In today’s litigious society, even small mishaps can result in large lawsuits. That’s why general liability insurance, along with property and worker’s compensation insurance, is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn’t do) to cause an injury or property damage.
General liability insurance can be purchased separately or as part of a business-owner’s policy (BOP). A BOP bundles property and liability insurance into one policy; however, the liability coverage limits are generally pretty low. Businesses that need more coverage usually purchase liability insurance as a separate policy. The amount of coverage a business needs depends on a couple of factors:
- Perceived risk. Business owners should first consider the amount of risk associated with their business. For example, a business that manufactures heavy machinery is at a greater risk of being sued than a company that manufactures linens, and would therefore need more liability insurance.
- The state in which you operate. Businesses that operate in states with a history of awarding high damage amounts to plaintiffs typically need to carry liability insurance with higher coverage limits. An insurance broker can offer guidance in this area.
Filed Under:
Afinity/Association Insurance Programs,
Agricultural/Farm Insurance,
All Terrain Vehicle (ATV) Insurance,
Annuities,
Ardmore PA,
Aston PA,
Auto/Car Insurance,
Bala Cynwyd PA,
Basic Liability Car Insurance,
Benefit Consultants,
Berwyn PA,
Boats, Marine & Watercraft Insurance,
Brookhaven PA,
Bryn Mawr PA,
Bus/Coach Insurance,
Business/Commercial Insurance,
Chadds Ford PA,
Collegeville PA,
Commercial & Business Insurance,
Commercial Truck Insurance,
Condominium Insurance,
Conshohocken, PA,
Contractors Insurance,
Dental Insurance - Individual,
Devon PA,
Disability/Income Replacement Insurance,
Downingtown PA,
Drexel Hill PA,
Earthquake Insurance,
Employee Benefits/Group Insurance,
Exton PA,
Financial Services,
Fleet Vehicle Insurance,
Flood Insurance,
General Liability Insurance,
Glen Mills PA,
Group Dental Insurance,
Group Disability/Income Replacement - Long Term,
Group Health Insurance,
Group Identity Theft Protection Plans,
Group Life Insurance,
Group Long Term Care,
Group Orthodontics Plans,
Group Pre-Paid Legal Plans,
Group Prescription Drug Plans,
Group Vision Insurance Plans,
Havertown PA,
Health Insurance for Seniors,
High Risk Auto Insurance,
Home Health Care Insurance,
Homeowners Insurance,
Horsham, PA,
Identity Theft Protection Plans,
Internation Travel Insurance,
Lansdale, PA,
Life Insurance,
Life Insurance for Seniors,
Limousine Insurance,
Local Insurance Agents & Agencies,
Long Term Care Insurance,
Malvern PA,
Media PA,
Medicare Supplement Insurance,
Mortgage Insurance,
Motorcycle Insurance,
Newtown Square PA,
Norristown PA,
Nursing Home Care Insurance,
Online Insurance Quotes,
Paoli PA,
Pet Related Employee Benefit Programs,
Phoenixville PA,
Pottstown PA,
Pre-paid Legal Plans,
Prescription Drug Plans,
Prescription Drug Plans-Individuals,
Recreation Vehicle RV Insurance,
Rental Property Coverage,
Renters Insurance,
Royersford PA,
SR-22 Auto Insurance,
Schwenksville, PA,
Senior Insurance,
Serving Berks County PA,
Serving Chester County PA,
Serving Delaware County PA,
Serving Montgomery County PA,
Spring City Pa,
Springfield PA,
Supplemental Employee Benefits,
Term Life Insurance,
Umbrella/Excess Liability Insurance,
Universal Life Insurance,
Upper Darby PA,
Variable Universal Life Insurance,
Villanova PA,
Vision/Glasses Plans,
Wayne PA,
West Chester PA,
Whole/Permanant Life Insurance,
Workers Compensation Insurance,
disability/income replacement - short term,
personal insurance 
Building automation systems (BASs) can be a powerful tool for commercial-building energy managers, but some managers are unsure about the prospective energy-savings benefits and first costs. A BAS by Oliver Heating & Cooling might go into a building that has no existing system, replace outdated pneumatic controls, or replace an existing direct digital control system. It’s possible, however, to make some generalizations about savings potential and costs. This can give energy managers who are considering BAS implementation a place to start—and help them work with energy providers to attain financial support.
Some of the most common strategies that BASs uses to cut energy costs include: Read more
Filed Under:
Ambler, PA,
Ardmore PA,
Aston PA,
Bala Cynwyd PA,
Bear, DE,
Berwyn PA,
Blue Bell PA,
Brookhaven PA,
Bryn Mawr PA,
Chadds Ford PA,
Claymont DE,
Collegeville PA,
Commercial Contractors,
Conshohocken, PA,
Contractors,
Devon PA,
Downingtown PA,
Drexel Hill PA,
Exton PA,
Gilbertsville, PA,
Glen Mills PA,
Glenside, PA,
Hatboro, PA,
Havertown PA,
Heating & Air Conditioning Contractor,
Hockessin, DE,
Horsham, PA,
Kennett Square, PA,
King of Prussia PA,
Lansdale, PA,
Malvern PA,
Media PA,
Middletown, DE,
Newark, DE,
Newtown Square PA,
Norristown PA,
Paoli PA,
Phoenixville PA,
Plymouth Meeting, PA,
Pottstown PA,
Royersford PA,
Schwenksville, PA,
Serving Chester County PA,
Serving Delaware County PA,
Serving Montgomery County PA,
Serving New Castle County, DE,
Spring City Pa,
Springfield PA,
Upper Darby PA,
Villanova PA,
Wayne PA,
West Chester PA,
Western Mainline, PA,
Willow Grove, PA,
Wilmington DE,
main line pa 
Rick LeCates Insurance Services is Your Mortgage Protection Specialist. His mission is to provide his clients with access to innovative coverage options from the nation’s top-ranked carriers. Rick LeCates meets with his clients in their home rather than a branch office. In doing this, he gets to know families on a personal level to understand their specific wants and needs. In this way, he can customize the right coverage plan that fits your budget comfortably.
Whatever your need, Rick will work with you one-on-one to answer your questions, explore the options, and find the best solution. Services such as Accidental Death Protection, Term Life Insurance, or Immediate Annuities, he offers that and more. Give him a call today and let him help you protect the ones you love. Read more
Filed Under:
Berks County PA,
Businesses,
ByTheZip.com Local Search,
Chester County PA,
Delaware County PA,
Downingtown PA,
Exton PA,
Financial Services,
Insurance,
Local search,
Media PA,
Phoenixville PA,
Ratings and Reviews,
SEO,
Search Engine Optimization,
Search by County 
Have you tried the charbroiled burgers and chicken at Pizza Heaven? All of Pizza Heaven’s deluxe sandwiches are served with creamy coleslaw, pickle and crispy french fries. Or opt for a lighter fare with one of their Greek Specialties: Gyros, Souvlaki, Baklava!
Stop by for a super-fast business lunch or order pizza ahead so it will be ready for you! Carry-outs are always available. Read more
Filed Under:
Businesses,
ByTheZip.com Local Search,
Delaware County PA,
Drexel Hill PA,
Havertown PA,
Local search,
Online Coupons,
Online Deals,
Press Release,
Ratings and Reviews,
Restaurants,
SEO,
Search Engine Optimization,
Search by County,
Springfield PA,
Upper Darby PA Indoor Air has been found to be up to 70 times more polluted than outdoor air. Most people spend 90% of their time indoors. More than 50 million Americans suffer from allergies! HVAC Systems can trigger these health conditions and HVAC Systems Cleaning by a qualified contractor can remove allergens like mold and dust from the HVAC System providing improved air to the building occupants.
The EPA states clean ductwork is part of the “Standard of Care” for maintaining acceptable indoor air quality. Increasingly facilities are having their HVAC Systems cleaned due to concerns over occupant health, comfort, and safety. There are numerous other reasons to have a building’s HVAC System cleaned. Read more
Filed Under:
Ambler, PA,
Ardmore PA,
Aston PA,
Bala Cynwyd PA,
Bear, DE,
Berwyn PA,
Blue Bell PA,
Brookhaven PA,
Bryn Mawr PA,
Businesses,
ByTheZip.com Local Search,
Chadds Ford PA,
Chester County PA,
Claymont DE,
Collegeville PA,
Commercial Contractors,
Commercial/Industrial Heating, Ventilation & AC,
Conshohocken, PA,
Delaware County PA,
Devon PA,
Downingtown PA,
Drexel Hill PA,
Exton PA,
Gilbertsville, PA,
Glen Mills PA,
Glenside, PA,
Hatboro, PA,
Havertown PA,
Hockessin, DE,
Horsham, PA,
King of Prussia PA,
Lansdale, PA,
Local search,
Malvern PA,
Media PA,
Middletown, DE,
New Castle County DE,
Newark, DE,
Newtown Square PA,
Norristown PA,
Paoli PA,
Phoenixville PA,
Plymouth Meeting, PA,
Pottstown PA,
Ratings and Reviews,
Royersford PA,
Schwenksville, PA,
Search by County,
Spring City Pa,
Springfield PA,
Upper Darby PA,
Villanova PA,
Wayne PA,
West Chester PA,
Western Mainline, PA,
Willow Grove, PA,
Wilmington,DE,
main line pa,
montgomery county pa 
Humans aren’t the only ones who can enjoy the Happy Hour. That’s right, every third Thursday of the month, Trappe Feed & Pet Supply host a Doggie Happy Hour from 6-8pm. There, your companion can enjoy food samples while socializing with other four-legged friends. Don’t worry; there are treats for the owners too. Find out more and contact Trappe Feed & Pet Supply today! Read more
Filed Under:
Businesses,
ByTheZip.com Local Search,
Chester County PA,
Collegeville PA,
Local search,
Norristown PA,
Online Coupons,
Online Deals,
Pets & Animals,
Phoenixville PA,
Pottstown PA,
Ratings and Reviews,
Royersford PA,
SEO,
Schwenksville, PA,
Search Engine Optimization,
Search by County,
montgomery county pa Oliver Heating & Air Conditioning knows that carbon monoxide concentrations as low as 9 parts per million can adversely effect your health (most carbon monoxide detectors have a sensitivity to concentrations above 70 ppm). Additionally, in many homes “negative pressure” exists that prevents CO from escaping normally. They test the air
and appliances in your home and install fan-assisted combustion air delivery equipment to correct any pressure imbalances.
Carbon monoxide can come from many different sources, including heating systems, stoves, fireplaces, and water heaters. Since the standard carbon monoxide monitor can not detect the low levels of carbon monoxide that these appliances can produce, the detection process of a Certified Analyst is critical. Read more
Filed Under:
Ambler, PA,
Ardmore PA,
Aston PA,
Bala Cynwyd PA,
Bear, DE,
Berwyn PA,
Blue Bell PA,
Brookhaven PA,
Bryn Mawr PA,
Chadds Ford PA,
Claymont DE,
Collegeville PA,
Commercial Contractors,
Commercial-Industrial Heating, Ventilation & AC Con,
Conshohocken, PA,
Contractors,
Devon PA,
Downingtown PA,
Drexel Hill PA,
Exton PA,
Gilbertsville, PA,
Glen Mills PA,
Glenside, PA,
Hatboro, PA,
Havertown PA,
Hockessin, DE,
Horsham, PA,
Kennett Square, PA,
King of Prussia PA,
Lansdale, PA,
Malvern PA,
Media PA,
Middletown, DE,
Mold/Radon/Air Quality Services,
Newark, DE,
Newtown Square PA,
Norristown PA,
Paoli PA,
Phoenixville PA,
Plymouth Meeting, PA,
Pottstown PA,
Royersford PA,
Schwenksville, PA,
Serving Chester County PA,
Serving Delaware County PA,
Serving Montgomery County PA,
Serving New Castle County, DE,
Spring City Pa,
Springfield PA,
Upper Darby PA,
Villanova PA,
Wayne PA,
West Chester PA,
Western Mainline, PA,
Willow Grove, PA,
Wilmington DE,
main line pa
