Breaking Down Two Basic Liability Coverages

There are many types of liability insurance coverages available on the market to keep you protected against a variety of risks. If you’re a manufacturer, you may be interested in pollution liability. Cyber liability protects you in case of a data breach. Management liability protects the senior-level officers, directors and board members of your company. In this article, we will consider general and professional liability insurance, their similarities and differences.

General Liability

General liability insurance covers instances where a non-employee sustains an injury or property damage because of your business. This can range from a customer falling in your office to their car being dinged up because of a pothole in your parking lot. If the customer chooses to file a lawsuit, your policy will cover any payments including attorneys’ fees, settlements or judgments related to the case.

Professional Liability

Professional liability insurance provides coverage specifically regarding your business output. It’s most widely known as malpractice insurance due to its popularity among healthcare providers. However, other business owners ranging from lawyers and interior designers to manufacturers should also carry professional liability as it protects against lawsuits brought about by third parties who claim that an error on your part led to them experiencing losses. Like general liability, your professional liability policy will pay for all legal fees associated with such a case.

Figuring out which liability coverages you need can be a challenge for new business owners. The key is to work with an experienced agent to ensure that you get the coverages that are right for you.

How To Run a Uniform Rental Service

Supplying businesses with uniforms is a vital part of daily operations, especially for those in the customer service industry. A staff that is well-groomed can leave a lasting impression on the guests they serve, and a significant part of their appearance involves the condition of their uniforms. Some businesses may leave uniform care to individual employees, or perhaps even provide an in-house service. Others, likely those with a higher volume of employees or more meticulous guidelines, might only entrust this task to professional services complete with uniform rental insurance.

Importance of Uniforms

Having a presentable uniform can have a huge impact on the way a business is perceived. Since employees are the firsthand representation of a company, it is important that they look their best. Uniforms that are well cared for can impact a business in many ways. Some of these include:

  • Impressing customers and giving them confidence in your business
  • Creating a professional atmosphere
  • Promoting safety, especially with functional uniforms
  • Uniting staff
  • Helping to create a brand identity

Safeguards for Uniform Rental Services

Because of the heavy responsibility put on uniform rental services, it is very important that these types of businesses protect themselves in case any unforeseen incidents occur. In this line of work, it is expected that uniforms be serviced in a professional timely matter. Misunderstandings or mistakes can result in a loss, with these businesses absorbing the costs. Luckily, with the protection afforded by uniform rental insurance, these businesses can operate more freely knowing that these mishaps are covered.

The Myths of Transportation Liability Insurance

In the past, shippers used to rely on carriers to be liable for freight. Nowadays, contracts make it difficult to tell who is responsible in case of cargo injury, theft or property damage. It is crucial for you to know the myths that surround transportation liability and why you may need a transportation liability insurance program.

All Contracts Cover Everyone

Make sure that you know your contract inside and out. When it comes to insurance, the coverage will not cover every person or every circumstance. It is up to you to find out everything that you can about your coverage and have a full understanding before you commit.

The Shipper Should Be Restrictive on Carrier Methods

If you are a shipper, then you might think that it is better to control the situation and be more restrictive on the carrier methods. The truth is that the more strict you are, the more stringent the legal contract. The more aggressive you are, the more complex and detailed the contract is.

When it comes down to it, you need to know that no two insurance coverages are the same. If you need a transportation liability insurance program, remember to read the details thoroughly and try not to be too restrictive.

Protecting Your Santa Fe Investments With Great Insurance

Santa Fe, New Mexico is a great spot for anyone looking to own a home or business. As one of the oldest towns in North America, it is rich in history and in beauty. Gorgeous landscapes and exciting museums make a hot spot for tourism. Its thriving industries also attract plenty of business opportunities. However, all of these factors mean nothing if you are not protected with the right insurance. Thankfully, Daniels Insurance in Santa Fe has all the right coverages to keep you, your family and your investments protected.

Why Us?

Daniels Insurance has over eight decades of history in New Mexico. This has allowed us to gain the expertise that you need. Our team of experts work hard to create an affordable package that works in your best interest. When you choose Daniels Insurance, you choose a team that strives to build an excellent relationship with you.

A Variety of Services Just For You

We offer an array of programs both personal and commercial. For commercial clients we are happy to offer:

  • General Liability
  • Commercial Auto
  • Commercial Property
  • Cyber
  • Property
  • And Much More

As for individual clients we can provide auto, homeowner and personal umbrella insurance.

Reach out to an agent from Daniels Insurance in Santa Fe to start building your affordable and unique package today!

Connect With Your Insurance Clients Through Social Media

Social media has grown over the past several years to become a leading method of communication and relation between not only individuals but businesses and their clients, as well. Taking advantage of insurance social media marketing can bring in new customers, as social media is involved in purchasing choices for nearly half of internet users. In what ways, though, should you be using social media?

Bring in Branding

It’s important to keep your branding consistent throughout all of your insurance company’s online sources, as well as offline. Custom social media profiles that reflect the look and feel of your business can help bring recognizability and memorability.

Communicate With Clients

While this may seem obvious, as it is social media, it’s important to keep both personal and respectful communication between your business and your clients. You want to be kind and helpful to attract more people to come to you for insurance aid, and showing an interest in the person rather than the customer makes them feel more respected. Don’t just sell things.

Specialize Your SEO


Search Engine Optimization (SEO) is a method of using keywords in order to make your page more likely to appear near the top when people search that keyword. Working with a company to create posts that are SEO friendly can be a vital part of insurance social media marketing, leading more traffic to your page.

Underwriting Boat Insurance Is a Specialized Field

A day out on the boat is one of the best ways to take advantage of the California sunshine, but you do not want to hit the waters under-insured. You must have proper insurance for California boats, especially if you’re boating down into Mexican waters off Baja California. This requires special liability insurance.

Experienced Insurance Company

Boating insurance, especially coverage for crafts navigating off the California coast, is specialized. As such, you want to work with a company that has extensive experience underwriting these policies. For example, the underwriter should

  • Be boaters themselves
  • Have over 50 years boating experience insurance
  • Understand protection in and out of the water

Don’t move forward with a policy if the company cannot boast of this.

Insurance Needs

Boats face special risks, as do their captains and passengers. Your boat may be damaged in its storage area, whether off the water or in the slip, or during transit to and from the water. Other common damages include

  • Accidents
  • Inclement weather
  • Vandalism

Whether you have a fishing, house, pontoon, sail, or speedboat, you need to carry property insurance that will cover

  • Built-in equipment
  • Collisions
  • Hull damage
  • Sails
  • Salvage and other expenses

Don’t hit the water under-insured. It’s never worth heading out to sea or to the lake without full and comprehensive insurance for California boats.

What to Look For in Home Owners Insurance

A home owners insurance policy is one of the most crucial insurance policies. Likewise, it is also one of the most stressful. When looking at home owners insurance in Glen Rock, the choices may be overwhelming. What are you supposed to look for? What sets one insurance provider above another? Here are a few things that you should be on the look for.

Replacement Cost Value

Whenever you research a home owners insurance policy, check out what will happen if there is a fire or other disaster that completely destroys your home. Will the provider cover you for the replacement cost? Not only is your home protected, but you should also make sure that your garages and other structures are also protected.

Asset Coverage

Like your property, your assets need coverage too. In addition, if anyone has an accident on your property and incurs injuries, the policy has to step in to cover extra expenses and damages. You never know when someone may sue.

An insurance professional should be working for you. He or she will be willing to look into your specific situation and come up with a plan that suits your needs. When looking for home insurance in Glen Rock, the important part is to make sure that you’re covered, in case of any emergency.

What You Should Know About Insuring Your Property

You’ve put too much into your property to leave unnecessarily exposed to risks. The money spent on maintaining your landscaping, furniture and fixtures can all go to waste with one unfortunate event. That’s why carrying the right amount of insurance on your property cannot be overstated. If you’re in need of commercial property building insurance in Orlando, here’s what you should expect to include in your policy.

Commercial Property

Commercial property insurance covers your building, equipment, landscaping and furniture. Your policy will cover the cost to repair or replace any items that are lost or damaged due to reasons such as a natural disaster, fire, vandalism or theft. Depending on your policy, you may be eligible to receive payments to cover for revenue you may have missed out on because of the damages or inability to use your property.

General Liability

General liability insurance covers your property against lawsuits resulting from a third party experiencing a loss of some sort on your property. This includes losses related to bodily injury or their property being damaged. Your policy will cover any legal and medical payments related to the case.

Searching for the right commercial property building insurance in Orlando may be time-consuming but it’s well worth it. Work with an agent who understands your needs for help building your perfect policy.

Importance of Specialized Insurance for High Net Worth Clients

When it comes to high net worth insurance, the market is lucrative and growing. If you’re dealing with high net worth clients, then you’re going to need specialized insurance options. This is when you need to look to an insurance company that has options from a variety of carriers. Clients with a high net worth come with certain risks that you might not find with others. Here is why you need to think of specialized coverage when it comes to these clients.

Types of Risk

High net worth insurance companies protect against the special risks that these clients have. One thing that you have to keep in mind is that you’re dealing with larger sums of money than average. High value homes, jets, yachts and expensive collections are some of what they may own and need protection for. In addition, they may have domestic workers that carry their own insurance needs.

Types of Coverages

There are a lot of different coverages offered by high net worth insurance companies. Here are just a few:

  • Excess liability coverage
  • Homeowners’ policies
  • Motorcycle insurance
  • Travel trailer insurance
  • High value home insurance
  • Classic car insurance
  • Watercraft insurance
  • Yacht coverage
  • Excess flood coverage

When it comes to clients with a high net worth, you need to have a specialized coverage in order to properly protect them.

Protections for Office Suppliers

For offices to function, they must turn to special businesses that provide the many services and supplies to keep things running. These businesses may be responsible for transporting large quantities of products, office gadgets or providing the services that allow these offices to stay connected with their clients. This must all be done while ensuring employee and customer needs are met. In a specialized business such as office products suppliers, there is no need to just settle for any general business insurance agency to provide protections. With business-specific coverage offered by reputable agencies, it’s possible to find a plan better suited for these unique needs.

Unique Needs

Office product suppliers require a special set of protections needed while on the job. While they may require many of the basic coverages that all businesses should have, they also have a different combination of needs that need to be met. An insurance agency that specializes in this field may cater to the following types of businesses:

  • Stationery and office supplies sales
  • Paper products dealers
  • Installation of telecommunication equipment
  • Installers and dealers of computer systems
  • Dealers of office machines and furniture

Speaking to a representative of an insurance agency that specializes in coverage for office product suppliers and similar businesses is the first step to ensuring that the right support is received. Whether it’s business insurance, workers compensation or access to information regarding safety and human resources, these agencies can help.