When you own a business, you have a lot to protect, and the right small business insurance coverage can be important to your continued success. Luckily, there are a variety of coverages to choose from when it comes to protecting your business.
Being a rideshare driver is a great way to make extra income. With the growth of Uber and Lyft, many people are using their own vehicles assuming their personal auto insurance will provide coverage.
Unfortunately, your personal auto insurance will not cover any use for commercial purposes. There is an exclusion for any commercial use of your vehicle. There is a specific exclusion for “public or Livery conveyance” that is part of your policy. This makes it very clear that the liability coverage for your vehicle doesn’t apply when it is being used as a public conveyance.
In addition, your personal auto insurance excludes Medical Payments, and Physical Damage Coverage for your vehicle is used for commercial purposes. With a few exceptions, your personal automobile policy doesn’t cover you or your automobile when you are using it for this purpose.
What Are Your Options?
Another option is to purchase a commercial automobile policy that is designed to cover the exposures that go along with operating a public conveyance.
Consider the coverage offered by the rideshare company you are working for
Call, our office and we, can work hard to provide you with the best possible combination of coverage, price, and service.
When it comes to cooking healthy meals for our families, there is always some degree of disagreement among the ranks. The good news is that there are recipes that are very healthy, but the healthy nature of these recipes is somewhat disguised. What they do not know in these instances truly should not bring harm their way (outside of allergies, which should never be ignored).
Healthy cooking is often difficult as most of us do not want to spend time planning and preparing meals that our families refuse to eat. At the same time, we want our families to be healthy, so we feel compelled to learn new and improved ways of cooking healthy foods for our family to enjoy
With weight and nutrition being known as the culprit in so many health conditions it is impossible to ignore the importance of not only eating healthy ourselves but also of teaching our children the importance of eating healthy. One way to ensure that your loved ones are eating healthy is to make sure that you are cooking healthy and nutritious foods for them.
Many books and magazines are filled with recipes that encourage healthy cooking and eating habits. If you truly love to cook, then there is no shortage of recipes that you can try out along the way. The really good news is that you can incorporate healthy cooking into your cooking routine whether you are cooking for one or a household of ten.
Many will argue that cooking healthy food costs more than cooking the prepackaged foods that pack on the calories and additives. The truth of the matter is that when you compare the costs with the medical bills of the future for failing to do so, they seem rather slight by comparison. Yes, good food costs more money. In many cases, that is a simple fact of life. However, by learning portion control and eating the proper portions, you may discover that you are spending less as you adjust to the proper amounts of food you should be consuming to maintain a healthy and active lifestyle.
Cooking healthy isn’t an overnight change; it is a lifestyle change that should be implemented one step at a time. You do not have to go into your kitchen and throughout every little thing that you deem ‘unhealthy’ only work not to buy more of these items once they’ve been used. Make wiser decisions when purchasing fats for food preparation and you will discover that you’ve made a vitally important step in the process of incorporating healthy cooking and eating habits in your home.
It’s those small steps you take towards your goal of cooking healthy foods for your family that will matter far more than any giant leap. Before you know it, you will find that you all have more energy and a better sense of overall health than you would have imagined before changing your cooking habits.
All of us at Planners Insurance Group would like to wish you a happy and quite love(ly) Valentines Day!
There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, and universal life. In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole life.
Life insurance products for groups are different from life insurance sold to individuals. The information below focuses on life insurance sold to individuals.
Many businesses buy commercial insurance thinking that the policy they have covers most if not all things that might go wrong and cause a loss to their business. That kind of thinking can lead to an uninsured loss.
We take the time to educate ourselves on your risks, and then design an insurance program to meet your needs. Here are examples of insurance coverage options that you should consider.
Business Income and Extra Expense
Commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. To put it another way, business income insurance covers the loss of income that a business suffers after a covered loss, (fire, etc.), while its facility is shut down or in the process of being rebuilt.
Extra expense covers the additional costs, in excess of normal operating expenses, that an organization incurs to continue operations while its property is being repaired or replaced after having been damaged by a covered cause of loss.
Equipment breakdown covers loss due to a mechanical or electrical breakdown of equipment, machinery, including pumps, motors, heater and other kinds of equipment. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Equipment breakdown insurance is increasingly replacing traditional boiler and machinery (BM) insurance, in part simply because the title is more descriptive of the coverage provided.
Let Planners Insurance Group help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Business coverage.