Choosing a Honeymoon Location

american risk insurance

Your honeymoon will be memorable no matter what location you choose, but remember that it is a decision that you should make with your partner. As a married couple you will be making decisions together your entire lives. Make this first decision one that works for both of you.

Exotic and Faraway

Choosing a different state or even another country might be ideal for you. Think about what kind of atmosphere that the two of you will be craving after your wedding.

Resorts even within the United States are a popular option for honeymooners. Not only are they often all-inclusive (alcohol, food and hotel prices bundled), but you know that they are safe if they are covered by American Risk Insurance. Pick a country on the map that you both have always wanted to travel to. Start your married life together immersed in another culture.

Close to Home

Not everyone has a spirit that is so adventurous. Sticking nearby is what works best for some couples.

Find a local bed and breakfast to spend a few nights. These are cozy and romantic, setting the mood for you and your spouse. American Risk Insurance covers smaller establishments like these too, so you know you are protected.

Choose a hotel in the city and spend your honeymoon being a local tourist. Visit attractions native to your area that you’ve never been to.

Make your honeymoon a place that fits you as a couple. It is often the first vacation that married couples take together, so make it count!

Four Key Insurance Coverages For Construction Companies

Construction Insurance in Wayne

Are you looking for construction insurance in Wayne, NJ?

If you’ve found it challenging to determine the coverages you need, here are four of the key insurance options that you should be sure to include in your policy.

General Liability

General liability insurance is broad coverage in case a third party suffers bodily injury or property damage because of your business. If a lawsuit is filed against you, your policy will cover the legal fees and any other expenses for which you’re liable.

Professional Liability

Professional liability is for construction companies who are also designers. If your client files a lawsuit claiming that your design didn’t meet their expectations or includes errors, your policy will cover the cost of any legal fees associated with the case.

Pollution Liability

Pollution liability insurance covers you in case a lawsuit is filed against you because your construction activities lead to pollution that caused harm to a third party or their property. Your policy can also be used to purchase items to help mitigate pollution.

Workers’ Compensation

Unlike many other industries, workers’ compensation is a requirement for construction companies. Your policy should cover your employees and any subcontractors you may work with as well.

Plenty of other insurance options exist to keep you covered against the many risks that are inherent to the construction industry. Work with an agent who’s experienced in construction insurance in Wayne, NJ to create the policy that’s perfect for you.

What You Should Know About Production Insurance

film production insurance

If you have any experience with film production, you know that there are a lot of risks involved. Whether on-site or in a studio, many factors are at play and something can go wrong at any time. As a result, it’s essential that you carry an adequate amount of film production insurance. Below are the key concepts you should understand about production insurance.

What Is It?

Production insurance is the term used for coverage that’s intended to protect film production companies or film-related projects from liability claims and other potential losses. Each state has its own insurance requirements, so filmmakers and their staff need to make sure their coverages meet their guidelines.

What Does It Cover?

There are a number of options available to cover your company, employees, owned or rented property and any third parties who may be impacted by your production activities. Some of these include:

  • General Liability
  • Errors & Omissions
  • Property
  • Workers’ Compensation

How Long Does It Last?

There are options for short-term, long-term and annual coverage. Short-term options are for those who want to be covered on a project-by-project basis. They can cover as little as one day of production. Long-term policies are for filmmakers who have multiple projects lined up over a specified period of time. Annual policies are better for active production companies who shoot at least four projects a year.

Finding the right mix of coverages can be challenging on your own. Work with an agent who’s experienced with film production insurance to craft a policy that meets your needs.

Insuring Your Parking Operations

valet insurance

Adding valet parking to your hotel or restaurant business can be a sure way to edge out the competition when it comes to amenities. However, as much as your customers would like it, the liabilities that come with the option aren’t so attractive. If you are considering adding a parking service, check out the cost and coverage of valet insurance first.

When people hand over their keys to the valet attendant, they assume their vehicle will return in the same condition it was when it drove away. There is a reasonable expectation that the staff has been trained to take precautions and treat a car accordingly. As the attendants strive for fast and efficient service, accidents can happen.
Accidental damage to your car could include:

  • Scratches
  • Dents
  • Dings
  • Broken tail or headlights
  • Damage resulting from a more serious accident

By having a valet insurance policy, your responsibility as the damaging company is secured. Even though it may have been an employee’s actions, the customer can hold your company liable. An insurance policy will have the financial assistance for damage repairs, legal issues and medical costs if injuries were involved. It’s a best practice to speak with a broker specializing in valet insurance to make sure your company will have the coverage it needs.

Why You Should Bundle Commercial Coverage

commercial package insurance

If you have spent any time watching television, then you have probably heard plenty of insurance commercials mention “bundling” different coverages. It may be a confusing term for those who have never heard of this option. Luckily, the basics are pretty simple. Instead of purchasing each policy individually, you purchase lines in one package. This can include home and auto for individuals. Essentially, you pay for both of these lines under one payment. Individuals may have no need to include so many lines in their bundle. However, commercial package insurance includes a few different lines.

What Does a Commercial Package Cover?

A commercial package typically includes the standard general liability and property coverage. These are essential for any business. You may also chose to include other protections like commercial auto, crime, equipment breakdown or inland marine. With commercial package insurance, a small to medium-sized business can cover most if not all of their risks. Keep in mind that this option usually does not cover workers’ compensation or professional liability.

Why Go With This Option?

The primary reason for bundling coverage is the price. Many companies offer reduced rates if you attain a package as opposed to paying for each line separately. It also saves you the hassle of dealing with multiple agencies. Inquire with an agency today on how you can get the best coverage.

Master the Search for a Marine Insurance Company

New York marine insurance company

Many different companies seek out marine insurance. Marine insurance covers cargo, terminals, ports and the ships themselves. This coverage is important to cover any damage to a ship and protects the owner in terms of liability. Of course, when it comes to finding the right New York marine insurance company, you have to do your research.

What Type of Coverage Do You Need?

If you aren’t sure before you start the search, that’s okay. You can find out as you go and many insurance providers will help you decide which is best. Here are some of the coverages you need to consider:

  • Protection to damages of cargo
  • Protection to injuries of anyone on the vessel
  • Protection to damages to infrastructure

This is not a complete list, of course. There are many different coverages available.

How Much Do You Know About Marine Insurance?

You may want to ask yourself how much you need to rely on the information from your New York marine insurance company. You may need a company that is more hands-on and informative if this is your first time purchasing insurance. Even if it isn’t, it helps to have a company that is there to answer your questions and calls when necessary.

To purchase marine insurance is important for your business. Since you need coverage that protects you, you want to make sure you’re getting the best from the company.

The Best Coverage for Hospitality Businesses

hospitality insurance programs

Establishments in the hospitality business Are responsible for accommodating and serving Hundreds even possibly thousands of guests each year. While those in the hospitality business must make several considerations similar to those and other businesses, a specialized Insurance plan can provide just the right amount of coverage in all the necessary areas on which these types of businesses must focus.

Types of Hospitality Businesses

When shopping for hospitality insurance programs, it’s important to understand what type of businesses fall under this industry. Some examples of these types of businesses include:

  • Accommodations for tourism
  • Lodging
  • Special events
  • Transportation services
  • Entertainment

Safeguards Needed

Given the nature of these types of services, there Certain exposures for which hospitality insurance programs are essential. Some of these areas include:

  • Liability claims
  • Business property
  • Financial support due to natural disasters or other interruptions
  • Liquor liability
  • Completed operations and products
  • Assault and battery

Regardless if the business is a small-scale club, top-rated resort or a fully-booked entertainment venue, it is important that all areas are examined when speaking to an agent about hospitality insurance programs. Enlisting the help of a specialist in this field can help guarantee the proper plan is put in place to keep hospitality establishments, their employees and their clients confident safe, happy and protected.

Insuring a Small Business

BOP insurance policy

Each business venture is faced with a set of risks and exposures that could create serious financial strain in the event of an accident or incident. For this reason, many companies choose to carry commercial liability insurance. However, some small businesses feel they are immune to these situations or do not feel comfortable spending the money for comprehensive coverage. A business owners policy, more commonly known as a BOP insurance policy, is the solution for the small to mid-sized business.

This policy is a combination of a commercial general liability and commercial property policy. One of the prime benefits of choosing a dual-duty policy is cost. It is more affordable to have these services bundled. A combination policy will offer the same coverage as the other two separately, protecting a business from:

  • Property investments like building, furniture, inventory or signage
  • Loss of accounts receivable
  • Destruction, relocation or storage of important documents and papers
  • General liability in the event of customer/client harm
  • Legal defense costs in the event of a lawsuit
  • Loss of income assistance related to incident or damage

A BOP insurance policy offers the same limits and deductibles as other commercial policies, but if your business has special risks, there may still be a gap in coverage. With a BOP, there is still flexibility to add secondary coverage options without breaking the bank.

Medicare and Home Health Care

is home health care covered by Medicare

Sixty years ago, less than 10 percent of the American population was older than the age of 65. That share is projected to double by the year 2050. One of the natural by-products of the so-called “graying of America” is an explosion in the need for specialized medical services, but is home health care covered by Medicare?

With the costs of health care increasing each year, it is vitally important that patients and families understand just what is covered, and what is not.

What Medicare Covers

Medicare provide coverage for home health care for up to eight hours a day and no more than 28 hours per week. Certain medical supplies and counseling services area also covered, as well as occupational, physical and speech therapy. Medicare does not generally cover home custodial services, prescription drugs, meal delivery or 24-hour home care.

Conditions of Coverage

Medicare provides coverage only if four conditions are met:

  • A physician certifies that the patient is home bound and requires intermittent skilled nursing
  • A patient needs help from special equipment or other persons to leave the home or leaving home would be harmful to his health
  • Care is received from a Medicare-approved agency
  • A patient receives skilled care and/or skilled therapy

Is home health care covered by Medicare? In many cases, the answer is “yes,” but it is important to understand the guidelines and limitations.

Protections Under Comprehensive Hospice Insurance

hospice liability coverage

Agencies that provide hospice care offer an array of services for patients at the end of life, as well as support services for their loved ones. Whether the agency is providing direct care, responsible for recruiting and recommending qualified staff, advising a patient or providing the tools and coaching for family or caretakers, having hospice liability coverage in place is a necessary safeguard that ensures the smooth operation of these types of facilities.

Common Issues Faced by Hospice Agencies

The goal for hospice agencies is to provide the highest-quality experience and care to patients. Having insurance allows employees to be more confident and allows agencies to concentrate resources on patient care instead of conflicts that may arise in this type of setting such as the following:

  • General liability for incidents occurring on agency property
  • Issues with employee treatment and conduct
  • Security or data breaches compromising private information
  • Coverage for vehicles used for agency business
  • Disputes over quality and accuracy of services provided
  • Irregularities with Medicare audits and billing

Take Action Today

Having to manage disputes can be time-consuming, stressful and costly. With the hospice liability coverage or a comprehensive plan, agencies can better shift focus on what matters – keeping patients well-cared for and as comfortable as possible in their final days.