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Why You Should Think About Getting Life Insurance

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

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

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.

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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.

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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.

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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.

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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.

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Don’t Let a Hurricane Decimate Your Business

Did you know that manufacturers insurance in Orlando can be a critical boon for your business during the early summer and fall months? As the tides turn and tropical storms roll across the Atlantic seaboard, your business can face a multitude of potential threats, including:

 

Property damage from gale force winds

Equipment loss from electrical surges

 

Inventory loss from flooding without a comprehensive insurance portfolio, any one of these events can lead to significant revenue loss and put your business in jeopardy. Fortunately, premium manufacturers insurance can help you mitigate or overcome these risks and keep your business protected during the worst of the hurricane season.Hurricane-Critical ProtectionsAlthough every business will need a unique policy to meet its operational needs, any business in the path of a hurricane can benefit immensely from the following two types of protection:

1. Property Protection

Falling trees can pack a wallop on your budget, so consider adding property insurance to keep your reconstruction costs to a minimum.

2. Business Interruption

Hurricanes can take your business out of pocket for days or even weeks at a time, so it’s critical to protect yourself with insurance that can replace your revenue while you focus on recovery.

Year-Round Benefits

Although property and business interruption insurance can help your business get back on its feet after a hurricane, these protections can be just as crucial once hurricane season is over. Keep your business and bottom line protected year-round with premiere manufacturers insurance in Orlando.

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What is BOP Coverage?

Small businesses are at risk for certain types of claims as much as larger organizations. A Business Owner’s Policy combines business liability and property insurance into a single policy and may have a reduced premium. There are several reasons Carmel business owner’s policy coverages make financial sense.

Small businesses should consider this kind of package if they have a physical location, whether it is owned or rented commercial space or a home office. A BOP should also be considered if there is a possibility of a lawsuit being brought as a result of a customer being injured in the workspace. Digital assets, customer data, cash, equipment and inventory can be crucial to the success of a small business. If any of these are on-site, a business owner’s policy should be in place for protection against theft or damage.

A BOP simplifies coverage needs by bundling property and business liability insurance into one policy. Commercial property insurance can protect buildings, equipment, fixtures and inventory as well as the loss of valuable records and accounts receivable. Liability insurance covers lawsuits in instances where a business is liable physical or reputational damage.

Landlords, banks and other entities may require Carmel business owner’s policy coverages before space can be leased or loans approved. Having the right coverage reduces risk and enables business owners to focus on their business and not potential lawsuits.

 

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Insuring Your Small Business

Insurance coverage can usually be found through a brokering agency or original carrier company. For those looking for New Jersey contractors insurance, you might need to rely on an agency who offers coverage through national carriers and can offer multi-state coverage. There is a difference between local and national insurance, and your services might require the flexibility of a greater coverage area.

Coverage Distance

Insurance carriers must be licensed in the state where they are going to broker policies, but some clients have need of service coverage in other states. For those in the contracting business, you may reside in one state but offer services in multiple states. If you choose a local insurance company, make sure they can service other states and provide coverage from national carriers.

Coverage Options

For local companies brokering policies with nationwide carriers, you have greater access to a wider range of coverage options. Business risks and exposures may require commercial real estate, auto, theft, service interruptions or general liability coverage. Being able to choose from a number of potential carriers allows you to shop for the best price while still having complete coverage specific your business needs.
If you are in the market for New Jersey contractors insurance, look for a company that has access to national carriers and a multi-state service area.