Lowering Business Insurance

Hospitals generate a large amount of potentially infectious, biohazardous, and hazardous chemical wastes in the form of human tissue, contaminated needles and sharps, soiled linens and dressings,...

We consider hospitals a place where we go to heal and be made well from injury or illness. The best hospitals provide high-quality, professional care for its patients, but always with the risk of...

Many people dream of opening their own “boutique” winery where they can make a few thousand cases of a special red or white and live the bucolic life surrounded by vineyards, where they can play...

The Federal Bureau of Investigation reported there are approximately 1.2 million motor vehicle thefts in the United States annually, with losses estimated at $7.6 billion. Almost 18 percent of...

As a general construction contractor you have your hands full managing complex projects, budgets, and schedules. You don’t want the additional headache of unreliable or disreputable...

Businesses that manufacture chemical products tend to run a higher risk of product liability lawsuits. Of course, if your products have hazardous components or characteristics, the risk exposures...

Fraud can cost the insurance industry billions of dollars each year, which is ultimately passed on to the insured as increased premiums. Insurance fraud can be reported anonymously and easily....

Mercury is the only metal that is liquid at room temperature. In its pure form (often called metallic or elemental), mercury is a shiny, silver-white, odorless liquid. When elemental mercury is...

Thermography is a technology that makes distinctive heat patterns visible to humans by using thermal imaging cameras to capture pictures of emitted infrared energy. The amount of radiation...

A self-insured retention (SIR) is a specified dollar amount in a commercial liability insurance policy that must be paid by the policy holder before the insurance company will respond to a claim. ...

Negligent entrustment involves allowing an employee to use potentially dangerous equipment, such as a motor vehicle, when that person is not qualified or has a history of misusing the equipment. ...

Errors and Omission insurance can make up a large portion of your budget, so it is important to keep costs down by managing your professional risks. This can be done with minimal extra expense...

Business insurance is purchased to protect your business from many types of risks that can cause financial harm or loss. Risks to your business can include injury or property damage that occurs to...

Planning is key to minimizing losses resulting from an emergency at a landfill. Establish procedures that will protect employees during an emergency and, if necessary, help safely evacuate the...

Although landfill operators must screen for hazardous materials, asbestos can inadvertently enter the waste stream in the form of innocuous-looking building materials and other media. Potential...

Gases are a natural byproduct of landfill operations and are generated during the breakdown of organic compounds or released from containers that are delivered for disposal. Methane is the most...

Working in confined spaces is a construction hazard that deserves its own heading. The dangers of confined spaces can include flammable atmospheres, oxygen deficiency, toxic atmospheres,...

Landfills can be active disposal and construction sites undergoing expansion, daily cover placement, excavations, and maintenance activities. Consequently, hazard may include trench collapse,...

Landfill managers are required to screen incoming wastes for hazardous materials. Even so, workers are potentially exposed to numerous hazardous substances such as flammable, corrosive, or...

Throughout the working day large trash collection trucks, bulldozers, compactors, dump trucks, and personal vehicles are delivering, dumping, moving, covering, or compacting trash. Hazards to...

An established wellness program is a win-win situation for both employers and employees. Not only does having one contribute to lower health insurance costs, but it also can create a more...

As businesses struggle to cope with skyrocketing insurance costs, many are looking at ways to self-insure. While self-insuring may not be right for everyone, in some cases it can help a business...

Operating a bar can be filled with excitement and be very profitable. However, a bar can also open you up to civil and criminal charges for the actions of just one customer. The proper insurance...

Let's examine six ways to budget the right amount of insurance coverage for your business, without going broke paying premiums.

After your business suffers a loss that disrupted your operations you need to quickly take action. A few simple steps can get you back in business as quickly as possible.

Small business insurance is a necessity but there are ways to avoid having it cut too far into your net profit. There are thousands of small business insurance companies licensed to provide the...

Ask for recommendations from people who have just sold a home in your area, or call a local real estate office and speak to the manager; ask the manager to recommend an agent who specializes in...

Unless your business is business insurance, business owner's policy's (BOPs) can be confusing. Negotiating the best insurance policy for your small business, home business or big business can be...

An assumption of risk form is a document used in the service industry for when an employee is going to perform services on a client. The assumption of risk form serves as a waiver of liability for...

One of the important aspects to protecting your business is having the right insurance. Having the right insurance coverage is key to making a full recovery in the event of an unforeseen loss....

No matter what type of business you have, you need business insurance. The type of business insurance that your company will need will depend on what state it is located in, what type of business...

Owning and running a business is costly enough. You have to keep your company stocked, staffed and advertised. If you, a co-owner or an employee gets ill or injured, you need insurance to protect...

Businesses can lower costs by finding essential business insurance from the best company at the best price.

Companies can get better business insurance quotes by pricing identical coverage at numerous insurance companies. However, the lowest quote may not be the best. Businesses should consider the...

No matter the size, all businesses face risks that could close the company. Follow these steps to determine if you need coverage.

A fire, natural disaster or event such as a robbery, is devastating to any business and can cause loss of income, investment and property. After such an incident has occurred, it is important to...

Business insurance protects a business from unmanageable risk. Business insurance policies are available to small and medium size businesses that meet certain criteria. If you do not qualify for a...

Purchasing business insurance requires business owners to correctly assess their insurance needs. Time spent gathering information for a business quote before contacting an insurance professional,...

Business insurance protects any sized business from unexpected disaster. Existing policy holders or those purchasing business insurance should read their insurance policy closely to determine if...

Determining how much insurance a business needs is an exercise in risk management. Business owners must acknowledge risks exist, and then determine if those risks are manageable. A business needs...