Breaking Down Business Liability Coverage


What is commercial liability insurance and what does it cover? Those are legitimate questions and ones frequently asked by new business owners. Here’s what you need to know about commercial liability and other key liability coverages for new businesses.

What is Liability Coverage?

As a whole, liability coverages protect your company against lawsuits. They offer payment towards your attorneys’ fees and damages for which you’re found liable. Some even make funds available to pay for items that can help you prevent damages. Here are some basic liability coverages what they provide.
Commercial Liability – as seen on https://www.thayerinnes.com/, it protects against lawsuits from third parties who sustain injury or property damage because of your business.
Professional Liability – protects you against lawsuits from third parties because of an error or failure to meet a contractual agreement.
Employment Practices Liability – protects you against lawsuits from third parties because of what may have been deemed illegal workplace practices.
Directors & Officers Liability – protects the assets of the directors and officers of your company in case a lawsuit is brought against them for actual or alleged wrongful acts.
Pollution Liability – protects you against lawsuits from third parties who become ill or suffer property damage because of pollution from your business.
There are many other liability options available depending on your needs. Be sure to work with an experienced agent to craft a complete policy that’s perfect for you.

House Cleaners: Creating a Great Insurance Portfolio


While everyone enjoys a nice, clean home, some people are hesitant to put their property in the hands of a stranger in order to keep things neat and tidy. If something were to go wrong inside their house, where something is damaged or the cleaner is hurt, they don’t want to be put at a loss for someone they hired. Due to this, many cautious homeowners are going to specifically reach out to services which guarantee a well-built house cleaners insurance portfolio.

Why Do You Need Insurance?

When it comes to any service, there will undoubtedly be accidents, unfortunately. Indeed, even false claims may be made, as well, meaning you want to ensure that your house cleaners service is well protected. While this typically includes the usual policies, such as general and business liability, the specific needs of house cleaners require more, typically specialized for the individual business.
According to http://www.moodyinsurance.com/, due to the variety of types, house cleaners insurance may also need to include more specific policies, including Employee Theft with additional coverage and no conviction clause, as well as Lost Key coverage. Most businesses are unlikely to be affected by these types of problems, but it could be problematic if someone’s house or business keys were lost. Furthermore, many Employee Theft policies are quite limited in their coverage, making them hard to cover without a proper understanding of house cleaners insurance.

Unique Insurance Coverage for Home Health Providers

Manchester Specialty Insurance

Recent years have seen a number of industries grow and shift. One specific area that saw a lot of growth as at-home healthcare. As the current generation begins to grow closer to the age of retirement, medical services like in-home care are increasingly popular. If you run such a business, then you might need to think about finding the best policy coverage for home health insurance providers.

A Growing Industry

As more people receive healthcare at home, the demands of the industry have shifted. Manchester Specialty Insurance recommends revisiting your current coverage and available options to ensure you are protected in the event of a problem. Comprehensive coverage for this type of job includes:

General liability
Worker’s compensation
Regulatory audit coverage
New Challenges

As the challenges facing this industry evolve, so must the companies who provide insurance coverage. Finding a comprehensive plan can help give you a sense of comfort, knowing that you have the protection you require in the event of an unforeseen problem. Reach out to a provider to learn more about the specifics surrounding a particular policy.
When you work as an at-home caregiver, you want to make sure that you have taken out an insurance policy that will help you in the event of an accident. Learn more about your options and discover the perfect coverage.

Obtain the Proper Certificates for Your Vessels


Recent years have seen many policy changes enacted in relation to the environmental impact of businesses. This is especially true when it comes to large vessels tasked with transporting materials like oil across large bodies of water. If you run a business that deals with this type of work, then you definitely need to make sure you have the right coverage in the event of an unforeseen problem. Complying with regulations set forth by the government comes down to having a Certificate of Financial Responsibility and COFR insurance.


There are very strict guidelines controlling which vessels need to have this type of coverage. The information at https://www.wqis.com/ indicates that any vessel transporting oil across a body of water must obtain a certificate and proper insurance. Tonnage does not matter, either. This means all vessels, regardless of size, must comply in order to meet the requirements. The only exceptions to this are:

Self-propelled barges
Public vessels
Getting Started

As long as the vessels you are using are carrying oil, you absolutely must obtain a certificate and proper insurance. Fortunately, getting the proper documentation for your vessel is a very straightforward process. The application does not take long and you can get the ball rolling in no time at all.
Adhering to government regulations is crucial for your business. Understand the ins and outs of COFR insurance to know whether it applies to your vessels.

A Policy Designed for Businesses That Interact With the Public


When a business is open to the public, works in public spaces or allows public citizens onto the premises, problems can occur. Fortunately, there is an insurance policy that can keep your business safe, called public liability insurance, or PLI insurance. Source: http://www.usrisk.com/.

How Your Business Benefits From This Insurance

If you own a customer-facing business or one that regularly has visitors from the public sector, you know there are potential risk factors involved. Whether you own a retail store, an office building or perform work off-site, you need a policy that protects your reputation, your business, and your employees. The three main areas this policy benefits your business are as follows:
Damage to personal property: If someone’s property, such as a vehicle, is damaged in the process of you performing your work, PLI can help.
Bodily injury: This insurance covers the damages if a visitor to your business is injured, such as slipping on wet floors.
Legal expenses: This policy helps cover the legal fees if a member of the public files a claim against you.

Make Sure Your Business Is Protected

Lawsuits can be incredibly damaging when filed by members of the public, but PLI insurance can help your business mitigate that risk. With this insurance policy backing you up, you can ensure your company is taken care of if and when claims of this nature arise so you can rest easy.

Helping Your New Graduate Transition into College Life in Connecticut


Helping Your New Graduate Transition into College Life in Connecticut
After new graduates’ caps and gowns have been stored away and they prepare to be launched from their homes, there are many preparations that must be made to ensure they transition smoothly into adulthood. If you have a student getting ready to take that next step into college life in Connecticut, it is important to be proactive in order to make their next chapter fulfilling and successful. Providing practical guidance and laying the right foundation can help your child to better enjoy the many benefits that college life has to offer.

Setting the Stage

While some students may simply need to learn from trial and error, others may have the privilege of having someone to guide them in the right direction. Teaching your adult child some simple skills during this transition period are ones that can be applied even through adulthood. Some important lessons from which your prospective college student may benefit include the following:
Going to https://www.byrnesagency.com/personal-insurance-connecticut/renters-insurance-for-college-students/ to learn about student renters insurance
How to establish and build credit
Building healthy social networks
Practicing good financial budgeting habits
Work-life balance

Even though young adults must go through these types of challenges firsthand to fully understand them, providing guidance for them can be considered an unforgettable, valuable gift.

Improving the Transition Period for Return-to-Work Programs

rtw insurance

When an employee has missed a chunk of work due to injury or medical attention, he or she may experience difficulties getting back into the flow of things. Studies have shown that it can take a bit of time for an employee to transition back into his or her position. As an employer, you want to make sure you help your team in whatever way you can. One useful method to explore to assist employees returning to the job is RTW insurance.
This type of policy centers around return-to-work programs and aims to make the transition easier for both employee and employer. This coverage can prove invaluable in certain circumstances.

Rediscover Job Duties

After an employee has been away from the job for long enough, he or she might not be able to jump right back into the swing of things. Rediscovering a normal workflow takes time, but you don’t want your business to suffer because of it. Return-to-work programs are structured to reacquaint employees with their job descriptions and provide the knowledge and tools required to perform optimally once more.

Advantages of Return-to-Work Programs

There are several benefits to consider with RTW insurance. Benefits of coverage can include:

Lower workers’ compensation costs for the employer
Strengthened trust between employer and employee
Improved communication for all parties

Helping employees transition back to their jobs can be difficult. Explore your options with return-to-work programs to make the process easier for everyone.

Is a COFR Necessary for all Vessels?


For vessels over 300 gross tons, COFRs are mandatory. The COFR is a Certificate of Financial Responsibility. This is to protect you and to protect the environment against oil spills that can cost extensive damages that some vessels do not have the finances to cover. You can fill out the ECOFR application online to ensure that you have the mandatory certificates.

Who Has to Have a COFR?

There are no exceptions to the gross 300-ton rule when it comes to vessels that require the Certificate of Financial Responsibility. If you want to operate within the Exclusive Economic Zone in the US, you have to have one. In addition, if you are lighter than 300 tons and happen to be shipping oil, then you also have to have the COFR. This is to protect US waters from being unable to pay for pollution to the water and to hold vessels responsible.
Do not think that the COFR is something that you can legally get away without having. If you don’t have it, you may be denied entry to your destination. Fortunately, the application form is easy enough. All you have to do is go onto the USCG website and follow the instructions on the application process. You can fill it all out electronically with the ECOFR.

Tips to Consider When Moving Into a Mobile Home

mobile home insurance in ct

A mobile home may be a wonderful option for a retiree in Connecticut – or anyone with a sense of adventure – to choose as a new home. However, there are several things to keep in mind that are unique to living in a mobile home, and here are a couple of tips to consider prior to moving into this type of residence, including obtaining mobile home insurance in CT, for instance.

1. Protect the Home From Damage

Mobile home living may be an attractive idea, especially due to the (typically) relatively low cost of ownership. And depending on the type of mobile home, the ability to travel and take the home along for the ride may be possible. While these options might be exciting, it is incredibly important to remember that a mobile home will need to be properly maintained. The material used to build the home may not be quite as strong as a conventional home, and issues such as devastating storms, for example, may cause significant damage to a trailer. Mobile home insurance in CT can help to provide peace of mind from any consequences of storms and other circumstances.

2. Be Protected From Theft

Just like any other home, mobile homes could be the target of thieves. Because the home will likely contain valuable items, it’s vital to be safeguarded from theft. Mobile home insurance in CT can help keep an owner protected from losses if theft does occur. Life in a trailer can be unique and a fantastic choice for many people. Just remember that having proper protection for the asset is also very important.

Senior Care Companies Need These Three Things to Start

companion care insurance

With the senior population booming, there has never been a better time to start a senior care business. Not all seniors need medical care, but many need additional services to help them remain at home. In addition to companion care insurance, here are some things to consider before starting a senior care business.


Many senior care businesses offer similar services related to Activities of Daily Living. Light housekeeping, bathing, meal preparation, dressing, and medication reminders are some common ADL services. Some seniors may need transportation assistance as well. Consider the services you plan to provide.


How much do you plan to charge the clients? Look around for local prices to determine where your pricing should be. Many services are not covered by Medicare requiring clients to pay out of pocket or with Long Term Care Insurance.


Since the employees work in the homes of the clients, you want to be sure to hire quality employees and conduct background checks. Thoroughly screening your employees can help lower your risks. Employees should be comfortable working around seniors, be compassionate, reliable and friendly to better meet the needs of your clients.
Caring for seniors can be a great business opportunity. Companion care insurance protects your financial assets and covers your liabilities. Insurance is a necessary part of your risk management plan even though you do not offer medical services.