Insurance for Business Owners: Hazards in the business Accidents can happen anytime and anywhere, however there are many things small and large companies can do in order to avoid a slip, trip, or fall hazards at their place of business. If a customer should happen to trip on a rug or slip on a piece of cracked flooring than there are liability issues at stake. Ramey King Insurance is available to … [Read more...]
5 Signs You Need to Hire a Commercial Real Estate Attorney
5 Signs You Need to Hire a Commercial Real Estate Attorney Both business owners and companies commonly ask, "If I am working with a commercial realtor, why and when do I need to hire a lawyer?" The difference is that an attorney is not making a commission on the decision. Sure, he or she may be collecting a fee or high, hourly rate; However, the experience and advice that a seasoned attorney … [Read more...]
Insurance for Business Owners: Fire Protection
Underwriters are beginning to order reviews and inspections from third-party companies when it comes to the fire protection plans in place at a business location. Simply owning fire extinguishers is not enough when it comes to making sure a place of business is adequately protected from fire threats. Fire Extinguishers Having a working fire extinguisher on site is important. The building owner … [Read more...]
3 Tips for Saving on Commercial Auto Insurance
Based on the type of business you have, commercial auto insurance might be a requirement. You should focus on getting sufficient coverage at affordable premiums so you don't break your budget. Saving on premiums and getting adequate coverage is possible. Here are some tips to follow to ensure that you don't spend too much. 1. Hire Good Drivers This should go without saying, but if you hire … [Read more...]
5 Common Mistakes when Buying Personal Insurance
Have you ever bought personal insurance and when you finally make a claim only to find out your mistake, or find out you're paying too much or too little? Here are 5 common mistakes when buying personal insurance: 1. Not reviewing your policy once a year. Once a year you should review your policy for any changes that happened over the past year. Changes such as family changes (marriage, … [Read more...]
3 Reasons You Need to Review Business Insurance Annually
Why You Need to Review Your Business Insurance Your business evolves over time. Each year, you might have more revenue than the year before. Your inventory might grow to meet those demands. All sorts of things are changing and therefore you need to review your business insurance on an annual basis. 1. You Need Sufficient Coverage Business insurance isn't optional - it's mandatory. How much … [Read more...]
Commercial Real Estate Investors’ Insurance Policy and Loss Allowance
Your Commercial Real Estate Investors Insurance Policy and the Rental Real Estate Loss Allowance: What You Need to Know Your rental property provides passive, long-term revenue that supplements your normal income. Many landlords rely on monthly rental payments to help them meet other financial obligations. Violent weather, pest infestations, and other severe damages can make your property … [Read more...]
4 Reasons to Consider Umbrella Insurance
Umbrella insurance can provide an extra level of security for your family when medical, legal, and property damages extend beyond what your home and auto policies cover. It kicks in at higher dollar levels and also extends to special situations involving pets, lawsuits, and foreign travel. For example, you might cause a car accident resulting in $1 million in medical costs. However, your … [Read more...]
4 Ways to Protect Yourself as a Boat Owner
Owning a boat is a lot of fun. It's also dangerous in some instances because of being out on the water. This means you have to protect yourself at all times. There are easy ways to accomplish this. Get Proper Lessons Driving a boat is more than just learning how to steer. You want to get proper lessons so you know how to handle the boat in various conditions. Further, you need to know about how … [Read more...]
Want a Quick Flip? Commercial Real Estate Investors Insurance is Critical
Many commercial real estate investors purchase property with the intention of making a quick flip. This is common and if you don't plan on holding onto the commercial real estate for long, why spend the money on insurance, right? Wrong. You need to have commercial real estate investors insurance as a way of protecting your investment, no matter how long you're going to have the property … [Read more...]
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