Boat and Yacht Club Insurance Concerns

recreational marine insurance programs

The key to finding the right coverage is identifying the needs of a boat club and proceeding from there.Recreational boating is not without its risks, which is why recreational marine insurance programs are so important for boat and yacht clubs. Covering property damages at a club is an important part of recouping the costs of repairs and replacement parts. Some property coverages offered in marine insurance programs include exhibition locations, piers, wharves, docks and owned watercraft, such as boats visitors can rent.

Liability coverage is also an important kind of insurance for a yacht club to have. This can cover scenarios relating to pollution, bumbershoot, ship repairs and general liability. While a yacht club should do everything possible to limit these risks, since accidents can and do happen, liability insurance is a must.

Recreational marine insurance programs can also protect workers at a recreational facility. Employee coverage can include worker’s compensation and coverages required by local, state and federal laws. Protecting employees is just as important as protecting the property they work on as both contribute to the atmosphere of the club.

A recreational marine facility, such as a boat or yacht club, needs insurance to cover unexpected accidents. This coverage should look at property damages, liability and employee safety. The key to finding the right coverage is identifying the needs of a boat club and proceeding from there.

Malpractice Insurance in the Healthcare Profession

When a malpractice suit is filed many attorneys name everyone involved in the care given to their client. HPSO malpractice insurance is available to healthcare providers in a large number of professions to aid in protecting against financial loss.

What Malpractice Insurance Covers

Malpractice insurance is designed to protect the insured against liability for bodily or personal injury that may result from services that were performed. This protection extends to work done outside a traditional business environment, such as providing care in the home or working as a volunteer.

Who Can Malpractice Insurance Cover

Those working for healthcare facilities and agencies often depend on malpractice coverage provided by the employer but may opt to purchase additional HPSO malpractice insurance of their own. Providers who are self-employed should not neglect this important facet of financial planning. Students and volunteers are also eligible to purchase malpractice insurance.

What Professions Can Be Covered

While it may be common to think of malpractice insurance as a safeguard necessary for doctors and nurses, these are some of the many other professions that qualify for the protection:

• Psychologists
• Dentists and dental hygienists
• Optometrists

Protecting the investment you’ve made in your career is vital in today’s contentious legal environment. HPSO malpractice insurance can shield you from the financial impact of a dispute related to the practice of your profession.

Not Having Canine Liability Insurance Can Bite

dog owner liability insurance

Dogs are instilled with many amazing instincts that can prove their loyalty to their owners. Often, they offer companionship and protection. Research has even revealed that a beloved canine can help to reduce stress. Yet owning a dog can have its various challenges. Dogs temperaments can be as diverse as their physical appearances, which presents unpredictability. Many dog owners can trust their beloved friends to behave well under normal circumstances. Nevertheless, under variable situations, dogs can become subject to biting an individual or another animal, causing injury and monetary damages to the victim. This results in the owner having to take financial responsibility for the unfortunate event. It can become very costly to pay for medical bills, and even more expensive if the victim decides to file a lawsuit against the dog owner concerning a dog-biting incident. Having dog owner liability insurance could solve the financial trouble concerning the misfortune. This type of an insurance policy will help to protect a dog owner from becoming financially drained if their canine were to ever injure anyone.

With all of life’s uncertainty, dog owner liability insurance is an investment that can help dog owners have financial security in the case of a dog bite. It can be comforting to pet owners to know that this type of insurance is obtainable and that their money and investments are protected against the unexpected.

Three Home Insurance Options Simplified

There are many available OC insurance options. With many coverage options available, it can be difficult to find the right one for your home. Here is a breakdown of the top three homeowners insurance coverages to help you choose the coverage that’s best for you.

1. Basic Form (HO-1)

A basic homeowners insurance policy that protects against incidents including, but not limited to, fire and smoke, explosions, lightning, vandalism, and theft. It typically does not cover floods and earthquakes, and any items you want covered inside your home must be specified when you purchase your policy.

2. Broad Form (HO-2)

In addition to the incidents covered in HO-1, it also covers damage caused by falling objects, weight of ice, snow or sleet, freezing HVAC systems, accidental water overflow, and more. Broad form usually also covers your belongings and can sometimes your personal liability as well if someone gets hurt in your home.

3. Special Form (HO-3)

It is the most common type of home insurance because of its flexibility and affordability. Your exact coverage is policy-specific and can include coverages for you home, belongings, structures attached to your home as well as personal liability.

Don’t be confused by all the OC insurance options. Use this simple guide to support your research in finding the right policy for your home.

What You Need To Know About PEO Insurance

A professional employer organization operates as a human resources department on an outsourced basis. PEOs are common in small and medium-sized businesses which do not need an HR department on site. Some of the things that a PEO can manage include HR management, administration of benefits, and help when complying with employer-based laws.

PEO Insurance

When you have a PEO, they are often responsible for providing your medical insurance. The advantage of this system is that a PEO usually has dozens of clients, which means the PEO may have hundreds of employees for which the coverage is provided. Many insurance companies offer more attractive rates for PEOs because of the large amount of staff who will be covered by the policy. It is also common for these policies to be of a higher quality for the price paid.

Other Advantages of PEO

While PEO insurance is already an attractive option, PEOs can also provide you with other things your business needs. Having these additional services makes the price of a PEO more reasonable and gives you peace of mind knowing HR problems are handled correctly.

Choosing to bundle insurance from a PEO along with other services can drop your workload and save you money. It is an excellent option for anyone who has a small business.

Is the Liquor Liability Coverage on Your Bar Enough?

bar liquor liability

A DUI can be costly in many ways. A DUI accident may result in serious bodily injury or even death. If a person leaves your establishment intoxicated and causes damage to others or himself/herself, you as a bar owner may be named a responsible party. If this were to occur, is your bar liquor liability insurance sufficient enough to pay for assessed damages?

When looking at insurance for your bar, be sure to do business with a hospitality insurance specialist. These agents will be able to give you the details of what is covered under general liability insurance and what you should add-on to cover special circumstances. In the case of a DUI, victims and their families often assign blame to the last place the impaired driver patronized. If that was your bar, you want a policy that offers investigative services. A thorough investigator may find circumstances that contributed to the accident that had nothing to do with your bar.

A poor decision by one person can change the course of many lives. As a bar owner, you don’t want to be left in a bind because you didn’t have the best bar liquor liability coverage. Be sure you speak with an expert who can offer you an insurance policy that covers you in any situation, even in the most tragic.

How to Select Business Insurance for Your Company

Business owners tend to work hard to make sure their projects succeed, but what about those incidences you don’t see coming? If you’ve invested your time and money into your business, you should consider Delaware business insurance to protect your company’s assets. Your risk profile is going to be unique to your business, which is why you should seek out an experienced firm that can design an insurance policy for your specific business that fits a budget you’re comfortable with.

With today’s access to the web, you’re able to research your options quickly and from the comfort of your home and office to find a reputable insurance firm. You can also consult other local businesses to see if they’re happy with their coverage.
Reviews online gives you access to plenty of real experiences with the insurance firm as well as the types of coverage you may want for your company. It can be good to seek a firm that offers multiple types, as you may require coverage you never knew you needed! This research will also allow you to learn about the different types ahead of time, so you can jump right in once you’ve selected a firm. A reputable Delaware business firm should be knowledgeable of the insurance market and aware of your needs to give you a policy you’re happy with.

What To Do After a Windstorm

If you have windstorm insurance in Florida, you can file a claim any time your home suffers damage after weather events featuring high winds. In order for the insurance to accept your claim and pay you the money you need to make repairs, however, there are a few steps you should follow right after the windstorm.

The first step of filing your claim is gathering evidence. You not only need proof of the damage but also proof that it was caused by heavy winds. It is a good idea to mark down the date of the storm and print out news articles confirming its occurrence. Take pictures of the damage that the storm did to your home, and list all the items that need to be repaired or replaced. After you have documented the damage, get written estimates from at least two contractors on the repairs that need to be done.

Once you have collected all your data, provide it to the claims department of your insurance company and request that a claims adjuster visit your home to assess the damage. Be sure to provide a copy of the estimates given by the contractors, and if possible, have one available during the visit to answer any further questions the adjuster might have.

With windstorm insurance in Florida, you can receive compensation for any repairs you home needs as a result of a windstorm. Receiving these funds, however, includes timely, accurate reporting on your part.

Get Premium Personal Insurance With NorthStar

NorthStar Insurance

From honest, competitive pricing and robust custom coverage options to responsive, no-nonsense service, NorthStar Insurance is among the leading insurance brokers in New England. That’s why families across the region depend on us as their personal insurance advisor and advocate.

Broad Coverage Options You Can Rely On

Our agents understand the catastrophic potential of even a single accident or loss, and will work hard to make certain the coverage you receive is custom-tailored to protect you and your family as well as your assets and valuables. In addition to auto and homeowners insurance, we offer specialized coverage for high-end properties, collectibles and even income protection in case of injury, illness or death.

Competitive Plans Made to Order

NorthStar’s personal lines department includes flexible plans designed to meet your individual needs. Our agents take the time to pinpoint coverage essentials and work hard to ensure competitive rates. Along with home and auto insurance, our product offerings include:

  • Boat, yacht and other watercraft
  • Motorcycles and mobile vehicles
  • Personal jewelry, fine art and collectibles
  • Personal umbrella liability
  • Disability, long term care and life

Your New England Insurance Partner

NorthStar Insurance works with top-tier carriers to provide individuals and families throughout New England with the best coverage options available. Contact us today to learn more about our extensive offerings.

Identifying Risks for Your Commercial Operation

business insurance in Delaware

With so many types of insurance, people buy policies almost habitually, not putting much thought into the coverage they’re purchasing or why it’s necessary. When it comes to business insurance in Delaware, you need to know everything about the coverage you’re getting so you can know whether or not you’re truly covered. Each commercial policy should pertain to the specific risks faced by the company being insured. If you know the vulnerabilities your company faces, it becomes much easier to find a provider who can help you protect yourself from those issues.

For starters, consider the biggest factors; is your company particularly susceptible to inclement weather, or do you have to take extra precautions to keep employees and clients from being injured on the grounds? Many factors are covered under your general liability, but certain details may need to be addressed separately. Issues like vandalism and employee misconduct, cyber liability and business interruption must be fully covered if you want to avoid a massive financial setback. Whenever possible, you want to connect with an agent who has previous experience within your industry, as that person may be able to spot risks you weren’t aware of or had overlooked.

Before you start searching for business insurance in Delaware, you need to be sure you know exactly what you’re looking for.