Monthly Archive April 29, 2019

Protecting Your Business Against The Public

Protecting Your Business Against The Public

Operating your own small business is a fulfilling venture. This is why you should take every step to protect your hard-earned assets against any future lawsuits. One way to do that is to acquire powerful public liability insurance. Pli insurance is a type of coverage that benefits small businesses and self-employed workers the most. Here is everything you need to know about this amazing insurance.

What Does It Cover?

This coverage handles the costs involved with lawsuits made by the public. These claims include things like bodily injury and property damage. Much like general liability, it can assist with the legal and court-related expenses.
Who Should Purchase?

Pli insurance is beneficial to any business that encounters the public at any point. You simply never know when someone could get hurt. However, this coverage is best for smaller businesses as their limited coverage may mean lower rates.

How Does It Differ From General Liability?

General liability encompasses a wider array of coverage than public liability insurance. General coverage can help with claims made by employees and other vendors. This increased coverage means higher rates. Therefore, if you have a small business then you may be better off with a basic pli coverage.
If you are interested in learning more about this vital policy, contact an insurance professional to get your business on the right track.

workers compensation insurance broker

How to Find a High-Quality Insurance Broker for Your Workers’ Compensation Needs

How to Find a High-Quality Insurance Broker for Your Workers’ Compensation Needs

When beginning the search for an insurance company to meet your needs, consider the value of a relationship with an insurance broker that will put together a comprehensive plan for your business. One of the most important and potentially expensive areas to consider is Workers’ Compensation. Therefore, look for a Workers’ Compensation insurance broker with a variety of qualifications and experience.

Competency in Workers’ Compensation

It’s a good idea to have a picture of your company in mind before meeting with insurance brokers. Think about the size of your business, the work you perform and the number of staff you employ. Research local insurance brokers to find highly rated and recommended professionals with proven success in Workers’ Compensation cases.

Signs of a Quality Insurance Company

Make a list of what you would like in a relationship with your Workers’ Compensation insurance broker. It could include, but not be limited to:

• High ratings of excellence on a national level

• Flexibility with regard to payments and plans

• Leverage in the insurance market

• Solid management of risks

• Options for self-insurance or captive insurance

An excellent Workers’ Compensation insurance broker should recognize the value of putting together an insurance plan that benefits you and your employees both now and in the future.

Independent insurance agents of CT

When It Is Time To Change Insurance Agents

At some point, you may become unhappy with your current insurance agent or company. But how do you know when you should make the switch? Independent insurance agents of CT may offer the perfect combination of both insurance coverage and customer service.


Sometimes moving can cause your current insurance agent to become irrelevant. They may not have the licenses to work in your new state. Or you bought a home and they only offer renters insurance but not homeowners insurance.

Customer Service

Terrible customer service is a primary motivator for people to move on from their current agent. Reading testimonials and asking around for referrals can help you find a new agent with better customer service that you can rely on.


There are times when personalities clash and continuing the relationship is no longer beneficial to either of you. When searching for a new agent, meet them before signing anything. Go with your gut, so you can avoid future personality conflicts.


If you have to file a claim, you need your insurance agent to be on top of their game. An unavailable agent is no use to you.

Changing insurance providers doesn’t have to be a hassle. Finding independent insurance agents of CT starts with referrals from loved ones or testimonials online. Make sure the new agent offers the insurance coverage you need.

marine repairer insurance program

Common Types of Marine Vessel Repairs

Marine vessel repairing is a skilled art that requires a variety of specialized labor. The vessel not only needs to look good, but it needs to functional well after the repairs are complete. Investing in a marine repairer insurance program can protect the financial assets of your business as your repair or maintain marine vessels. Common repairs often require specialized skills in these key areas.


With modern technology constantly changing, even boats are not immune to having outdated technology on board. Upgrading and repairing the electrical system or devices on a vessel takes a skilled marine electrician to handle correctly.


Most ships and boats have some sort of wood comprising either the entire vessel or interior trim. Working with wood requires a steady hand and experience with carpentry.


Knicks, cracks and repainting require the skills of an experienced painter. Specializing in marine vessels means a painter can work on fiberglass, wood and metal.


The vessel’s engine works similarly to an automotive engine but is different. A skilled hand with the mechanics of a boat engine and working knowledge of common repairs needed is essential to an efficient, correct repair.

Your team of skilled professionals or your independent contractor benefits from a marine repairer insurance program. Insurance protects the business owner in the event a lawsuit is filed resulting in financial loss for the client.

starting a laundry business

What You Should Know Before Starting Your Laundry Business

What You Should Know Before Starting Your Laundry Business

If you are looking for a new business venture, starting a laundry business could be the perfect opportunity for you to take on. However, there are things you need to know before you get started. There are risks involved when you are running this type of business.

What Are the Risks?

Even if you invest in high-quality equipment, it may malfunction at times. You will need to spend money to have the equipment repaired or replaced from time to time. You should also be prepared to spend a lot of money on your utility bills because electricity and water are constantly being used at your facility. These are expenses you should find out about before starting a laundry business.

Are There Ways to Avoid Risks

Some risks may be avoided by purchasing extra coverage for your equipment. If something malfunctions, you could have the piece of equipment repaired or quickly replaced without paying out of pocket for everything. It is something to look into if you would like to save while having a way to deal with potential issues that could arise at any moment. Starting a laundry business is not a bad idea, but you need to know more about the risks that are involved and the types of expenses that you are going to need to take on. When you have more information, you can decide if this is the right business venture for you to get involved in.