Winterize Jet Skis in a Few Simple Steps

Personal Watercraft

Jet skis are common summertime toys for use on the water. Rental companies use personal watercraft rental insurance to keep losses at bay. Use these tips to winterize the jet skis so they can enjoy another summer of fun without added costs.

Water Removal

The first thing to do is to remove any excess water from the watercraft prior to storage. Follow the instructions on the owner’s manual to remove the water from the cooling system. Then clean the jet ski using mild soap and finish with a fresh coat of wax. Remove excess grime from the bilge area to prep it for the coming year. read more

Hilb Group

As a manufacturer, it’s vital that you carry adequate insurance coverage to protect your investment. As you contact various agents and build out your coverage, here are three simple liability coverages that you should plan to include in your policy.

General Liability Insurance

General liability protects you against third party lawsuits arising from everyday business activities. This can range from a potential client injuring themselves during a tour of your facility to a visitor’s car getting damaged in your parking lot. With the right coverage, you’ll be able to cover any legal fees and liabilities arising from such cases. read more


For businesses that work with independent contractors, the subject of insurance and liability can be complex. For instance, if you own a construction company, odds are you have independent contractors. You may be wondering, can an independent contractor drive a company vehicle? While some contractors have their own vehicles, you may need them to drive the company vehicle from time to time. Here is what you need to know.

Are Contractors Insured?

It is best to have independent contractors carry their own insurance, according to the experts at Daniels Insurance. This is because independent contractors are generally not covered under your business auto insurance. It might seem easier to let your contractor’s drive the vehicles for the company, you do need to take extra care. If something happens or if they are in an accident, they may not have the coverage necessary. If you want your contractors to drive the company vehicles, you need to require that they carry insurance. read more

insurance agency

Being able to call yourself a business owner is an exciting new beginning, but remember that that’s exactly it: A beginning. There is still much to consider even after you’ve obtained your merchant’s license and registered a name with your state — that is, after you’ve given your license a nice frame!

Be Covered

Whether you are opening a restaurant or cannabis supply store, you need the right kind of insurance that is appropriate for your business. If you sell only glassware, for example, would a food spoilage package be relevant for you? Likely not. Understand the difference between specialty insurance programs and all other kinds of insurance and speak to an agent to help guide you; is a great place to start if you’ve got questions. read more

modification management : Know About Ex Mod Insurance

Workers’ compensation insurance is a critical component of all business insurance policies. What many business owners don’t know, however, is how the cost of their coverage is calculated. Why do some companies pay higher premiums than others? Part of it has to do with your ex mod rating. Here’s what you should know about ex mod and how it impacts your workers’ comp insurance cost.

What Is Ex Mod Insurance?

Also known as Experience Modification Rate, it is a score assigned to you by the Workers’ Compensation Rating Bureau that helps to determine the total cost of your workers’ compensation insurance. Simply put, it’s a factor that takes into account your previous claims history when calculating your premium. read more

Caitlin Morgan Insurance

Residents and their families take great care in choosing an independent living facility. In addition to protecting your business with independent living facilities coverage, you can take steps to make sure your facility meets the needs of residents. Happy residents stay longer and contribute to free advertising.


The insurance firm Caitlin Morgan Insurance states these senior housing communities do not require on-site nursing staff or medical care. While the residents may live independently, they may no longer drive. Offering transportation services to doctor’s appointments along with local attractions makes your facility attractive. read more

Real Estate

The real estate business has made quite the comeback since a 2009 low. Investment property insurance can help you protect those investments. These strategies can help you jump into the real estate market.

Undiscovered Location

Undiscovered cities may offer a better investment, especially for new investors. Smaller markets may offer better deals than crowded big markets. The insurance firm Moody Insurance Worldwide states even vacant properties can receive protection.

Wholesale Investing

Investing in wholesale real estate reduces the turnaround time without the sweat equity of other options. Other investors use wholesalers to find and purchase property without spending the search time. read more

Business travel accident insurance provides protection for your employees and supervisors when traveling as part of their role at the company, providing you with a key protection for the personnel you need to send wherever opportunity presents itself. Travel accident policies are designed to fill the gaps in coverage that are created during travel, gaps that employees with a static workplace don’t encounter. This provides peace of mind for yourself and your employees, so they can focus on the business at hand whether you are sending them to close a deal, support a client, or deliver a presentation. read more

questions to ask references

Performing a throughout check on a potential employee is part of a staffing company’s due diligence. Knowing which questions to ask references means you can obtain a full understanding of someone’s ability to complete the necessary work of a new job.

Topics To Discuss

Apart from identifying yourself and the position an employee applied for, you should also inquire how the reference knows the candidate so you can verify the information as a professional reference rather than a personal friend. When you are conducting reference checks, you should always ask about the following aspects of the potential employee: read more

David Sayles Insurance

As a business owner, you want to be sure your company is well-protected. Part of that protection is having enough insurance coverage. Insurance policies are typically complicated and can sometimes be hard to understand. For example, on the surface, an umbrella policy and excess liability policy look much the same. They’re actually much different, though. According to David Sayles Insurance, here is the difference in umbrella vs. excess liability insurance.

Umbrella Policy

An umbrella policy provides more insurance than a traditional liability policy and covers a wider variety of situations. Sometimes, it even has a worldwide coverage territory. However, the specifics of umbrella policies depend on the insurance agency, so it is best to ask about the coverage rather than make assumptions. read more

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