Gig Economy Insurance: What You Need to Know

The workplace is always changing and shifting. In recent times, a gig economy has arisen. This means that workers have become more or less on-demand workers that are coordinated by employers, online entities or staffing agencies. These workers earn pay by job rather than an hourly wage. When it comes to a business protecting its assets however for these types of workers, gig insurance is what is necessary.

Occupational Accident Coverage

One type of protection that you can count on is benefits of occupational accident insurance. This type of coverage offers benefits as follows:

  • Medical expenses
  • Survivors
  • Accidental death
  • Temporary and permanent disability

Now, when it comes down to it, these policies are more complicated than simple workers’ compensation coverage. However, they are also more flexible.

Importance of Coverage

Given these aren’t traditional workplace environments; worker’s compensation may not protect workers or employees. Most workers are independent contractors and hence they do not receive these benefits. Occupational accident coverage is the answer to this dilemma. It protects the worker and the company in the case of a workplace accident.

When it comes to the changing workplace, insurance companies have to change with it. This is why gig insurance is crucial for many different businesses. As the business world changes, protections have to change with it.


Accidents on Personal Property

Insurance needs vary by location and applicable regulations. For instance, those in the state of New Jersey will find the government requires three types of auto insurance. Potential Palisades insurance needs will include vehicle coverage, but also address residential and commercial concerns.

Property Ownership

Whether you own a piece of commercial real estate or simply maintain your residence in the area, there are several liabilities you might encounter. There are four categories of individuals that will associate with your property: invitee, licensee, social guest, or trespasser. Depending on the situation, any one of these individuals may bring a lawsuit against you or your business for an injury sustained while on your property. There are several factors that are considered when it comes to legal issues involving accidents. They could include:

  • Circumstances by which the individual entered the property
  • The operations occurring on the property
  • The probability of an accident or injury occurring while on the property
  • The reasonable effort put forth by the owners to avoid, repair or warn of dangerous conditions on the property

With Palisades insurance inquiries, you will want to consider the most comprehensive way to address legal liabilities with property ownership. The limits and exposures will vary between residential and commercial properties, so be sure to explain in full detail the uses and intentions for your property.

Coverage and Service That Surpasses Expectations

Your insurance coverage should come from an agency that has premium level service and fantastic coverage options. David Insurance is that agency. Our years of service in the New Jersey area has provided us with the expertise that you need from a company. As an independent agency, we have also built connections and partnerships with some of the best insurance carriers from all around the industry. Allow us to guide you in your coverage journey.

Our History and Approach

Founded in 1981, we have served thousands of businesses and families from all around the Glen Rock area. We do so by working with the right agencies. See, as an independent company we can pull from our many partners in order to give you the kinds of policies and prices that work for you. Our team works with integrity and passion towards your best interests. This way we can help anyone from the smallest businesses to young families to large corporations.

What Can We Provide?

Along with excellent service, we supply an extensive catalog of coverage lines. For businesses we offer:

As for individuals and families we can help you out with auto, homeowners, flood, earthquake and personal umbrella insurance.

Let David Insurance handle the negotiation for you. Just contact us in person or by the phone today!


4 Things To Know About Malpractice Insurance for Lawyers

Many businesses benefit from an errors and omissions insurance policy. Lawyers are no exception. Mid size law firm malpractice insurance for lawyers covers the errors and omissions for firms with 10 to 49 attorneys. The reasons for solo practitioners to have malpractice insurance apply for mid-size firms as well.

Disclosure Requirements

While obtaining malpractice insurance is optional in most states, there are now disclosure laws in over half of them. Those states require lawyers to disclose whether or not they have malpractice insurance and make clients sign a disclosure statement.

Past Coverage

Most insurances do not cover past incidents, but malpractice insurance often does if there was coverage during the time. Lawsuits arising from an uncovered time are the sole responsibility of the practicing attorney.

State Requirements

Not every state requires attorneys to carry malpractice insurance. Currently, the only state legally requiring all lawyers to have malpractice insurance is Oregon.

Malpractice Suit

As a practicing attorney, you probably have given little thought to receiving a legal invoice. It is wise to hire an outside attorney to defend you in a malpractice lawsuit.

Attorneys understand the financial aspects of any legal case. Protect your firm with mid size law firm malpractice insurance for lawyers. Being on the other side of the invoice is easier with insurance coverage.


How to Use Website Templates Effectively for Insurance Agents

Most people understand the importance of having a website in the age of the internet. This is certainly true of insurance agents, as this is a vital way to attract new clients and connect directly with them. Searching for insurance websites templates to build your website from can be one way to ensure that your website is engaging, both in looks and use. In order to make the most out of a template, here are a couple things you can do.

Have a Solid Idea for Your Brand

Everything has a brand. Whether you’re a big agency, a small one or an individual agent, you’re going to want to be consistent in your website design and beyond. This means people will recognize that look as being yours. If you know what kind of appearance you want for your brand, you’ll have an easier time narrowing down what template will work best and what graphics and assets to include.

Make It Yours!

The best part of using a template is the variety of end results you can have. While multiple people can use the same insurance websites templates for different brokers, the easy customization options for most templates allow for creativity to differentiate from one website to the next. Make the most of these options to make your website the one and only that looks the way you want it to.


The Who, What and Why of Directors and Officers Insurance for Condo Associations

Condos help individuals purchase their living space in dense metropolitan areas without moving to the suburbs or paying for expensive housing near the city center. Most condominiums are run by associations. Condo association directors & officers liability insurance offers financial protection for the condo in the event of a lawsuit.

The Who

Condo associations have an advisory board representing the association and making decisions on its behalf. A resident or employee of the association can file a claim against one of the board members for a variety of reasons. One lawsuit can cause financial problems for the association as a whole.

The What

Directors and officers liability insurance typically covers financial losses from a claim filed against a director or officer of the condo association. Most policies cover the legal costs associated with a lawsuit including awarded settlements.

The Why

A director or officer of the condo association who commits fraud, misuses funds, fails to comply with workplace laws or misrepresents the assets of the association can be sued. The claimant can sue both the offending person and the association for financial damages.

Protect the condo association and the tenants with condo association directors & officers liability insurance. While the association serves the condo residents, lawsuits can happen and provide a need for liability protection.


Insurance Coverage for Boat Borrowing

Owning a boat can be a great deal of fun for you and anyone else you go boating with. However, accidents can also be quite costly. Just as it is advised and encouraged for a car owner to purchase insurance for their vehicle, it is also an excellent idea to find an insurance policy to cover for your boat.

A standard boat insurance policy can safeguard you from costly damages and injuries involving your boat and passengers. However, this is only for if you’re the one using your boat. In the case of letting someone else borrow your boat, you’ll require temporary boat insurance.

What if Your Friends or Family Want to Sail?

With general boat insurance, you and your boat are covered, but anyone else who may borrow your boat is excluded. While this is important coverage to have, if you plan on sharing your boat and allowing others to sail it, it simply isn’t enough. If something were to happen while they are sailing, you would have to cover for the costs required for repairs, injuries, legal fees and anything else involved.

Then What Insurance Do You Need?

In order to include temporary boat insurance within your program, you’ll need to find an umbrella policy. This may mean you have to pay more, but umbrella insurance covers everyone involved with your boat. If you plan on allowing people other than yourself borrow your boat, a temporary boat insurance policy is less expensive than paying out of pocket in the case of an accident.


How Privacy and Network Security Liability Insurance Protects Your Company

Small business owners work hard to grow their companies. If your company requests and maintains customer information, you must manage it properly. If you don’t, you may watch your hard work and financial investment go down the drain. With a privacy and network security liability policy, such as the one from Axis Insurance, you can likely protect sensitive customer data and protect your organization from lawsuits.

Modern Insurance for Modern Companies

Gone are the days when small business owners could avoid collecting customer data or retaining it a computer format. Nowadays, virtually every company collections customer financial, personal, health, and other sensitive information. If someone comprises your storage protocols, you could lose important data. Even worse, your customers may surrender both their privacy and their cash.

Insurance Protection for Computer Breaches

With the right liability policy from Axis, you can protect your small business from a variety of legal challenges. Policies usually cover damages related to the following areas:

  • Network security
  • Privacy breach response expenses
  • Business interruption and work stoppages
  • Regulatory penalties
    Network assets
    If your small business collects or stores customer data, you must do what you can to prevent its misuse. With a privacy and the network security liability insurance policy from Axis, you can help ward off costly lawsuits.

Avoid These Homeowners’ Insurance Mistakes

While you may do your research before purchasing an insurance policy, you still want to be careful. Some consumers focus too much on getting the best deal that they overlook crucial details. The biggest deal is usually the biggest motivator for homeowners. While a good deal matters, it might make you overlook necessary contingencies. Before you make your Glen Rock home insurance purchase, consider these common mistakes.

No Customized Policy

Some homeowners don’t consider what a customized policy could do for them. They snag the best prepackaged deal. While there are circumstances where you might need a customized policy, everyone’s situation is different. Make sure that you consider customized policies before purchasing.

No Discounts

When buying insurance, ask about discounts. Don’t assume that there are no discounts. Your agent can help research which discounts you qualify to receive. Unless you ask about them, however, your agent may not know to look for you.

Not Enough Insurance

Too many homeowners skip out on enough coverage. The rule is to make sure that you have enough coverage to rebuild your home or at least allow you to pay the deposit on a new rental and replace your personal belongings.

If you want to find the best Glen Rock Home insurance policies, it’s important to understand the common mistakes and to avoid them.


What is a Business Owner’s Policy?

A business owners policy in Carmel is a type of business insurance package devised for the convenience of small and mid-sized companies. It is a culmination of services meant to contain coverages that will protect your business.

Key Features

BOP insurance includes a lot of different coverages in one policy. Some main features may include:

  • • Property and Liability Insurance Bundle: Many companies find the need to invest in both property and liability insurance to adequately protect their business. In one bundle your business gets protection from claims by non-employees of bodily injury, accidental damage to others’ property, medical fees associated with injuries and protection for your business’s equipment, merchandise, and other property.
    • Multiple Locations: Many policies will ensure your property for up to five office locations. This makes it easier to protect your inventory and other equipment at multiple locations at once. It may even cover leased furniture or equipment.
    • Additional Options: Out-of-pocket costs can have a real impact on your small business. You may be able to bundle additional coverage options that protect you against costs incurred is forced to close temporarily due to theft, fire or loss of data.


These plans are beneficial to small businesses that are on a budget. A business owners policy in Carmel may save on costs over purchasing individual plans. It also reduces the decision a business owner needs to make. You get the basic policies you need in one fell swoop.