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Best In-Class Business Insurance for Technology Firms & IT Consultants
A limited liability corporation(LLC) and a sole proprietorship need insurance. All businesses need protection. There are several types of insurance available to protect your business based on the products or services you offer.
Various insurance policies should be tailored to meet your special needs.
Professional Liability Insurance, including Errors and Omissions Insurance, work well for small businesses. This type of insurance protects the business and the owner from any mistakes including not delivering the services the customer expected. Customers may feel that the roof or the plumbing was not repaired to their satisfaction.
An accident may occur to a property you are servicing and the owner considers the damages to be your fault. As an example, your cleaning van or plumbing repair truck may back into a fence and cause damage. A customer may file a lawsuit and be able to prove that you caused financial loss as a result of the property damage.
The insurance company will try to settle out of court based on the limit of coverage in your policy. They will pay out based on the amount specified in your policy if you lose a lawsuit.
State laws usually require professional liability coverage for some small businesses. A contractor with whom you subcontract may also insist that your business has professional liability insurance. How much insurance you carry will depend on the type of business.
Your employees should have coverage based on your business. You may manufacture a small product with a workforce of only a few people. They should be covered for any injuries sustained on the job. Many states required workers compensation insurance based on the type of business and the number of employees.
General liability insurance to cover customers, visitors and guests who sustain an injury on your premises is another type of insurance that is advisable. This is third-party injury insurance that will cover medical and related costs if someone slips on a wet surface or is injured on your property in any other way. It may not be the fault of your business location, but the injured party can sue you for negligence and/or other damages. This is one reason for keeping your walkways clean and safe during heavy rain and snow. There are many precautions that are necessary to protect employees and customers if you have a street front business.
Your business may be a home-based operation where you design web pages or sell a product through a multi-level distribution system. You still need to protect your business location, your equipment, and storage facilities if applicable. You need special insurance if you warehouse products and deliver them to customers.
You need property insurance to protect computers, printers, communications equipment, and other supplies that may be used in your business. You may need special materials, equipment, and products for manufacturing or services that should be insured. Commercial vehicle insurance is necessary for business cars and trucks.
The business location requires protection as well against theft, vandalism, fire, and flood. Your risk insurance should also cover business interruption. A business may need to close down temporarily causing loss of income from water or fire damage. This type of insurance can cover payments for salaries, rent, and any taxes that are due as well for property damages. The policy can cover all costs until your business reopens.
Contact us at InsureYourCompany.com for a customized insurance quote to protect your small New Jersey area business with the right coverage. We will find the coverage and packages that offer the maximum protection for an LLC or sole proprietorship.
Sometimes, starting a business relationship with another company, such as a general contractor, may be difficult before all parties can find a way to address additional liabilities that the partnership may potentially create. You may already have a commercial general or professional liability policy, but the insurance cover may fall short when the other business makes mistakes for which you may be held liable. An additional insured endorsement (ISO) can solve that problem by protecting you both against potential liabilities.
If you take out an additional insured endorsement, you’re extending an already existing liability insurance coverage, for example, general liability policy, to a business partner to cover any additional liability exposure you potentially create for them. It protects your company and your business engagements with parties such as general contractors. Generally, a larger company may require a smaller potential partner to name them as an additional insured as a prerequisite for doing business with them.
There are different types of additional insured endorsements, each of which may be worded uniquely to address specific liabilities or compensable risks. Be sure to get your policy’s language right to protect your business interests sufficiently. For example, the ISO type CG 20 10 4/13 does not cover the other party, such as general contractor, against their sole negligence. The additional insured can only obtain protection under this endorsement if the policyholder (e.g., a subcontractor) bears full or partial liability for the loss in question.
The owner of a commercial building in which your business operates may ask you to name them as an additional insured on your renters’ insurance policy. Your landlord will benefit from the coverage in the event of loss of property or personal injury on your business premises. The required endorsement, in this case, is the managers or lessors of premises or CG 20 11.
A third-party may deem the project owner liable for a contractor’s acts of commission or omission on a construction project. For example, an investor hires a contractor to set up scaffolding over a sidewalk, and people are allowed to walk under the installation. Two pedestrians sustain injuries after the scaffolding collapses. They then file claims against both the project owner (investor) and the contractor. While the investor neither built the scaffolding nor told the contractor how to assemble it, they’re now facing vicarious liability for the contractor’s errors. If an additional insured endorsement covers the project owner (because the contractor extended their preexisting liability insurance accordingly), they have protection against financial loss in case the court rules in favor of the injured pedestrians.
An insured company (lessee) that uses leased machinery, such as heavy construction equipment, may also require an additional insured endorsement to address the exposure the business arrangement creates for the equipment owner (lessor). In this scenario, the lessor may require indemnity against liability that the lessee creates while using or maintaining the leased machines. The right form of additional insured endorsement for this contractual relationship is lessor of leased equipment (CG 20 28).
A company may include an additional insured endorsement in its commercial auto insurance policy. The ISO is suitable for businesses whose vehicles have multiple drivers. Without necessarily specifying a name, the cover may protect any individual (besides designated drivers) who may drive company cars.
ISOs are business-critical inclusions in contracts for general contractors, project owners, subcontractors, commercial landlords, tenants, and other parties. However, including a specialized additional insured endorsement in your general liability policy can only yield maximum benefits if you fully understand the perks, conditions, and limitations specific to it.
At Insure Your Company, we can advise you on how to create a comprehensive insurance cover for your business by selecting the right additional insured endorsement. Contact us today to discuss specifics!
Whether you’re just starting out or successfully running your own business, there’s plenty for you to worry about. According to the Small Business Association, 30% of new businesses fail during the first two years of being open, 50% during the first five years and 66% during the first ten. You’re probably thinking, “and this is supposed to make me feel better?”
Well, actually, it is. Many of those businesses that failed could — and should — have succeeded if they had the right business model in place, one that focused on what is truly important when growing a small business. But many companies choose to overburden themselves with complicated policies and unnecessary structural components when what they really need to do is keep things simple. Focus on what is important to the customer, and make that your top priority.
Below, we’ve outlined the top five areas where small businesses should focus their efforts during their first few years. Keep it simple for now. Save the complicated stuff for after you’ve seen the sunny side of success.
Customer Service
According to a survey conducted by American Express, 78% of consumers have canceled or not made an intended purchase due to weak customer service. Customer service should be the number one priority of any business that is starting out, as it can truly make or break you. Great customer service will lend itself to market expansion through word-of-mouth and improves an online presence through positive reviews on Yelp or Google.
Without excellent customer service, your business has no reputation to speak of and thus does not motivate the consumer or the potential employee to dig any deeper. Put customers first, and your customer service will need no introduction
Market Expansion
If there’s any one area where you should spend money right now, it is on expanding your market. Effective marketing is the key to increasing sales. But you may not have to break open the bank to do so. There are many smaller ways that you can expand your marketing efforts, such as partnering with other local businesses or with charitable organizations (which will also impact you positively on social media).
You can promote your opening in the newspaper (yes, some people still read it!) as well as online. You can send out promotions with your invoices. You can even offer free classes or workshops relating to your business and the services you offer. These are all also great ways to generate positive word-of-mouth, which is the best free marketing that anyone can ask for.
Online Presence
Increasing your online presence has much more to do with making the right moves and using technology efficiently than it has to do with spending money. Social media accounts are a great place to start. Build your brand through social media, and then begin tracking your brand mentions. Use a free service like Google Alerts to let you know if people are talking about your business online.
Engage with customers through replies on their reviews or commenting back on their Facebook posts to you. Increase interest by posting original content with a story behind it. Everyone loves a good story, so tailor your brand’s story into something that everyone wants to read about and see more of.
The Right Team
Hire the absolute best people for your business and then figure out a way to keep them coming back every day, doing their best work, for you. This can be as simple as leading with transparency, cultivating an environment of positive adult culture at work, and making time to build those personal relationships with individual staff members.
Keep in mind that it’s much easier to train people with the right mindset than to rid someone of a poor mindset. Only take on those employees that have a special way of thinking that aligns with your business model. Because once you have the best team behind you, your business will be able to get itself off the ground in no time.
Be the Best You for Your Business
With you, there would be no business. It’s incredibly important, especially in this day and age of burnout and high-stress levels, that you take time to focus on your own health and well-being as you create and grow your dream company. Know that the journey will be a long, sometimes slow, and often difficult one, but the rewards you can reap are worth it.
Just don’t wait until “the end” because when you have your own business, you should know that there is no end. The workday never has to stop, yet it must. You are human. Learn how to delegate, don’t spread yourself too thin, and remember that when you’re at your best, the rest of the business can be at its best.
Want to hear more about how small (and medium, and large) businesses can stay successful? Continue reading on our blog. Or contact us directly today. We understand your need to keep things simple, and we’ll make finding the right insurance policies just as simple.
Today is Collector Car Appreciation Day! Are you TIRED of new cars constantly coming out, with no appreciation for the classic cars of the good old days? Well, I find it EXHAUST-ing. Give me a BRAKE, right? Aside from my cheesy puns, collector cars are no joke. Here are a few tips for anyone looking to buy a classic car!
Jay Leno, a car enthusiast, comedian and star of the show, “Jay Leno’s Garage” is quoted as saying: “If you have a car that you think is just beautiful and you enjoy washing and polishing it, and it’s fun to drive and it’s technically interesting, then it’ll probably go up in value,” He also says that “If you’re just trying to buy cars for investment purposes, you’ll always be disappointed because you’ll never make enough money[…]But if you buy something that you like, if it goes down in value, then at least you still like it.”
Kim and Mitch McCullough are rare and vintage car enthusiasts. They not only collect obscure cars but they have accumulated lots of catalogs and books along the way, as well as posters, models, and marketing materials that they have on display. “All of these things add to your understanding of the cars,” says Mitch.
Jeff Allen of the car-flipping TV show, “The Car Chaser” recommends to research before buying any collector car! Though some classic cars were made before the advent of the internet, it doesn’t mean you shouldn’t do your research by any means necessary. Use any search ENGINE you’d like, and find something you can AFFORD!
In this weeks Small Business Spotlight, we talk with Dr. Justin Bergin from Manalapan Spine & Physical Therapy Center!
Dr. Justin Bergin has been a chiropractor for 16 years, 11 of those years spent building his practice. He recognizes that when you go to physical therapy you don’t get the joint work and when you go to a chiropractor you may not get the muscle work or the therapeutic exercises and activities – which are all things his practice offers.
Manalapan Spine & Physical Therapy Center works on any kind of joint pain or ache and will help you to rehab anything!
Manalapan Spine & Physical Therapy Center
Starting a small business, and keeping it running, doesn’t have to be complicated. You can keep it exceptionally small and quite simple if that’s what you want to do. You don’t necessarily need to rent a space, hire employees, or grow it into a huge corporation in the future. You also don’t need to have a complicated insurance policy, in fact, most exceptionally small businesses can get adequate protection from a simple policy. That said, you still need to protect your business and yourself, personally and professionally, against any potential liability.
Every business owner is exposed to possible liability whenever they do business. If a client comes to you, for example, and slips and falls you will be held responsible for their injuries. If you go to your client’s home or office and cause any physical or property damage, you’ll also be held responsible. Of course, these are only two of the many scenarios that you could encounter. In every case, however, insurance provides you with the financial protection you need to compensate someone else for medical expenses, repairs, or other costs.
For most small businesses, General Liability Insurance is adequate. It’s considered the most basic type of business insurance and is generally the least expensive option. It covers claims made against your business for injuries and property damage. Therefore, if there’s an accident at your place of business, a client’s office, or any other location, you’re covered. It also helps you settle and defend against claims made. The amount of liability coverage that you should have depends solely upon your business needs.
It’s understandable that you want to cover all of your bases to ensure that you’re protecting your business to the best of your ability. While a General Liability Insurance policy will give you peace of mind, there are some other policies that you may wish to consider as well.
Liability is only one of the concerns that New Jersey small business owners like yourself face. It’s also important to consider protecting your businesses assets. Whether you own a building, rent one, or use a room in your home, damage to your property can cause serious problems for your business. Commercial Property Insurance covers assets such as your computers, office furniture, telephones, inventory, and even other people’s property. The amount of coverage you should obtain depends upon your business and its assets.
If your business provides any professional services, information technology solutions, advice, or recommendations to customers, consider a Professional Liability Insurance policy. This will protect you and your business in the event that a customer makes a claim against you based on actions they say harmed them or cost them money. Also called an Errors & Omissions policy, it covers your legal defense costs, employee and subcontractors, and yourself if litigation is brought against your business.
Whether you’re offering IT solutions or not, you’re likely keeping electronic records of clients and customers. Because of this, you’re responsible for ensuring that your network is secure and that the information is safe from data breaches, hackers, and losses. You may not be able to completely control these threats but you can protect your business with Cyber Liability Insurance Policy.
There’s no way for a small business owner to possibly know what will happen in the future. Litigation may arise from even the simplest transaction, damages and injuries can occur any moment. There’s no need to worry about it all on a daily basis, especially if you have adequate insurance coverage in place. Not sure what you need, or want some more information about business insurances? Please contact us and we will happily answer your questions and suggest a policy that suits your business needs.
You know that your company needs insurance. You may need health insurance policies for your employees, business insurance to help protect the business you’ve worked so hard to build, and auto insurance for your vehicles. Many businesses struggle to even know where to start as they choose their insurance. Why work with InsureYourCompany.com? There are several benefits to our services.
We have extensive experience finding insurance for a wide range of business clients–including both large and small businesses. We have worked with clients in many different industries, from construction companies to medical offices. As a result, we know what type of insurance your business needs and will work hard to ensure that you have the right type of coverage for all of your needs–at a price that works for your company. In many cases, we have been able to prevent our clients from ending up with gaps in their coverage that could have been disastrous, from ensuring that business owners have the right coverage on their property to making sure there are no gaps in health insurance coverage that could prove disastrous to your employees. Because we know what you need, we also:
Offer 24/7 access to your insurance certificates. Do you need your proof of insurance? It’s available to you at any time, with just a few quick clicks.
Know what’s necessary to keep your business compliant. No matter what the latest changes in insurance requirements bring, we’ll make sure your business is up to date and complaint so that you can focus on other details of running your business.
Provide fantastic customer service. We endeavor to make sure our customers have all of their questions answered so that they can make more effective decisions–and if there’s a problem, we deal with it as quickly and effectively as possible.
Many companies choose to turn to jargon to confuse their customers. You specialize in your industry; we specialize in ours–and we don’t need to use jargon to explain it. Instead, we’ll use clear, understandable language to describe the types of insurance you need for your company and give you crucial advice about what level of coverage you need. We’ll help explain things in a way that you can understand, enabling you to choose the right type of coverage for your company, rather than simply choosing whatever is recommended and hoping for the best. We make sure that all of our clients fully understand exactly the type of insurance they need and the type of insurance they’re getting before they make a decision.
Many insurance companies and brokers focus on getting that insurance sale regardless of the cost–and they know exactly how to do it. Often, they use scare tactics to convince you to take out the most expensive policy you can afford without considering the expenses you might, realistically, face as a business owner or private individual. Stories abound of business owners who neglected to properly ensure their vehicles or who were sued due to equipment failure and ended up losing their business as a result–but those stories are rarer than you think, and often exaggerated far beyond the truth. At InsureYourCompany.com, we don’t use scare tactics to connect you with the right types of insurance for your business. Instead, we focus on sharing clear information, answering your questions, and ensuring that you know what you need to know to make the right decision for your business.
Are you ready to find better insurance for your business? Do you want to know more about the services we offer? Contact us today to learn more about how we can help you choose the best possible insurance for you.
Getting insurance: for many customers, it’s intimidating. You know that you need insurance to help protect your business, regardless of your industry. Unfortunately, many people start looking at different types of insurance and quickly become overwhelmed. How do you know what type of coverage you really need? How can you avoid legal issues and protect your company without overspending on your insurance budget each month? Here’s the good news: when you work with InsureYourCompany.com, getting insurance doesn’t have to be scary. In fact, we can take the difficulty out of the process and make it less intimidating to get the coverage your business needs.
Are you tired of insurance brokers pushing insurance that you’re not really sure you need? Are you unsure whether you need a particular type of insurance for your business, whether it’s a particular kind of auto insurance policy or a specific type of disaster coverage? Working with InsureYourCompany.com can help you identify precisely the types of insurance that your business needs most.
Many small business owners fear insurance discussions, not because of the complications, but because of their budget. They know that they need the insurance, but they’re afraid that when they start discussing insurance, they’ll discover that they can’t afford it–and that can raise any number of fears about what missing that specific type of insurance could mean for the business. At InsureYourCompany.com, however, we learn about your budget and find the right coverage for the price you want.
Your business is important to you. You’ve worked hard to create it from nothing–and chances are, you’ve worked with a number of investors and employees along the way. When it comes right down to it, you need to know that your dream is protected: that you won’t lose all the hard work and effort you’ve put into your company over the years. With the right insurance, you can help protect your dream, ensuring that disasters beyond your control can’t destroy all your hard work. From hackers to careless drivers, natural disasters to business mishaps, we can help offer the insurance that will help your business avoid destruction due to a setback.
When you start benefit shopping for your employees, you may wonder how you’re supposed to decide. Sure, your employees want great insurance, but you’re limited by the size of your business and the effectiveness of the policy you can afford. What elements of insurance are really important to your employees? Where can you afford to cut corners, and where should you go all out? We’ll help you protect your employees, providing health insurance that will let them go to the doctor before minor complaints become serious ailments. As a result, not only will they be able to work more days out of each year, they’ll be more likely to stick with your company.
One of the biggest fears many small business owners have is that they won’t really understand the insurance coverage they’re offered. When it comes to insurance, there’s a lot of jargon–but we’ll help you cut through the red tape to get to the insurance your company really needs.
Do you need insurance for your company? Whether you’re a medical company, a hair salon, an IT provider, or another small business in need of highly specific insurance coverage that fits your needs, we’re here to help. Contact us today to get a quote or to start discussing your unique insurance needs and how we can help you take care of them.
Whenever Donelan Andrews, who calls herself a “nerd,” signs a contract, policy, or agreement, she makes sure that she reads and understands exactly what it is saying.
She knows that most people don’t bother. Even if they decide to read any of it, they rarely finish the entire contract, policy, or agreement. Most companies also know this. Because of it, one company based out of Florida decided to try something different.
Andrews is also different and very meticulous, with everything that she does in life. She wants to make sure that she is protected in her life. This includes any time that she travels.
When she decided to go to London with six of her closest friends, it was no different. She decided to purchase travel insurance from Squaremouth, an insurance company based in Florida.
When reading the fine print, she noticed something different. Squaremouth had instructions for a contest deep within the insurance policy. In fact, they put these instructions in the fine print of all of their Tin Leg Travel Insurance, just to see who would read the whole thing.
The instructions read, “If you’ve read this far, then you are one of the very few Tin Leg customers to review all of their policy documentation.” It also included an email address, saying that the first person who actually read the whole contract and replied would win ten thousand dollars.
Andrews, a high school teacher, said that it reminded her of a trick that she used to use on her students. She would put a question in their exams telling them to skip the next question if they read it. When she saw it, she was intrigued.
Donelan Andrews was very lucky because the fact that she is so meticulous lead her to win ten thousand dollars!
When asked about the contest, Squaremouth wrote to explain it. They said that they know that most people don’t actually take the time to read the contracts or any documentation when they buy something. They also know how much of a mistake it can be. It is very important to read the whole thing before signing.
For this reason, they decided to start a campaign that they call Pays to Read. This top-secret campaign aims to inform their clients just how important it is to read the entire document before signing anything.
In their sixteen years, they have had many clients who haven’t read the entire documentation. When something goes wrong, they just assume that their insurance will cover it. However, each insurance policy is different, covering different things.
When an insurance company doesn’t cover something that went wrong, and a client’s claims are denied, they get angry. In fact, Squaremouth says that their client’s lack of understanding is the most common reason why claims get denied.
So, what is Andrews going to do with her money? She has decided to put it toward another trip. She is also going to continue to use Squaremouth for all of her travel insurance needs.
Besides giving Andrews ten thousand dollars, the company also gave ten thousand dollars towards a charity for literacy for children. Then, they gave five thousand dollars each to two different high schools, focusing on the importance of literacy.
For her next trip, Donelan Andrews plans to go to Scotland with her husband to celebrate her retirement and the couple’s thirty-fifth wedding anniversary. Her ten thousand dollars should cover most of the expenses. She also wants to let readers know that she will be purchasing travel insurance for this trip too!
Contact us to make sure that you and your business are protected against anything that could happen. We also want to make sure that you read all of the fine print, so you truly understand what is covered and what is not.
In a recent Forbes post, they looked at ideas surrounding “Three Common Small Business Health Care Misconceptions” when it comes to providing insurance coverage for employees of SMB’s (small-to-medium sized businesses). They cited this trio of concerns and successfully argued their accuracy with:
In this post, we’ll peer further into these misconceptions that some SMB’s make when considering health insurance for their staff. As part of this process, management may want to weigh these myths against reality when making this important choice.
For some members of SMB’s the decision to not provide health care coverage could come from the knowledge they’re not breaking any laws by denying this type of insurance to their employees. When debunking this myth, it’s important to note under the ACA (Affordable Care Act commonly referred to as ObamaCare), those businesses with less than fifty employees aren’t required by law to supply medical coverage for their staff.
But according to a recent AHIP (American Health Insurance Plans) survey, the value of employer-provided insurance can outweigh the cost when it comes to employee retention rates, their overall job satisfaction and the decision to accept an offer of employment. In a competitive marketplace when hiring and keeping talent is often crucial to success, the money saved on these shortcomings are being recouped by making a prior expenditure of purchasing health insurance.
Pre-existing health conditions seem to be problematic for many clients when it comes to affordable insurance coverage, but this isn’t always the case. For some small group health plans, prices may be dependent upon age, location and the carrier. The current health of a particular employee may or may not be a determining factor when it comes to coverage.
While certain benefit platforms can be pricey, employers don’t necessarily have to subsidize the entire amount. Depending on the budget and plans available, a business owner can pre-determine the amount they’re willing to contribute. There are plenty of options available providing a wide range of benefits to accommodate a variety of different budgets.
When it comes to a basic knowledge of benefits available to those who are covered, according to another recent Forbes report on this concept, only 4% of insured could correctly understand or identify certain terms and conditions like:
Being unable to understand everything involved with a complicated policy shouldn’t stand in the way of getting affordable insurance options for employees. The internet is an excellent place to demystify different terms and find ways to perform searches inside of lengthy documents online.
Businesses have to ability to make an open enrollment period at any time they deem appropriate. While traditionally this sign-up session is reserved for year-end or beginning, SMB’s have the ability to decide when employees are able to get coverage whether it’s once a month, quarterly, semi-annual or only once a year.
When you’re looking at affordable health coverage options for your business, it’s all in our name at Insure Your Company (dot com). Contact one of our agents today with any questions, concerns or possible misconceptions you may be having about providing quality and affordable health coverage for your valued employees. We’re always available to guide you through this complicated process ….. after all … that’s OUR job!
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InsureYourCompany.com has been treating clients like family for over 15 years. You’ll never have to talk to an automated phone system—we have business insurance experts ready to provide personalized customer service, not only helping you with your insurance and employee benefits needs, but showing you how to be a smarter business owner.
If you are in the IT industry InsureYourCompany.com is the insurance agent you want to work with, we are technology insurance experts and have changed the way you do business. See below a list of professionals who we help today.
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We believe in supporting our clients through every step of the insurance process. From choosing the right coverage to filing a claim, we are here to offer guidance and support. Request a free quote today and get coverage that meets your unique needs.
