Why You Need Maritime Insurance for Your Business

As an employer in the maritime industry, you know that protecting your employees is essential every single day. Without them, you wouldn’t be able to run your company or meet the demands of your clients. To fully protect them and your company, you need to invest in the right type of maritime insurance.

What You Need in a Policy

The right type of insurance policy for your maritime business should provide enough liability protection to keep you from ruining your operating budget in the event of an accident. It should also protect your employees whether they’re on your vessel or working on someone else’s property.

This means you’ll need to choose a dedicated maritime employer’s liability policy to fully protect your operation. If an employee gets injured on the job or damages property in the course of their duties, the liability coverage will help pay for the cost of any resulting lawsuits and settlements.

What Happens Without Coverage?

Though maritime insurance isn’t something you’re legally required to have, it’s always in your best interest. Without the coverage, you risk paying high out-of-pocket legal fees and settlement amounts. Depending on the severity of the suit, those payments could disrupt your budget or force you to close up for good.

Invest in maritime insurance as soon as you can. Once you have the policy, you’ll be able to avoid those high out-of-pocket costs.

Understanding the Basics of Gas Station Liability in Connecticut

Owning and running a gas station in Connecticut is a complex endeavor. There are so many different factors that you have to deal with everyday. Knowing the potential damages and liabilities to any or all of those variables are covered by your insurance is key to safely conducting your work. Here is some quick information for anyone looking for a comprehensive CT gas station insurance policy for his or her business.


There are plenty of items and services involved in the gas station industry that need to be covered by insurance because of the potential liability they could cause to you and your business. This includes your building and other infrastructure, your employees, potential crime and more. Gas is of course flammable, which makes it all the more important for you to cover all of the possible liabilities that you can in the unfortunate event of a fire.


While all gas stations share at least one service in common, they differ vastly in their amenities. Some stations are known for their large bathrooms and showers while others are renowned for their corn dogs and mini pizzas. No matter what your store offers to its customers, you want to make sure that your coverage matches those unique, potential liabilities in the event of any problems.

Insuring your gas station is important. Knowing that you have the best coverage possible relieves stress so you can focus on running your business.

Who Needs Insurance for Liquor Liability?

No matter what type of business you own, if you sell or serve alcoholic beverages or allow liquor to be served on your property, you could face some serious legal ramifications if injuries occur. Whether guests get into a fight while intoxicated and someone is hurt, or tipsy patrons damage someone’s property, you could be held liable. To protect your business from lawsuits involving drunk or disorderly guest’s actions, you should consider either host liquor liability insurance or liquor liability insurance.

Business Liability

Hundreds of billions of dollars in medical care and property damage settlements are related to alcohol cases each year. Some alcohol-related service industries need insurance protection, but any business that serves, distributes, or manufactures the products should purchase a liquor liability policy for protection that can include:

  • Business assets
  • Legal expenses
  • Settlement costs

Host Liability

For those business owners that allow alcohol to be served on their property by other individuals, host liquor liability insurance is the answer. Protection can include social gatherings when alcohol is supplied, but guests do not pay for it. Covered events can include:

  • Restaurants that allow patrons to bring in alcohol
  • Wedding event building owners
  • Tailgate stadium authorized events

Call Today

If you have questions about liquor liability insurance, call your agent today for a quote. The sooner you begin coverage, the less you will have to worry about it.

Insurance for Independent Electricians

Insurance is important for any business, but when you work for yourself it’s literally your best protection against misfortune, injury, or professional loss. You need coverage that takes care of your tools, your health, and your liability in the event of errors that result in losses to your customers or others. No one likes to think about it, but everyone makes mistakes sometimes, and that’s what insurance is there for. Sometimes, it’s not even something you can control, it’s just a result of circumstances on that job, so you need a provider who settles claims quickly to keep customers content with your service.

More Than Just Professional Liability

While protecting your customers is important, you also need equipment and vehicle coverage for your operation. What kind? It depends on whether you own your vehicle and the business uses it or vice versa. This is just one of the issues that have to be configured for comprehensive self employed electrician insurance that works for you. Don’t forget coverage for yourself in the event of lost business if you get injured. Your health insurance can take care of your medical bills, but you need additional coverage if you want to make sure you have the funds to get back on your feet and reopen your business after an injury.

Knowing How to Cover Gaps in Your Insurance Coverage

Purchasing an insurance policy may bring you peace of mind, but your liability policy may leave expensive gaps or exclusions. There are coverage limits as well, and resolving an incident could exceed what your insurance policy provides. When this happens, an excess liability or umbrella policy could help make up the difference.

Knowing the Difference

Though the terms are sometimes used interchangeably, there are noted differences between excess insurance vs umbrella coverage. With umbrella policies, the insured is given higher liability limits as well as a broad scope of coverage for the policy itself. Umbrella coverage can usually fill in gaps like coverage territory, such as moving from a national scope to a worldwide application. With an excess liability policy, the insured is provided additional coverage beyond the financial limits established by the underlying policy. However, because the financial limits are extended, the policy may be more restrictive when written.

Paying Attention

Either policy you choose, you need to carefully read through to find out inclusions and exclusions. The policies themselves don’t follow a standard format, making it easier for you to overlook a crucial detail or simply assume a situation is covered.

The distinction between the two policies can become blurred, especially when agents are talking to you about the benefits of carrying additional coverage. With this information, you should have a better understanding of what policy will best cover your liabilities.