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 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 
You might be surprised to learn that your homeowner’s or renter’s insurance policy probably does not offer full coverage for your engagement ring and other fine jewelry. Your insurance policy probably covers jewelry theft, but not loss that occurs for other reasons.
Typical Insurance Policies
Renter’s and homeowner’s insurance policies set limits for the loss of certain categories of personal property, including jewelry. Homeowner’s policies typically pay a maximum of $1,000 for jewelry theft. A renter’s insurance policy might have a lower limit for jewelry loss–$500 is common. Read more
Filed Under:
Berwyn PA,
Bryn Mawr PA,
Havertown PA,
Local Insurance Agents & Agencies,
Malvern PA,
Newtown Square PA,
Paoli PA,
Serving Chester County PA,
Serving Delaware County PA,
Villanova PA,
Wayne PA,
personal insurance 
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.
Read more
Filed Under:
Ambler, PA,
Ardmore PA,
Bala Cynwyd PA,
Berwyn PA,
Blue Bell PA,
Collegeville PA,
Conshohocken, PA,
Devon PA,
Downingtown PA,
Exterior Home Remodel & Renovation Contractor,
Exton PA,
Gilbertsville, PA,
Glenside, PA,
Hatboro, PA,
Horsham, PA,
Kennett Square, PA,
King of Prussia PA,
Lansdale, PA,
Malvern PA,
Norristown PA,
Paoli PA,
Phoenixville PA,
Plymouth Meeting, PA,
Pottstown PA,
Royersford PA,
Schwenksville, PA,
Serving Berks County PA,
Serving Chester County PA,
Serving Montgomery County PA,
Spring City Pa,
West Chester PA,
Willow Grove, PA 
Getting through the summer sweating it out? Sometimes a fan is not enough. There are dangers that can come with extreme heat and instances with heat stroke can happen to anyone, especially the young and elderly. Heat stroke is an injury to internal organs caused by an excessively high body temperature. It can damage the central nervous system, including the brain, spinal cord, and other organs. Sometimes the outcome is death.
There are many ways to avoid heat stroke and that’s why you need that
comfort to get you through the days. Someone like Comfort Cooling Heating & Air Conditioning. They offer after hours service to get that AC up and running so you don’t have to sweat dangers like heat stroke. Having Heating & Cooling done right with Comfort Heating & Hair Conditioning. Read more
Filed Under:
Berwyn PA,
Commercial Contractors,
Commercial-Industrial Heating, Ventilation & AC Con,
Contractors,
Devon PA,
Downingtown PA,
Exton PA,
Heating & Air Conditioning Contractor,
Malvern PA,
Paoli PA,
Phoenixville PA,
Search for Local Contractors,
Serving Chester County PA,
Serving Delaware County PA,
Wayne PA,
West Chester PA 
Have you noticed that when you drive up your driveway there are cracks that have seemed to get bigger over the months? It is about time to fix all of those cracks in your driveway.
R. Smith Paving Contractor prides themselves on being the acknowledged leader in the Asphalt Paving field and work hard to maintain that premiere position. Perfection is their goal. No job too large or too small. R. Smith Paving Contractor continuing service for over 50 years ensures our commitment to quality. Their estimates are fast and free.
Read more
Filed Under:
Ardmore PA,
Aston PA,
Bala Cynwyd PA,
Berwyn PA,
Blue Bell PA,
Brookhaven PA,
Bryn Mawr PA,
Chadds Ford PA,
Collegeville PA,
Devon PA,
Downingtown PA,
Drexel Hill PA,
Driveways, Sidewalks & Patios Contractor,
Exton PA,
Glen Mills PA,
Havertown PA,
King of Prussia PA,
Malvern PA,
Media PA,
Newtown Square PA,
Norristown PA,
Paoli PA,
Phoenixville PA,
Plymouth Meeting, PA,
Pottstown PA,
Royersford PA,
Search for Local Contractors,
Serving Chester County PA,
Serving Delaware County PA,
Serving Montgomery County PA,
Spring City Pa,
Springfield PA,
Upper Darby PA,
Villanova PA,
Wayne PA,
West Chester PA The sad news is, we can’t always control how much air pollution there is in our cities. The good news is, we can control how much indoor air pollution there is indoors, inside our homes, offices and other indoor areas we use frequently. One of the ways to control indoor air pollution is by regularly cleaning your air ducts.
If air ducts are not installed, maintained and operated correctly, they can become contaminated with dust particles, pollen particles or particles of other debris. Moisture, when present, threatens to provide an environment for microbiological growth, such as mold. Spores from such growth may be released into the air in the home’s living space. Exposure to contaminants like these may cause allergic reactions in people. That’s why many people choose to have their air ducts cleaned. Oliver Heating & Cooling will clean the air ducts in your home. You wont have to worry about allergens in your home. 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,
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,
Search for Local Contractors,
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,
Willow Grove, PA,
Wilmington DE,
main line pa 
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
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,
Gilbertsville, PA,
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,
SR-22 Auto Insurance,
Schwenksville, PA,
Senior Insurance,
Serving Berks County PA,
Serving Chester County PA,
Serving Delaware County PA,
Serving Montgomery County PA,
Springfield PA,
Supplemental Employee Benefits,
Term Life Insurance,
Umbrella/Excess Liability Insurance,
Universal Life Insurance,
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 
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
Filed Under:
Ardmore PA,
Aston PA,
Bear, DE,
Brookhaven PA,
Bryn Mawr PA,
Chadds Ford PA,
Collegeville PA,
Conshohocken, PA,
Downingtown PA,
Drexel Hill PA,
Exton PA,
Gilbertsville, PA,
Glen Mills PA,
Havertown PA,
Hockessin, DE,
Malvern PA,
Media PA,
Newark, DE,
Newtown Square PA,
Norristown PA,
Pottstown PA,
Royersford PA,
Schwenksville, PA,
Serving Berks County PA,
Serving Bucks County PA,
Serving Chester County PA,
Serving Delaware County PA,
Serving Montgomery County PA,
Serving New Castle County, DE,
Serving Philadelphia County PA,
Spring City Pa,
Springfield PA,
Universal Life Insurance,
Upper Darby PA,
Villanova PA,
Wayne PA,
West Chester PA,
Wilmington DE Next Page »
