Understanding General Liability Insurance!
August 4, 2008 by admin · 5 Comments
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.
Cut Energy Costs with Oliver Heating & Cooling
August 4, 2008 by admin · 16 Comments
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 A BAS by Oliver Heating & Cooling might go into a building that has no existing system, replace outdated pneumatic controls, or replace an existing direct digital control system.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
A Simple Test from Oliver Heating and Cooling Can Spot Carbon Monoxide Danger!
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
Does your insurance policy cover jewelry loss for reasons other than theft?
July 31, 2008 by admin · 3 Comments
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
Do You Have Renters Insurance?
This may come as a surprise to you, but did you know your landlord’s insurance does not cover your personal property? Your clothes, jewelry, stereos, televisions, bicycles, computers, furniture, artwork and other valuable possessions are not protected against loss or destruction.
Renters insurance from Peterson Insurance Services Havertown, protects your personal property at home and away from home against the following hazards: fire, smoke or lightning, burglary or vandalism, riot or civil commotion, explosion or electrical surge damage, windstorm or hail, falling objects, and other hazards detailed in policy. Read more
Don’t Sweat Heat Stroke this Summer
July 31, 2008 by admin · 2 Comments
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 moreGet a Free Estimate on Your New Drive Way
July 31, 2008 by admin · Leave a Comment
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.
Control Indoor Air Pollution. Have Your Air Ducts Cleaned by Oliver Heating & Cooling
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
Questions about Long Term Care Insurance?
July 30, 2008 by admin · 3 Comments
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
July 30, 2008 by admin · Leave a Comment
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
