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Three Challenges Small Businesses May Face in 2019

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Running a small business in any industry presents challenges simply in operating the business. The economy has changed in the last few years with the development of technology, outsourcing abilities and financing. Commercial insurance Orlando helps protect small businesses as they navigate the changing business climate.

Technology

New technology can alter how a business does business especially if they are the company launching the new technology. Artificial intelligence is being used more and more in companies particularly in marketing efforts. Technology doesn’t come without costs and exposures though.

Outsourcing

A small business really doesn’t have the time and staff to handle everything required to run the business. Determining what you can outsource and what needs to stay in the house is a constant struggle for business owners with their eyes glued to the bottom line. Key areas that a small business can benefit from outsourcing include accounting and legal expertise.

Financing

Financing is always a key focus of small businesses just getting started, but those who’ve been in business a while need to know the available financing options. Keeping a close watch on the Fed and change in interest rates can ensure your business has the opportunity to obtain the best loan rates.

Protect your business with commercial insurance Orlando. As a small business owner, you have enough to worry about. Let insurance protect your assets in the event of a lawsuit.

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Timeshare Association Insurance Needs

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Many businesses experience variances, but some companies remain steady no matter what. Timeshares, for example, remain consistently popular. Over 7% of Americans own timeshares. This is great if you own a timeshare association, but are you aware of your potential liability? If you don’t possess commercial timeshare insurance, you might want to consider it.

Wholesale Insurance

The nature of timeshares is that there are individual owners for the buildings. As a property or site manager, you don’t need to worry about most things. However, homeowners insurance doesn’t cover everything. And if you’re responsible for a timeshare association, you might want to look into what extra coverage is available to you in case you’re ever held liable.

Directors and Officers Liability

If you own an association, you might also be a board member. It’s important to know where individual owner responsibilities end and yours begin. One of the most frequent claims against timeshare associations involves the selection and management of contractors. If you are responsible for hiring and supervising a contractor and that contractor causes damage to an individual property, you might be held liable for that. You could also be held liable in many different contractors related lawsuits and allegations. Having the proper wholesale timeshare insurance can help prevent costly lawsuits.

Commercial Umbrella Liability

Any timeshare can experience catastrophic damages due to a natural disaster. You want to make sure you are covered for any disaster-related costs that individual homeowners’ insurance may not cover.

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Independent Contractor’s Coverage: Is It Necessary?

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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

by Posted in Insurance, Insurance Advertising, Insurance Marketing Tagged , , , , ,

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

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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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Different Types of Insurance for Homeowners

by Posted in Homeowners Insurance, Insurance Advertising, Insurance Marketing Tagged , , , , , ,

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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Tips for Moving to Ridgewood

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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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Why You Should Think About Getting Life Insurance

by Posted in Insurance Advertising, Insurance Marketing

Although you may not think you need it, life insurance is a valuable form of insurance that should be purchased by individuals looking to protect their loved ones in the event of their untimely death. You can choose a plan provided by a life insurance company in Connecticut or other areas. Different plans are available and may even continue to grow interest over time.

Think Ahead for Your Family

No one likes to think about dying but preparing for it can be a huge benefit for your family. If you were not around to take care of your loved ones, you would likely want to make sure their needs were met both emotionally and financially. If you know things would be hard on your partner if you were not around, looking into a life insurance plan with a life insurance company in Connecticut is the right thing to do. If something happened, the money from the plan would go to whomever you designate in your paperwork. It could be used for basic needs, college tuition, and much more.

Have Final Expenses Covered

Even after a person passes away, any debt that they had before death often falls on the surviving family members. By having life insurance, you can make sure that all your final expenses are covered, including payments for any debt you owe as well as the cost of funeral expenses.

Life insurance is worth having because it offers more financial protection for your loved ones. It allows you to make sure that your final expenses are also covered.

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Coverage That Can Last Generation After Generation

by Posted in Insurance Advertising, Insurance Marketing

During an emergency, you trust that your insurance can handle it all. Unfortunately, many agencies show their true colors during this exact time. You can find yourself underinsured or paying high deductibles. Thankfully, Walker and Associates Insurance is here to save the day. Our commitment to service for over six decades has made us experts in the industry. This proficiency in combination with our incredible customer care makes us the right choice for coverage.

Our History of Amazing Service

Founded by Doug Walker, Sr. in 1960, our agency has put the customer’s experience as our top priority since day one. We have assisted many generations of families and decades of different businesses in achieving coverage that goes above and beyond. We care for our clients and treat every one that walks through our doors with the professionalism and understanding they deserve.

A Policy Ready for You

Walker and Associates is excited to offer services for both business and individuals. Our commercial lines range from general liability to commercial auto to cyber liability. Meanwhile, our individual customers can enjoy auto, health, life and homeowners coverage. Each of these are built specifically for you.

Be the next to enjoy our amazing customer care and strong coverage. Reach out to one of our team members and learn how you can build insurance that can last for generations!

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Gig Economy Insurance: What You Need to Know

by Posted in Insurance Advertising, Insurance Marketing

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.