Coverage is Essential for Shipment of Goods

cargo insurance in Texas

Practically everyone that has ever shipped goods, or taken on the responsibility of delivering goods for another entity, knows what cargo insurance is, as well as how coverage works. One should never overlook the importance of having cargo insurance in Texas when shipping goods. If you don’t think it necessary, think of the consequences of not having cargo insurance.


For example, what would happen to your company if an entire shipment were lost or if the shipment being transported sinks along with the vessel carrying it? If a truck carrying goods gets into an accident and the freight is damaged then your company will be responsible for at least a share of the losses. How would that affect your bottom line? Better to carry a policy and never have to find out.


Insurance is a necessary part of the equation


Legally, all carriers must carry a minimum amount of insurance. This is known as a carrier liability policy. However, carrier liability provides very limited coverage, and anything from natural disasters to vehicle accidents or even acts of terror could wind up damaging cargo. Therefore, shippers will often request cargo insurance be in place to protect their goods from loss, damage, or theft while in transit.


Cargo insurance does have limitations. When shipping via truck in the US, cargo insurance doesn’t provide protection against all losses a motor carrier may be liable for under the Carmack Amendment or common law. There simply isn’t a single, standard form of cargo insurance in texas that a carrier can buy and be fully protected, but without insurance any loss suffered would be extremely costly.


Marine Cargo Insurance


Marine cargo insurance covers transportation carried either by sea or by air. The goods are covered from any damages due to cargo loading/unloading, weather contingencies, piracies and other relevant issues. This policy can also be purchased to cover international transportation.


Land Cargo Insurance


Land cargo insurance provides coverage for all land transportations covering trucks and other utility vehicles. The coverage includes losses due to theft, collision damages, and many other related risks. This insurance is purchased domestically and is honored for any claims within US boundaries.

Taking Care of Your Employees the Right Way

workers compensation programs

As a business owner, you rely on your employees to get the daily operations of your company underway each and every day. Without your workers, running your entire business would probably be impossible. Therefore, it’s important to keep them safe and protected while they’re on the job.

However, it’s also crucial to keep your finances protected in the event that one of your workers experiences an accident. Having the right workers compensation programs on your side can help to ensure that both you and your employee are receiving the financial compensation you deserve if an accident does happen to occur during work hours. These insurance programs help to protect your employees in a number of different ways, such as:

  • Reducing workplace risk with excellent management programs
  • Ensuring injured or ill employees receive adequate compensation
  • Offers you legal recourse when dealing with workplace injury accusations
  • Focuses on getting valuable, experienced employees back on their feet

By seeing to each of these details, workers compensation programs help you take care of your employees the right way when they experience trouble as a result of their work environment. Whether you’re the owner of a retail joint, a sprawling construction company or even a restaurant, your employees are the life of your company. Always be sure to protect them the right way.

When Temporary Employees Drive for Clients, the Staffing Agency Is at Risk

Hired and non-owned auto insurance

Do your employees use their personal vehicles or rental vehicles for any of the following activities?

  • Running company errands
  • Travel to meetings or events
  • Driving clients or visitors to a destination
  • Delivering packages or other information

If your temporary employees are driving their own cars, or rental cars, on business assignments, your company is at risk in the event of an accident. Staffing agencies face the dual liability of employees driving client owned vehicles. Hired and non-owned auto insurance can provide protection for you under both circumstances. Purchasing this type of policy is good for your business, your employees and your customers. Although personal auto insurance and rental car insurance does provide coverage, your company could become responsible if the damages exceed the limits of the policy. With hired and non-owned auto insurance both you and your clients will be covered for costs related to bodily injury and damage to property resulting from an accident where an employee is driving either a personal or a rental vehicle.

Even a quick trip in the car can result in a very serious accident. Don’t risk that unnecessary exposure for your business or your clients. A hired and non-owned auto insurance policy will give you peace of mind when your employees are on the road. In most cases coverage can be added to a business liability policy.


Protect Your Company and Yourself With Business Insurance

business insurance in Orange County

If you’re a business owner, it may be important to consider business insurance in Orange County. If you are like many business owners, you have invested a lot of time, sweat, and effort into your business. You don’t want to think of any of the horrible things that could happen, but you must be prepared. At any moment, you may be faced with a lawsuit, workers’ compensation claim, earthquake, flood, or criminal act. Any one of these disasters could be devastating enough to destroy your business and the livelihood you have worked so hard to create.

Did you know that companies often offer specialized insurance packages? Insurance agents can work together with business owners to determine what their biggest risks are and to make sure the business is properly insured. This may help save the business from spending more than necessary on insurance premiums, while making sure there is plenty of coverage where it is needed.

While business owners may not like paying premiums for insurance they have never filed a claim with, it may only take one accident or lawsuit to make all those premiums worth it. Learning more about business insurance in Orange County can provide peace of mind and allow you time to focus on what’s most important to you.

If You Think Worker’s Comp Provides Enough Coverage for Your Staffing Agency – Think Again

Employee liability

Accidents happen. Is your staffing agency prepared to handle issues related to employee liability? If you answered “yes” because you are covered by Worker’s Comp, you could be in for an unpleasant surprise. Worker’s Comp benefits pay injured employees’ medical expenses and lost wages. But they do not protect you in the event of a lawsuit. That’s where employer’s liability insurance takes over. This insurance covers many of the other types of claims that may arise from a work related injury. These are some examples of the more common disputes that are not covered by Worker’s Comp:

  • Suits from a third party deemed responsible for an employee’s injury, such as an equipment manufacturer.
  • Suits brought against you as both an employer and the manufacturer of a product that caused an employee’s injury.
  • Suits from a family member as a result of consequences of an employee’s injury.

A firm that specializes in providing this additional coverage for staffing agencies can help your company select a policy that is tailored to address the special needs of the temporary employment industry. Don’t let concerns about employee liability keep you awake at night. Make sure that your company is prepared to address the full range of issues that can surface when an employee is injured in a traffic accident.


Tips for Choosing the Right Insurance Agency in New Mexico

When it comes to protecting yourself and your assets, you do not want to work with just any insurance agency in New Mexico. While many insurance agencies undoubtedly offer great customer service and great plans, each specializes in different areas of coverage, and what you need may not necessarily be what a particular agency has to offer. When shopping for insurance plans, consider the following: Agency Specialties Many insurance companies serve niche business populations, but others offer coverage in a variety of areas. What your needs are will dictate whether or not an agency is for you. For instance, if a company specializes in car insurance but you need life insurance, you may want to keep shopping. Type of Plans Some agencies sell individual plans for auto insurance, health insurance and general liability coverage, while others bundle coverage. While you can certainly save money on a bundle plan, if you only need one type of coverage, it may not be beneficial to invest in a new policy and forfeit the benefits of your old. Agency Personality Finally, while personality isn’t the most important factor you should consider, it could be the deciding factor if you’re torn between two agencies. If you mesh well with one company, they may be a good fit for you, as you will benefit from having an agent that you can develop a trusting relationship with. When looking for an insurance agency in New Mexico to work with, keep the above in mind to find the best fit for you and your needs.

How To Reduce Property Loss in Your Warehouse

Warehouse insurance in Orlando, FL

Among the many threats to property in your warehouse, misplaced and mishandled property is among the most frustrating. It is nearly 100% preventable and can result in tens of thousands of dollars worth of product lost annually. If it’s someone else’s property, the business loss and liability costs can become even greater. A couple of simple steps can drastically reduce losses in this area.

Identify Where Losses Are Occurring

This is the most straightforward but often the most difficult part of the process. If your warehouse doesn’t have a way of tracking how losses are occurring, that’s the first step to implement. Next, the data must be analyzed to find where things are going wrong.

Design Property Loss Solutions

Once the problem is identified, you can create a solution. Most of the time, losses occur due to mislabeling or mishandling property. A comprehensive tracking and organization system is the best way to keep product from being misplaced. Often, the best way to prevent mishandling is to reduce the amount of touches required by your warehouse. Every touch is an opportunity to damage property, so streamlining your handling process results in less damage overall.

Property loss is an inevitability. Even the best systems and most well-trained employees will make mistakes. Warehouse insurance in Orlando, FL is your safety net for when these mistakes occur. A well-written policy safeguards your business from disaster when the inevitable strikes.

Serve Safe With Hospitality Insurance

Bar, pub, tavern, dive–wherever you serve alcohol, you need the liability coverage to keep your business safe from unexpected trouble. Tavern insurance offers a unique set of coverages tailored specifically to the hospitality industry. This includes general liability, liquor liability, products and completed operations coverage and even assault and battery protection.

General liability covers most everyday incidents in a hospitality establishment, including slip and falls, kitchen accidents and more. Policies are tailored to business needs and coverage limits are often flexible. Products and completed operations coverage protects your establishment from latent claims of food-borne illness and other unsubstantiated claims against your business.

Liquor liability covers your bar or restaurant against losses from claims resulting from alcohol-related incidents, such as drunk driving accidents and assaults. Some will claim frivolous lawsuits against the establishment, costing you time and money. Liquor liability shields you from these costs, letting you focus on your business.

Finally, other specialty coverages are also available for establishments with security needs. Assault and battery protection provides coverage against injury claims resulting from violent security altercations, protecting your staff and business.

If you need tavern insurance but don’t know where to start, speak with your local agency today. They’ll talk you through the basics of getting the coverage you need and how to keep your business protected.

Warehouse Insurance to Protect Your Company

Orlando warehouse legal liability insurance

All reputable businesses have insurance to assist them in the case of loss or injury to their products and goods. Warehouses are slightly different, however, in that they tend to work mainly with other people’s products and goods. As a result, warehouses require a unique type of insurance coverage in the form of legal liability. For those in the area, Orlando warehouse legal liability insurance ought to be included in the insurance plan for anyone who operates a warehouse. This type of insurance helps cover the business in the event of damage and/or loss of customers’ goods, which will help the customer recuperate losses and will not make the business pay out money as a result of the damage or loss.

As with similar plans in different areas, Orlando warehouse legal liability insurance works to cover the cost of compensating a customer in the event of damaged property while in the warehouse. The insurance company pays the client directly as part of the business’s insurance plan, and in that way the warehouse company is able to continue operating. Nobody wants to damage customers’ property, but damage does occur and when it does, you want to be insured so that you will not be personally responsible for covering any losses. An insurance company protects your company by helping out customers in case something goes awry in your warehouse.

Real Estate Agents Must Protect their Reputations

The real estate industry is a rewarding line of work, especially when helping first-time homebuyers secure the house of their dreams. But this arrangement doesn’t always have a fairytale ending. That very same customer can accuse an agent of providing erroneous information, and once accused of errors and omissions in NJ, they’ll need to be covered in order to defend their actions in a courtroom or when having to settle a claim.


Errors and omissions insurance (E&O) will aid an insured in the event of allegations related to misrepresentation but doesn’t cover claims of committing outright fraud. This policy will come in handy when a disgruntled buyer sues you for anything from failing to disclose a defect in a property, to misleading a purchaser about what they’re buying. An agent may actually be sued for any number of reasons, including undisclosed knowledge of structural issues, infestations, mold contamination, or for any action construed as a breach of contract.


A policy to cover any financial responsibilities to the plaintiff


While the property being represented might be in good shape, the buyer may allege that the square footage of the home or surrounding property is smaller than was actually stated in the contract. Boundary disputes can certainly be another area of concern. Brokers and agents may also find themselves being sued for failing to disclose that a property is encumbered by a lien from the previous owner’s debts. These are just a few typical reasons for litigation to ensue.


When an agent becomes targeted with a claim, their insurer then hires an attorney to aid them with a defense strategy. And, if need be, they will try to negotiate a settlement. If not covered for errors and omissions in NJ, the real estate agent must then assume the legal costs on their own, which typically could wind up being enough to bankrupt them or drive them out of business.


It’s important to understand local laws and market conditions concerning these transactions, which means acquiring an agent with experience in the E&O market. Some brokers may forego getting insurance deeming it an unnecessary expense. This could be their worse mistake. Insurance is always the best line of defense when a claim is made, regardless of its validity.