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August marks the beginning of back to school shopping and the last full month of summer. And with fall peeking its head over the horizon, bringing with it the start of cold and flu season, it makes sense that August also marks National Immunization Awareness Month.
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New auto insurance laws affecting protection and premiums have taken effect on November 1, 2009 with other changes coming later in the year. These changes apply to all insurance companies and the policies they provide Wisconsin drivers. We are providing an article with information about how these changes will increase your insurance costs and an explanation of how stacking automobile insurance coverage changes insurance protection. As always, if we can answer any questions or provide more detail, just give us a call or shoot us a note. As an independent agent, we have the flexibility of representing dozens of top rated insurance companies.
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In these cost-conscious days, everyone is trying to save money wherever and whenever they can. It seems that people may especially look to their insurance policies as a place to realize some savings.
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If you have a domestic employee, such as a gardener, housekeeper, or nanny, who drives his or her own auto while working for you, there is a potential for you to incur liability arising from their driving that would not be adequately insured. If your employee negligently causes an accident, you as the employer can be drawn into the lawsuit and held liable. Your employee’s own insurance, if any, will protect you up to its policy limits, but you are on your own after that. And your personal auto policy may not respond to cover the difference. The courts have ruled in different ways on these types of loss situations.
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What do real estate firms, golf courses, law offices, banks, farm owners, contractors, dry cleaners and gas stations have in common? Exposure to environmental or pollution lawsuits. Companies that deal with the transfer and storage of hazardous materials, like waste haulers, or fuel oil distributors all have an obvious need for insurance against environmental hazards. But businesses involved in property sales transactions (banks, realtors, lawyers) can pick up the pollution liability that comes along with the subject property. Many businesses use chemicals and substances that are benign, when confined to intended purposes (golf courses, farms, dry cleaners). But improper storage of these materials, inappropriate use, or run-off (pesticides and herbicides) can lead to environmental damage, personal injury and a lawsuit.
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No matter if your food service establishment is a cafe, deli, diner, or upscale restaurant, all such businesses share certain common risks.
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As winter starts to set in most of us will be spending more time indoors. Now is a good time to review this checklist for safety, comfort, and savings. Around your home...
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See Also: Insurance Company Claim Phone Numbers and Website
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