Business equipment – What will you do when it fails?

Tornadoes and fires may or may not happen to you, but like the human body, from the day it first goes into operation your business equipment begins the journey to its eventual failure. Standard commercial property policies typically don’t protect against unexpected equipment breakdown, and warranties, service contracts and preventive maintenance agreements only cover so much. Adding equipment breakdown coverage can be a valuable part of your business insurance portfolio.


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Caring for your collection: Preventing loss

Collecting can be an enjoyable hobby, an educational pursuit or even a financial investment. So how do you look after a collection now that you’ve assembled one? While every collection is unique and has its own specific needs, you can take some simple loss prevention steps to help protect yours from loss or damage.


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Disability insurance keeps your focus on recovery

While an unexpected death can be devastating to a family, especially if the deceased had no life insurance, an unexpected disability can be equally as devastating. Without disability insurance, the person affected may worry about paying the bills when the primary focus should be on rehabilitation and recovery.


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New federal overtime guidelines under FLSA

EDITOR’S NOTE: A federal judge in Texas issued an injunction on November 22, 2016, that delays the implementation of this rule. Consult with your legal adviser before making changes in your employment policies. For more information about how employment practices liability insurance can protect your business, see your local independent insurance agent. __ A new federal rule for overtime pay that becomes effective December 1, 2016, may increase an employer’s need for EPLI – employment practices liability insurance.


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Training is key to correct fire extinguisher usage

Fire extinguishers can be an effective tool, but only when you select the correct type for your needs; install them in the most effective locations; and learn the proper way to use them. This three-part series covers the basics of fire extinguishers. Part 3 of 3 – Once activated, a fire extinguisher typically provides less than 30 seconds of use. That’s why proper training and application are critical to ensuring effectiveness.


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