Understanding General Liability Insurance!

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.

Home Improvements That Will Increase The Value of Your Home

Increase the value of your home by making simply renovations, like new siding and a new roof.  Curb appeal is the first thing that will attract someone to your house.  

Stauffer Construction has been renovating some of the most beautiful homes.  From the inside to the outside of each and every home, they sure know how to make the neighbors jealous.  From roof replacement to window installation, Stauffer Construction can do it all and at the same time make it affordable for most homeowners.

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Questions about Long Term Care Insurance?

Long-term care insurance (LTC or LTCI) helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs). Long-term care isn’t necessarily long term. A person may need care for only a few months to recover from an accident, surgery or illness. As an individual ages, there is an increased risk of needing long-term care. Read more

What Can Universal Life Insurance Do For You

Universal Life Insurance, also called “Flexible Premium Adjustable Life Insurance,” entered the life insurance market in the early 1980s as a more flexible version of Whole Life Insurance. Like Whole Life Insurance, Universal Life Insurance features a savings element that grows on a tax-deferred basis. A portion of your premiums are invested by the insurance company in bonds, mortgages and money market funds. The return on the investments is credited to your policy tax-deferred. A guaranteed minimum interest rate applied to the policy (usually around 4%) means that, no matter how the investments perform, the insurance company guarantees a certain minimum return on your money. If the insurance company does well with its investments, the interest rate return on the accumulated cash value will increase. Universal Life allows you to choose from two death benefit Read more

Did you think about Renters Insurance?

Renters face the same risk as homeowners in cases of disasters striking their dwelling. Your landlord or condo association may have insurance, but this only protects the building, not your things in it. Renters insurance can protect your belongings in case of disaster.

There are several types of residential insurance policies and generally, these cover losses to your personal property from 16 types of perils:

·        Fire or lightning

·        Windstorm or hail

·        Explosion Read more

Gables Tree Service & Landscaping - Your Local Tree Expert

Trees are an important and attractive feature of the urban environment. While trees can be very attractive they can sometimes cause damage, especially as they mature. Gables Tree Service & Landscaping can help you maintain the borough’s tree cover by securing trees that have to be felled. If you are in doubt about what kind of care your tree requires either consult an expert at Gables Tree Service & Landscaping or visit them online. Read more

How To Check For A Leaky Roof

Key Construction would like to help you inspect you roof. There are a few steps to take if you suspect you roof is leaking. 

1. Go into the attic space during a rainstorm and inspect all the rafters or trusses with a flashlight. Look for damp or wet areas and mark them with a black felt marker. Read more

Tips to Prevent Further Fire Damage

The Specialists at Scavello Restoration would like to give you these tips to help you prevent further damage to you home after a fire.

• Immediately turn off heating and air conditioning system to prevent spreading of soot and odor. If it is necessary to use the system, change the filter first. Read more
  Filed Under: Fire/Smoke/Water Damage Restoration Contractor, Search for Local Contractors, Serving Berks County PA
  

  Keep the Army of Pest Intruders out of Your Home

  July 21, 2008 by admin · 4 Comments 

  Regardless of how new or clean your home is, there is an army of intruders just waiting for a chance to get inside.  Pests like to be indoors for the same reasons you do - warmth, food, water and shelter.  They also have a number of ways to get in.  Read more

  Filed Under: Ambler, PA, Ardmore PA, Bala Cynwyd PA, Blue Bell PA, Collegeville PA, Conshohocken, PA, Downingtown PA, Exton PA, Gilbertsville, PA, Glenside, PA, Hatboro, PA, Horsham, PA, King of Prussia PA, Lansdale, PA, Malvern PA, Norristown PA, Pest & Termite, Phoenixville PA, Plymouth Meeting, PA, Pottstown PA, Royersford PA, Schwenksville, PA, Search for Local Contractors, Serving Berks County PA, Serving Chester County PA, Serving Delaware County PA, Serving Montgomery County PA, Spring City Pa, Willow Grove, PA
  

  Get Rid of the Mold in Your Home

  July 17, 2008 by admin · Leave a Comment 

  Basement and crawlspace mold requires three things to grow and multiply.  It requires dampness, warmth, and a food source.  Remove one of more of those sides of the triangle and you will have no more mold.  That is exactly what Aqua Technology dose.  Aqua Technology can make sure to get rid of the dampness as well as the “mold food” like the Read more

  Filed Under: Basements, Foundations & Waterproofing Contractors, Contractors, Mold/Radon/Air Quality Services, Search for Local Contractors, Serving Berks County PA, Serving Lancaster County PA, Serving Lehigh County PA, Serving Northampton County PA
  

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