiting the doctor, follow their recommendations closely. Take all medications prescribed to you, ice or heat the injury as needed and rest as much as you can. Not following the doctor’s orders could not only make your injury worse, but it might invalidate your insurance claim. Work injuries are the opposite of fun. Taking the right steps after sustaining one can get you back at work and back on your feet sooner.

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Restaurant by the Bay

Opening a restaurant is an exciting endeavor. Even more exciting is the prospect of opening a restaurant along the coast. As beautiful as the view might be, educate yourself on the potential risks of this lovely piece of real estate. You don’t want your dream to come crashing down after a disaster.

Insurance

First things first: pick a quality insurance agency that specializes in marina coverage. You might not own a boat, but being along the waterfront has risks of its own.

Flooding: High tides can result in unwelcome water making an appearance inside your property. Damages can be crippling, but a quality insurance agency can help.

Storm damage: When Mother Nature shows her fury, it can be powerful. Oceanside storms can cause property damage to windows, roofs and the structure as a whole.

Vessels: It’s unfortunate, but it happens: a badly steered boat can strike a building and cause serious damage. Being covered from these types of collisions can save hundreds of thousands of dollars.

Seafood Quality

Know exactly where your food is coming from, and be meticulous in proper refrigeration policies. The numbers don’t lie: every year, 48 million Americans get sick from foodborne illnesses. Establish a good relationship with reputable vendors and have strict policies with staff involving storing and reheating food.

Only you can decide if the risk is worth the reward when buying beachfront property. Running a business by the sea can be beneficial, but knowing the risks ahead of time can make your decision easier.