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Tips To Keep Your Children Safe While Travelling

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Accidents do happen from time to time and even though we sometimes like to believe it only happens to others, unfortunately, this is not the case as it can happen to anyone and much of the time through no fault of our own. Here are a few important things to ensure your family will be safe when traveling.

Keep Your Children Safe While Travelling

Here are the some best tips of keep your children safe while travelling:

1. First and foremost – Children should always use an appropriate car restraint until they are old enough or tall enough to wear a regular seat belt that fits properly across their chest and not around the neck.

2. It is best for newborn babies to use an infant car seat as these are specifically made for small babies to keep them snug, but there are really good brands of convertible car seats that can be safely used for children from newborn to around 40 to 45 pounds. Check that the bottom harness buckle does not fit above the shoulders.

4. Children under 12 should always be seated in the back seat in the appropriate child restraint depending on their age size and weight. For children under 3 years old, it is much safer to position the seat in the center of the back seat.

5. Always choose a convertible car seat that accommodates children in the rear-facing position for as long as possible as this is the safest way for children to travel.

6. A best convertible car seat should also accommodate older children up to 65 pounds or more in front facing position.

7. After children have reached the weight or height limit for a harnessed car seat then they should be OK to use an appropriate booster seat with a regular seat belt and should remain in one until they have reached a size where just the regular seat belt can be used safely which means the belt sits comfortably across their chest and not around their neck.

8. Because car seats have a use by date, it is best to avoid buying a used one unless it has been thoroughly checked by the appropriate authorities.

9. Before using a car seat, read the instruction manual carefully and make doubly sure that it is installed properly and if in doubt again seek the advice of professionals in this field. When properly installed the seat should not be able to move more than one inch in any direction.

10. Install car seats in the back seat whenever possible and certainly not in front of an airbag, as this will cause terrible damage if it is deployed.

11. A 5 point harness is safer than the overhead types and carefully following the instructions on how to use the harness properly is also important. When used properly there should be no or very little slack when pinched and the top buckle should be at armpit level for the most protection.

12. If a car seat has been involved in a previous crash it is best to replace it, as there is a good chance that it has been weakened in places and a second crash may have devastating results.

Note To All Drivers:

Always remember that a vehicle is a lethal weapon that will cause a lot of carnage if not used properly.

So for the safety of you and your passengers always drive with the utmost care and stay focused on your driving and what lays ahead of you. The first lesson I taught my children when learning to drive was – although you may be a really good driver, always watch other drivers carefully and do not assume you have the right of way even if the law says you do.

What are the best home espresso makers for less than $200?

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Espresso is the love of most of you around. The espresso coffee has become the need of an hour. Most of you are coffee enthusiasts and cannot imagine a day without it. Moreover, drinking coffee have several health benefits as well. If you are a coffee lover and love that aroma of espresso then here is the list of best home espresso machine that you will love to install in your home. These machines will serve you the perfect espresso whenever you wish to have it.

Top 5 Best Home Espresso Machines

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Go through is an amazing list of best home espresso machines and get served by the delicious coffee at home. These machines are cheaper than $200 and will not take up much space in your kitchen after installation. Here is the introduction to espresso machines and recommendations.

DeLonghi EC702 15-Bar-Pump Espresso Maker

The machine is built with stainless steel stuff that makes it durable. It is easy to clean and maintain and makes use of ESE pod or coffee grounds. Moreover, it will create a perfect froth mixing the steam and milk through its patented cappuccino system steam wand. The steam and the water are controlled separately through two thermostats which gives the perfect to the coffee. You will love its self-priming operation for the quick start and learn everything about coffee.

KRUPS XP601050 Manual Pump Espresso Machine

It is made up of the full stainless steel body. Even the boiler is made up of stainless steel. A 50-ounce water tank is removable having the front access for the easy level monitoring. The steam wand helps in perfect milk frothing. It makes use of the ESE pod or the coffee ground. Moreover, it includes a tamper and a double-sided coffee scoop to please the espresso lovers.

Capresso EC100 Pump Espresso and Cappuccino Machine

This espresso-cum cappuccino machine by Capresso is building with stainless steel and has got a thermoblock heating system. It has a 46-ounce removable water tank and a swivel steam wand. The light indicators, easy to switch dial for the coffee and steam options makes it easy for you to prepare the coffee in few simple steps.

Cuisinart EM-100 1000-Watt 15-Bar Espresso Maker

Cuisinart has done no wrong with this espresso machine. It is the best home espresso machine in this list. Though it is made up of stainless steel but has some plastic parts as well. It consumes less power and delivers the best coffee to you. The 53-ounce water tank and steam wand for milk frothing are additions to the machine. It makes use of ESE pods or ground coffee. It even includes the tamping tool and frothing cup as well.

DeLonghi ECO310BK 15-Bar-Pump Espresso Machine

This stunning espresso home machine has got dual function filter that makes use of the ground coffee or pods. The start-up time is eliminated with its self-priming operation. The removable water tank and the steam wand are the valuable addition to this espresso maker. It has got separate thermostats for water control and steam pressure. The frothing is done perfectly through patented cappuccino system.

The Last Words

Out of all the machines listed above, Capresso manufactures the best home espresso machine for the selfless coffee lovers. Though all these machines can serve your purpose perfectly, going with the best one in same price range is always a better option. Though De’Longhi can turn out to be its strong competitor, Capresso can serve you with the best coffee you have ever tasted at home. Going with it is a better option, rest the choice is yours.

Apartments – Condominiums – Commercial Buildings – Industrial Buildings – Shopping Centers – Office Buildings

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Rental Property Owners, Real Estate Developers and Property Managers should have an accurate survey of each property they own or that is in their care, including inventories of furnishings and equipment.  At Commercial Insurance Resources we analyze each risk to  establish insurable interest to facilitate and arrange placement of insurance to minimize controversy and confusion if a loss occurs.  Property, General Liability, Business Income (Loss of Rent) and Professional or Errors and Omissions Liability, Workers Compensation are a few of the coverage’s every Property Manager should consider.

Smaller rental properties are generally eligible for a Businessowners Package policy.  It is the most convenient and cost effective way to combine a number of coverage’s in one policy. Larger rental properties if not eligible are written on the Commercial Package Policy (CPP).  The following coverage’s are then bundled together.

Property insurance provides coverage for Your Building(s) or the Building(s) you manage.  Machinery and equipment used to maintain the property manager can be included with the Building coverage.  Property Managers may have an office and need to cover Business Personal Property You own .  Business Personal Property includes furniture and fixtures, machinery and You made to the building if You rent.

Business Income (Loss of Rents) coverage pays for the loss of rent due to a covered cause of loss when the tenant cannot occupy the building or space rented up to one year.

Boiler and Machinery a.k.a. Mechanical Breakdown coverage insures against equipment breakdown that is typically not covered by property insurance policies, warranties and service contracts. Coverage includes losses incurred from the failure of boilers, pressure vessels and a variety of mechanical and electrical equipment.

Commercial General Liability is designed to cover the bodily injury and property damage liability exposures related to operating Your business.  The basic areas covered by the Commercial General Liability include Yourownership or use of the premises You own or rent, coverage for definedContractual Agreements, coverage for Products manufactured, sold or distributed by You. Personal and Advertising Injury Liability of the insured, and Medical Payments coverage.

Most package type policies will automatically include the above coverage’s along with each company’s additional coverage, extension of coverage, or limitation of coverage,  each specific to the respective insurance company.  Many of the additions, extensions, or limitations can be increased to meet Your specific needs.  Some of the additions, extension, or limitation are shown under Optional Coverages.

Real Estate Errors & Omissions insurance is typically purchased to protect a business or individual from claims that are made for services that were not provided and mistakes or errors that were made.

Business Auto Coverage provides coverage is available for;

  1. Scheduled autos
  2. owned autos only
  3. All autos owned, leased or hired by the insured, and autos owned by employees or partners and used on behalf of the insured. The third option provides the broadest protection.

Optional physical damage coverage’s available include Collision and Comprehensive, that applies to loss from any cause except collision or overturn.  Specified Causes of Loss coverage, is a less expensive alternative to comprehensive coverage, and pays for loss caused by Named Perils.

Many Property Owners do not maintain a fleet of vehicles and they and their employees use their personal vehicles in the course of theirProperty Owners business.  Hired and Employers Non-Ownership auto liability is either provided separately on a Business Auto policy provided by endorsement to the General Liability policy.

Workers Compensation provides coverage to your workers injured while performing work on Your behalf.  Workers Compensationincludes Employers Liability, protecting You against claims brought by Third Parties for Your negligence to your injured worker.

Every State has enacted Workers Compensation laws making this coverage mandatory.  Five States, North Dakota, Ohio, Washington West Virginia and Wyoming are monopolistic States.  Workers Compensation insurance is paid to the State.   If you are working in one of the aforementioned States, You still have to provide Employers Liability coverage either through Your workers compensation policy or YourGeneral Liability policy known as Stop Gap Coverage.

Before commencing work in any State, always be aware of that States Workers Compensation laws.

Commercial Umbrella policies provide additional Liability insurance protection over your primary Commercial General Liability, Business Auto and Employers Liability insurance policies.

Optional Coverages to be considered, is not an all inclusive list, but a summary of some of the more common policies or endorsements.

Directors  and Officers Liability Coverage insures corporate directors and officers against claims, usually brought by stockholders, alleging loss due to mismanagement.

Employment Practices Liability coverage is available for the legal costs to defend claims against sexual harassment, wrongful termination and discrimination, and the actual legal liability for such acts.

Ordinance or Law Coverage applies when laws require undamaged portions of a building be torn down.   Coverage includes costs of demolition of the undamaged portion of the building covered and the increased cost of construction required to bring a damaged building up to current code.

Special Events Liability Coverage is available for festivals and similar events.  It should be considered to shield the standard operation’sGeneral Liability limits from being exhausted by a special activity.

Utility Services—Time Element Coverage provides coverage if a covered cause of loss or insured peril damages the off-site utility service provider location and/or power lines forcing a disruption of power to the insured’s operation.

Internet (Cyberspace) Liability offers both first- and third-party cyber coverage as separate coverage parts. First-party coverage is available for extortion, business interruption, loss or damage to a network, extra expense and e-theft. Third-party liability is available for electronic media content, privacy liability and security liability.

Scheduled Property Coverage insures specifically identified and described and a limit of insurance assigned to it. Coverage applies on premises, off premises and in transit.

Employee Theft and Forgery is a modified version of the commercial crime coverage. Most package policies provide a limitation for this coverage.

Outdoor Trees, Shrubs and Plants Coverage is very limited in the standard Commercial Package Policy or the Businessowners Policy in both limits and perils insured.  Your are able to choose an aggregate limit, as well as a per-item limit and insured for the same perils as yourProperty policy.

Flood Coverage applies to direct loss or damage by flood to buildings and their contents on either a replacement cost or an actual cash value basis.

Commercial Insurance Resources is an independent insurance agency, representing many National and Regional Insurance Companies specializing in providing real estate owners the finest coverage needed at an affordable price.  Our success is our ability to continually surpass our client’s expectations.  We only work with companies that maintain an A.M. Best rating of A- or better.  Many factors are considered by A.M. Best when assigning ratings, and one of the most important factors, is the ability of an insurance company to pay claims.   “A” rated companies have a greater ability to pay claims in the future due to policyholder reserves, overall pricing of insurance, investments and profit or loss.

Family Dining Restaurant – Fine Dining Restaurant – Bakeries Cafes – Brew Pubs – Micro-brewery – Coffee Shops – Fast Food Pizzerias – Deli – Catering

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Eating and drinking establishments have very high insurance needs in three separate areas.  At Commercial Insurance Resources we analyze each Restaurant, Café, Pizzeria with a specific risk survey.  Property coverage for physical damage to equipment, furnishings, building and supplies is the first item to analyze.  The second is General Liability coverage to protect You from customers slips, trips and falls on Your premises, and Products Liability coverage due to contaminated food.  Restaurantsthat sell or serve liquor or other alcoholic beverages may also need Liquor Legal Liability coverage.  The third area is Workers Compensation for employee injuries.  In our increasing mobile society, food delivery has become very common.  Most restaurants have employee’s delivering meals using their own vehicles.  This is the fourth area of concern, Employers Non-Ownership Auto Liability.  Today many carriers insure Eating and Drinking Establishments with a Businessowners policy packaging Property, Business Income, Crime and General Liability all in one package.

Property insurance provides coverage for Your Building and the Business Personal Property owner.   Most restaurants have extensive Property values that need insurance protection particularly dining room decorations.  Many restaurants do not own their building, but have invested considerable money in permanent Improvements and Betterments.

Business Income coverage pays for the loss of income for the business and continuing expenses even if the doors are not open, including employee salaries due to a covered cause of loss at the insured’s premises.

Boiler and Machinery a.k.a. Mechanical Breakdown coverage insures against equipment breakdown that is typically not covered by property insurance policies, warranties and service contracts. Coverage includes losses incurred from the failure of boilers, pressure vessels and a variety of mechanical and electrical equipment.

Employee Theft and Forgery is a modified version of the commercial crime coverage. Most package policies provide a limitation for this coverage.

Commercial General Liability is designed to cover the bodily injury and property damage liability exposures related to operatingYour business.  The basic areas covered by the Commercial General Liability include the Your ownership or use of Your premises your own or rent, coverage for defined Contractual Agreements, coverage for the food Products due to contamination, Personal and Advertising InjuryLiability of the insured, and Medical Payments coverage.

Liquor Legal Liability Coverage is designed for bars, restaurants, hotels, motels, package liquor stores or other places where liquor is sold, distributed or served. It handles claims involving Your customer injuring or damaging property of a third party caused by patrons served or provided liquor.

Workers Compensation provides coverage to your workers injured while performing work on Your behalf.  Workers Compensationincludes Employers Liability, protecting You against claims brought by Third Parties for Your negligence to your injured worker.

Every State has enacted Workers Compensation laws making this coverage mandatory.  Five States, North Dakota, Ohio, Washington West Virginia and Wyoming are monopolistic States.  Workers Compensation insurance is paid to the State.   If you are working in one of the aforementioned States, You still have to provide Employers Liability coverage either through Your workers compensation policy or YourGeneral Liability policy known as Stop Gap Coverage.

Before commencing work in any State, always be aware of that States Workers Compensation laws.

Commercial Umbrella policies provide additional Liability insurance protection over your primary Commercial General Liability, Business Auto and Employers Liability insurance policies.

Optional Coverage’s to be considered, is not an all inclusive list, but a summary of some of the more common policies or endorsements.

Directors  and Officers Liability Coverage insures corporate directors and officers against claims, usually brought by stockholders, alleging loss due to mismanagement.

Employment Practices Liability coverage is available for the legal costs to defend claims against sexual harassment, wrongful termination and discrimination, and the actual legal liability for such acts.

Ordinance or Law Coverage applies when laws require undamaged portions of a building be torn down.   Coverage includes costs of demolition of the undamaged portion of the building covered and the increased cost of construction required to bring a damaged building up to current code.

Food Borne Illness Coverage a.k.a. Trade Name Restoration provides coverage due to loss of income by an infectious health situation or media event or combination thereof, with crisis management designed to protect and restore your Trade Name.

Utility Services—Time Element Coverage provides coverage if a covered cause of loss or insured peril damages the off-site utility service provider location and/or power lines forcing a disruption of power to the insured’s operation.

Utility Services–Direct Damage Coverage is the disruption of communications, power or water utility services due to a covered cause of loss to the utility service provider to Your property.

Internet (Cyberspace) Liability offers both first- and third-party cyber coverage as separate coverage parts. First-party coverage is available for extortion, business interruption, loss or damage to a network, extra expense and e-theft. Third-party liability is available for electronic media content, privacy liability and security liability.

Scheduled Property Coverage insures specifically identified and described and a limit of insurance assigned to it. Coverage applies on premises, off premises and in transit.

Spoilage Coverage applies to direct physical loss or damage to perishable stock caused by equipment breakdown or contamination and/or by an interruption of power beyond the control of the insured.

Garagekeepers Coverage is an endorsement that can be added to a business auto policy for restaurants with valet parking.  Covers damage to customers’ automobiles in Your care, custody or control.

Bailee Customers Coverage is used to insure bailment situations when accepting personal property of others into your care custody or control, similar to Garagekeepers.

Flood Coverage applies to direct loss or damage by flood to buildings and their contents on either a replacement cost or an actual cash value basis.

Commercial Insurance Resources is an independent insurance agency, representing many National and Regional Insurance Companies specializing in providing eating and drinking establishments the finest coverage needed at an affordable price.  Our success is our ability to continually surpass our client’s expectations.  We only work with companies that maintain an A.M. Best rating of A- or better.  Many factors are considered by A.M. Best when assigning ratings, and one of the most important factors, is the ability of an insurance company to pay claims.   “A” rated companies have a greater ability to pay claims in the future due to policyholder reserves, overall pricing of insurance, investments and profit or loss.

Hotels – Motels – Bed And Breakfast – Boutique Hotels – Spa Resorts – Inns – Hospitality

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As specialists in the hospitality industry, Commercial Insurance Resourcesunderstands the coverage needs for both limited service to motels to full service business class hotels.  Our companies offer a comprehensive package program backed by the top rated carriers in the industry.  Our carriers are committed to offering a great product supported by exceptional claims and loss control services.  Our carriers recognize the demands of our clients and value their need for insurance protection with the best rates, service and coverage available in the marketplace.  Below addresses

Property insurance provides coverage for Your Building and the Business Personal Property you own.   Most lodging facilities have extensive Property values that need insurance protection.  A property inventory should be prepared and evaluated to properly determine the correct coverage type that applies to each item.

Business Income coverage pays for the loss of income for the business and continuing expenses even if the doors are not open, including employee salaries due to a covered cause of loss at the insured’s premises.   Some hotels situated in business parks rely completely on a particular business for a large percentage of occupancy.  If that business should suffer a loss and is no longer able to operate, the hotel would suffer a loss of income.  Business Income from Dependent Properties Coverageapplies to covered causes of loss that occur at scheduled dependent properties that leads to loss of income for Your business.

Boiler and Machinery a.k.a. Mechanical Breakdown coverage insures against equipment breakdown that is typically not covered by property insurance policies, warranties and service contracts. Coverage includes losses incurred from the failure of boilers, pressure vessels and a variety of mechanical and electrical equipment.

Commercial General Liability is designed to cover the bodily injury and property damage liability exposures related to operating Your business.  The basic areas covered by the Commercial General Liability include theYour ownership or use of Your premises your own or rent, coverage for definedContractual Agreements, coverage for Products manufactured, sold or distributed by You, and Completed Operations if you install.  Personal and Advertising Injury Liability of the insured, and Medical Payments coverage.

Most package type policies will automatically include the above coverage’s along with each company’s additional coverage, extension of coverage, or limitation of coverage,  each specific to the respective insurance company.  Many of the additions, extensions, or limitations can be increased to meet Your specific needs.  Some of the additions, extension, or limitation is shown under Optional Coverages.

Business Auto Coverage provides scheduled liability and physical damage coverage without the need for numerous additional forms and endorsements. Liability coverage is available for

  1. Scheduled autos
  2. owned autos only
  3. All autos owned, leased or hired by the insured, and autos owned by employees or partners and used on behalf of the insured. The third option provides the broadest protection.

Optional physical damage coverage’s available include Collision and Comprehensive, that applies to loss from any cause except collision or overturn.  Specified Causes of Loss coverage, is a less expensive alternative to comprehensive coverage,  and pays for loss caused by Named Perils.

Workers Compensation provides coverage to your workers injured while performing work on Your behalf.  Workers Compensationincludes Employers Liability, protecting You against claims brought by Third Parties for Your negligence to your injured worker.

Every State has enacted Workers Compensation laws making this coverage mandatory.  Five States, North Dakota, Ohio, Washington West Virginia and Wyoming are monopolistic States.  Workers Compensation insurance is paid to the State.   If you are working in one of the aforementioned States, You still have to provide Employers Liability coverage either through Your workers compensation policy or YourGeneral Liability policy known as Stop Gap Coverage.

Before commencing work in any State, always be aware of that States Workers Compensation laws.

Commercial Umbrella policies provide additional Liability insurance protection over your primary Commercial General Liability, Business Auto and Employers Liability insurance policies.

Optional Coverages to be considered, is not an all inclusive list, but a summary of some of the more common policies or endorsements.

Directors  and Officers Liability Coverage insures corporate directors and officers against claims, usually brought by stockholders, alleging loss due to mismanagement.

Employment Practices Liability coverage is available for the legal costs to defend claims against sexual harassment, wrongful termination and discrimination, and the actual legal liability for such acts.

Ordinance or Law Coverage applies when laws require undamaged portions of a building be torn down.   Coverage includes costs of demolition of the undamaged portion of the building covered and the increased cost of construction required to bring a damaged building up to current code.

Internet (Cyberspace) Liability offers both first- and third-party cyber coverage as separate coverage parts. First-party coverage is available for extortion, business interruption, loss or damage to a network, extra expense and e-theft. Third-party liability is available for electronic media content, privacy liability and security liability.

Spoilage Coverage applies to direct physical loss or damage to perishable stock caused by equipment breakdown or contamination and/or by an interruption of power beyond the control of the insured.

Fine Arts Coverage insures scheduled works of art, including paintings, etchings, statuary, and stained or etched glass windows, against risks of direct physical loss or damage. Coverage applies on premises, off premises and in transit

Employee Theft and Forgery is a modified version of the commercial crime coverage. Most package policies provide a limitation for this coverage.

Flood Coverage applies to direct loss or damage by flood to buildings and their contents on either a replacement cost or an actual cash value basis.

Commercial Insurance Resources is an independent insurance agency, representing many National and Regional Insurance Companies specializing in providing the hospitality industry the finest coverage needed at an affordable price.  Our success is our ability to continually surpass our client’s expectations.  We only work with companies that maintain an A.M. Best rating of A- or better.  Many factors are considered by A.M. Best when assigning ratings, and one of the most important factors, is the ability of an insurance company to pay claims.   “A” rated companies have a greater ability to pay claims in the future due to policyholder reserves, overall pricing of insurance, investments and profit or loss.

Flood Insurance Quote Forms

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Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Flood Quote Form

Flood Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Flood Property Loss Claim Form

Flood Insurance Information

What is a Flood?

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Protect Yourself with Flood Insurance

Just a few inches of water from a flood can cause tens of thousands of dollars in damage. Over the past 10 years, the average flood claim has amounted to over $33,000. Flood insurance is the best way to protect yourself from devastating financial loss.

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property’s flood risk.

At Commercial Insurance Resources we can help you to determine rather you are in a Flood Zone in accordance with National Flood Insurance maps.

Homeowners

As a homeowner, it’s important to insure your home and its contents. Depending on your property location, your home is either considered athigh-risk or at moderate-to-low risk for a flood. Your insurance premium will vary accordingly.

The Dwelling Form provides insurance for buildings with one to four units, including single-family condominium units and townhouses. The General Property Form provides insurance for other- residential and commercial buildings. Both forms provide flood insurance on contents, if you have purchased this optional coverage.

Business Property

As a business owner, you know that protecting your building and your contents is vital to its survival. Your business is either in a high-risk ormoderate-to-low risk area and insurance premiums vary accordingly.

Moderate-to-Low Risk
Most homeowners in a moderate-to-low risk area are eligible for coverage at a preferred rate. Preferred Risk Policy premiums are the lowest premiums available through the NFIP, offering building and contents coverage for one low price.

High-Risk
If you live in a high-risk area, a standard rated policy is the only option for you. It offers separate building and contents coverage.

Auto Parts – Electrical Equipment – Furniture – Grocery Products – Fresh Fruits – Beer Wine And Liquor –Lumber

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As specialists in the Wholesale Distributor industry, Commercial Insurance Resources understands Yourcoverage needs.  Our companies offer a comprehensive package program backed by the top rated carriers in the industry.  Our carriers are committed to offering a great product supported by exceptional claims and loss control services.  Our carriers recognize the demands of our clients and value their need for insurance protection with the best rates, service and coverage available in the marketplace.

Inventory represents the largest Property value for most wholesalers or distributors. Many wholesale operations have periods when these values increase dramatically and should consider the Peak Season or Value Reporting Options to prevent underinsurance.  Business Income is an important coverage need and Business Income from Dependent Properties coverage should be considered in cases where the insured has only a few suppliers or customers.  Many Wholesalers and Distributors maintain a fleet of vehicles choosing to deliver their goods to their customer instead of using a common carrier presenting a challenge similar to a trucking company.  Wholesale Distributors need;

Property insurance provides coverage for Your Building you own or rent and the Business Personal Property you own or the Property of Others in Your care custody or control located in or within 100 feet of Your designated premises.  Business Personal Property includes Yourstock or inventory, furniture and fixtures, machinery and equipment and tenant improvements and betterments You made to the building if Yourent.

Business Income Extra Expense coverage pays for the loss of income for the business, and cost associated with relocating the business so it can reopen, and expenses that continue even if the doors are not open, including employee salaries due to a covered cause of loss at the insured’s premises.  Business Income from Dependent Properties Coverage applies when a covered cause of loss occurs at scheduled dependent properties that leads to suspension of Your business.

Boiler and Machinery a.k.a. Mechanical Breakdown coverage insures against equipment breakdown that is typically not covered by property insurance policies, warranties and service contracts. Coverage includes losses incurred from the failure of boilers, pressure vessels and a variety of mechanical and electrical equipment.

Commercial General Liability is designed to cover the bodily injury and property damage liability exposures related to operating Your business.  The basic areas covered by the Commercial General Liabilityinclude Your ownership or use of Your premises your own or rent, coverage for defined Contractual Agreements, coverage for Productsmanufactured, sold or distributed by You.  Personal and Advertising Injury Liability of the insured, and Medical Payments coverage.

Most package type policies will automatically include the above coverage’s along with each company’s additional coverage, extension of coverage, or limitation of coverage,  each specific to the respective insurance company.  Many of the additions, extensions, or limitations can be increased to meet Your specific needs.  Some of the additions, extension, or limitation is shown under Optional Coverages.

Business Auto Coverage provides scheduled liability and physical damage coverage without the need for numerous additional forms and endorsements. Liability coverage is available for

  1. Scheduled autos
  2. owned autos only
  3. All autos owned, leased or hired by the insured, and autos owned by employees or partners and used on behalf of the insured. The third option provides the broadest protection.

Optional physical damage coverage’s available include Collision and Comprehensive, that applies to loss from any cause except collision or overturn.  Specified Causes of Loss coverage, is a less expensive alternative to comprehensive coverage, and pays for loss caused by Named Perils.

Transportation Coverage a.k.a. Cargo Coverage protects property of the insured while being shipped in Your own trucks or by a Common Motor Carrier, Railroad or Airline, both incoming and outgoing.

Workers Compensation provides coverage to your workers injured while performing work on Your behalf.  Workers Compensationincludes Employers Liability, protecting You against claims brought by Third Parties for Your negligence to your injured worker.

Every State has enacted Workers Compensation laws making this coverage mandatory.  Five States, North Dakota, Ohio, Washington West Virginia and Wyoming are monopolistic States.  Workers Compensation insurance is paid to the State.   If you are working in one of the aforementioned States, You still have to provide Employers Liability coverage either through Your workers compensation policy or YourGeneral Liability policy known as Stop Gap Coverage. You can also get some good gaming monitors under $200 to a tradeoff between price and advanced gaming features.

Before commencing work in any State, always be aware of that States Workers Compensation laws.

Commercial Umbrella policies provide additional Liability insurance protection over your primary Commercial General Liability, Business Auto and Employers Liability insurance policies.

Optional Coverages to be considered, is not an all inclusive list, but a summary of some of the more common policies or endorsements.

Directors  and Officers Liability Coverage insures corporate directors and officers against claims, usually brought by stockholders, alleging loss due to mismanagement.

Employment Practices Liability coverage is available for the legal costs to defend claims against sexual harassment, wrongful termination and discrimination, and the actual legal liability for such acts.

Ordinance or Law Coverage applies when laws require undamaged portions of a building be torn down.   Coverage includes costs of demolition of the undamaged portion of the building covered and the increased cost of construction required to bring a damaged building up to current code.

Internet (Cyberspace) Liability offers both first- and third-party cyber coverage as separate coverage parts. First-party coverage is available for extortion, business interruption, loss or damage to a network, extra expense and e-theft. Third-party liability is available for electronic media content, privacy liability and security liability.

Spoilage Coverage applies to direct physical loss or damage to perishable stock caused by equipment breakdown or contamination and/or by an interruption of power beyond the control of the insured.

Employee Theft and Forgery is a modified version of the commercial crime coverage. Most package policies provide a limitation for this coverage.

Flood Coverage applies to direct loss or damage by flood to buildings and their contents on either a replacement cost or an actual cash value basis.