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A Short Guide To Bar Insurance

Running a bar is a great way to make a living for the most part. There are certainly worse ways to spend your working hours than serving happy people alcohol and helping them to unwind and have a great night. However, there is also a dark side to running a business that serves alcohol. If you accidentally end up overserving one of your customers and they end up causing property damage or hurting someone, you could be held liable. Luckily, bar insurance can help protect you financially in this situation and others.

What Is Bar Insurance?

Bar insurance is a category of insurance coverage that is designed to address the unique risks faced by bar owners. It can cover things like court costs, medical bills, property damage repair or replacement, and more.

How Much Does Bar Insurance Cost?

Unfortunately, there is no one set price for bar insurance. The price you will end up paying for this type of insurance can vary widely and is impacted by a number of factors that your insurance provider will look at prior to giving you an estimate. Some of these factors are:

  • Your location
  • Your claim history
  • Your coverage needs
  • The size and value of your bar

Running a bar can open you up to a certain amount of risk. Bar insurance can help everything run far more smoothly.

Weighing Out the Options of Loss Sensitive Vs Guaranteed Cost Plans

Picking the best insurance coverage for your company can often prove to be a long and challenging journey. While there are bound to be plenty of obstacles that you encounter along the way, there are also just as many solutions available to you. For example, you may want to take a closer look at your current coverage related to workers’ compensation. Though the traditional plan might seem like the best fit, there are a few alternatives that are worth your attention. 

Find the Right Fit

One of the main points to focus on when selecting this type of insurance is whether or not you will require a loss sensitive vs guaranteed cost plan. The guaranteed-cost arrangement of workers’ compensation is the most common. In this arrangement, the business owner pays a premium no matter what the losses look like. With loss-sensitive plans, conversely, business owners are given the chance to see insurance rates that reflect their own losses. Other points to review in advance can include: 

  • Financial security in form of collateral
  • High-deductible policies that aggregate collateral
  • Unpredictable claim reimbursements 

Review the Options

Getting the most out of your insurance plan begins with finding the right solution for your biggest concerns. Take time to review your options with workers’ compensation to discover an ideal fit for your future.

What Parents Need To Know About Getting Their Teen Driver Comprehensive Car Insurance

If you’re a parent searching for car insurance for your teen driver, you may be wondering what types of coverage and provisions you should be looking for. Securing the right teen car insurance policy for your child is essential for his or her protection. Fortunately, there are a few straightforward facts that can help point you towards the best policy for your teen.

Ensure You Secure Comprehensive Coverage for All Eventualities

One of the best ways you can protect your teen with car insurance is to find a comprehensive policy. For instance, you may wish to purchase:

  • Property damage liability coverage
  • Collision coverage
  • Bodily injury liability coverage
  • Uninsured motorist coverage
  • Personal injury coverage

Ask Your Insurance Agent About Teen-Specific Offers or Provisions

In some cases, you may be able to get unique offers, provisions or discounts for your teen driver. Ask your agent about:

  • Discounts for good grades
  • Deals or discounts when bundling the teen’s policy with other family policies
  • Different rates for deductibles based on the driver’s age

If your child has recently started to drive, securing appropriate teen car insurance is essential. By making sure you secure comprehensive coverage and searching for teen-specific offers or provisions, you can help ensure that your teen is covered and protected while on the road.

Protecting Your Home From Heavy Rains: What To Do Before the Storm Hits

You can’t control nature, but you can take charge of how you respond to the threats it poses. In fact, the actions you take before bad weather hits can make the difference in whether or not your home is damaged, destroyed, or unharmed. Here are a few things you can do before bad weather hits to help boost home protection against heavy rains.

Elevate Vulnerable Items

Basements and crawl spaces are particularly vulnerable to flooding. This is where you want to start when it comes to getting things up off the ground. Look at valuable and sensitive items first. Elevate safes, electronics, and appliances so they are at least a foot above the floor. 

Inspect Home Systems

Do an inspection of your home well before the weather hits. This will help identify any potential weak points so you can fix them before it is too late. It is a good idea to check:

  • Gutters and downspouts
  • Roofing and siding
  • Sump pumps
  • Window and door seals

You may not be able to protect your home from every storm that blows through. However, the right insurance policy can help you repair any damage that does happen, or rebuild if your home is completely destroyed. Be sure to share your concerns about storm damage with your insurance agent to ensure you have the right coverage. 

New Parents Should Have Life Insurance

Few things in life have the combination of excitement and stress that becoming a first-time parent does. It’s exciting to have a new member of the family who is so cute and cuddly. But you now also have a couple of decades of raising and caring for your child. There are so many things to be concerned with and you haven’t been down that road yet. One thing that you may not think of is life insurance.

What You Should Have Life Insurance

Though they may be young and healthy, there are advantages to life insurance for new parents. Buying a policy while in your 20s and in good health will mean lower premiums. You can lock in a policy with excellent coverage at an affordable rate.

Even the healthiest of people can have an accident or unexpectedly pass on. You want to make sure your child will be provided for financially. A life insurance policy will give you that peace of mind.

Even if you have a life insurance policy through your job, its benefits may be limited. Children need many things to grow up healthy and have a supplement to your existing insurance and help provide all that they will need should something happen to you or your spouse.

It’s exciting to become a parent but it’s a huge responsibility. You can help protect your child’s future with a life insurance policy.

How To Qualify for Life Insurance

Life insurance can feel intimidating for many people, to the point that they put off obtaining it for their families. Don’t let your questions or fear of not qualifying for coverage keep you from finding a plan that meets your needs. You will be surprised to discover that life insurance requirements are often simple to understand and easy to complete.

Qualifications

Each company and policy for life insurance can vary, but fulfilling the requests of the insurance entity will be fairly simple. Expect agencies to need your age, weight, a brief medical history, occupation, medications, drug and alcohol use, and financial information to process a life insurance policy. Sometimes you may have to go a step further and complete a physical exam as laid out by the company. 

Additional Requests

After providing information to the initial requests, you may be asked to provide further detail or more in-depth physical exams to complete your policy. Don’t be intimidated by any extra information that might be needed. The company uses this information to help get the best premium rates for your plan. If you want to make sure you have a premium rate you can afford, consider asking your life insurance agent if there are changes you can make to your lifestyle to get the policy your family needs.

Answering health-related questions can feel vulnerable and tedious, but it’s worth your time and effort. Having quality life insurance coverage will protect the ones you love the most if something were to happen to you.

Top 3 Dangers Facing Professional Painters

Professional painters face a myriad of obstacles when meticulously applying paint to give your house that new-home sparkle. Whether they are due to utilizing scaffolding, ladders, paint sprayers, brushes or even the constant bending, lifting and reaching, professional painter hazards are numerous but can be minimized with astute observation and careful planning on the job site.

1. Falls

It’s no wonder falls are one of the biggest hazards for painters. In a 2014 study, the Bureau of Labor Statistics reported 3,470 falls among residential construction workers, including slips and trips that led to injury and/or missed workdays. Whether negotiating ladders, scaffolding or tight spaces, one careless foot placement or piece of shaky equipment could end in catastrophe. 

2. Fumes

Professional painters are at risk of lung and upper respiratory damage and even cancer from working without proper ventilation or utilizing appropriate personal protective equipment. Fumes are particularly worrisome when spraying paint indoors due to the fine particulate matter from most paint sprayers.

3. Fatigue

Being tired at the end of the workday is common for most people. However, professional painters must continue to remain vigilant with safety precautions in order to avoid accidents. In addition, fatigue over time in performing repetitive tasks with poor body ergonomics may cause more chronic overuse conditions in the shoulders and lower back, leading to increased risk of injury and pain.

Although working as a professional painter has significant safety hazards, a large portion of these risks can be mitigated through careful attention and effort to create a safe work environment. 

Protecting Your Projects From Start to Finish

Builders and construction companies know that their clients, big and small, rely on them to manage and deliver projects from the award of bid to owner acceptance at completion. Many people understand that project scope, budget, schedule, safety and quality are generally the major benchmarks when it comes to assessing progress. As the contractor or construction manager, you’re responsible for the project’s success and there are plenty of tools and best practices for managing the aforementioned benchmarks. Are you covered if something happens to your project or the equipment during construction?

What is Builders Risk Insurance?

When you’re working on a project, the contractor assumes ownership of the project until it’s complete in accordance with the mutually agreed upon contract. A builders risk policy offers these benefits to your business:

  • Protects buildings and other facilities from damages due to fire, smoke, explosions and specific weather events
  • Covers theft or vandalism of equipment and materials
  • Can be extended to cover project delays and schedule extensions

You own the project until it’s complete, so having this plan in place helps lower your risks involving the unknown and external forces. Some clients require their contractors to have this policy in place before starting the work.

What It Isn’t

Builders risk insurance should not be confused with general liability, professional liability or workers’ compensation. Respectively, those plans impact third-party injuries or property damage, negligence or defects in work product and injuries or illnesses experienced by workers while on the job. Find an insurer who can help you put together a complete plan.

What Hotels Can Start Doing To Increase Guest Satisfaction Levels

Has your hotel been searching for top hotel guest satisfaction tips? Keeping your guests happy is one of the best ways to help ensure repeat business, so it’s important to make necessary changes that can improve satisfaction rates. Here are some top ideas you could potentially implement straightaway.

Offer Guests Exclusive Perks and Start a Loyalty Program

One simple way to boost guest satisfaction is to offer key perks for loyal customers. Having a loyalty program can encourage repeat business while sweetening the pot for your customers. You may wish to:

  • Provide small perks that add up based on the number of times guests stay at your hotel
  • Offer discounts at the hotel restaurant or bar for loyal guests
  • Allow guests to personalize their experience by offering special room upgrades

Make Your Hotel’s Website Easy To Navigate

If you don’t already have an easy-to-navigate website, you could be unintentionally leaving your customers frustrated before, during or after each visit. Make sure to:

  • Make online booking or cancellations simple
  • Provide other services, such as room service, through an online portal
  • Allow guests to chat with hotel staff and get important questions answered
  • Keep information about your hotel as up-to-date as possible

If your hotel has experienced lower-than-ideal rates of guest satisfaction lately, these hotel guest satisfaction tips could help get you back on the right track. Consider offering perks, starting a loyalty program and improving your website to get started.

Manage Construction Risks

Protect Your Real Estate Business

As a real estate agent, you’ve give up nights, weekends and holidays to stage homes, hold open houses and hold the hands of nervous buyers. Don’t let all those sacrifices go to waste. Plan for the most common risks you face at work and mitigate your real estate risk exposures with the proper insurance coverage.

Maintain Proper Auto Coverage

There’s not much you can do to lessen your risk of a car accident if you’re already a safe driver. As an insurance agent, however, make sure you have the proper auto coverage. You spend long hours in your car. You may even drive clients to viewings. Personal auto coverage won’t cover your accident repairs and medical bills if you’re driving for work. Make sure you have business coverage to protect your financial health.

Reduce Accident and Injury Risk

On the other hand, you can control other risks. Open houses and private showings each involve risks of accident or injury. Stage homes carefully, making sure that carpet and rugs are secure and don’t pose a trip risk. Make sure there’s enough room for people to circulate. Whether it’s you with just a couple or you have a full house of potential buyers, do your best to keep everyone within eyeshot. Enlist coworkers if necessary.

Take care of your customers and your insurance will take care of you.