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CTRP http://www.ctrp.org Fri, 09 Oct 2015 14:16:37 +0000 en-US hourly 1 Protect Your Business with The Right Business Insurance Policies http://www.ctrp.org/insurance/protect-your-business-with-the-right-business-insurance-policies/ http://www.ctrp.org/insurance/protect-your-business-with-the-right-business-insurance-policies/#comments Mon, 05 Oct 2015 16:15:29 +0000 http://www.ctrp.org/?p=690 Business insurance, to be truly effective, needs to be personalized and tailored to suit the individual business. If you have general liability insurance, that is a good start, but you need to consider including in your business insurance in Sparta, New Jersey policies to protect all aspects of your business. A packaged policy may include business property insurance as well as business auto insurance. You will want to be certain that you are broadly protected so your company can flourish even in the face of upsets or unexpected circumstances.

Business Property Insurance

To protect your company’s buildings and the contents of those buildings, you need a comprehensive business property policy. The offices, storage units, garages, and residential buildings included in your business can all be protected from fire, theft, vandalism, and storm through proper insurance. It may be advisable for you to get business insurance in Sparta, New Jersey that is combined with other policies to help reduce the expense for the coverage.

Business Auto Insurance

Don’t ignore the automobiles among your business property. Thorough coverage for commercial automobiles requires proper business auto insurance. Protect your company vehicles from fire, theft, and accidents. These vehicles will typically need to have additional insurance that will cover damages caused by someone who may not have enough insurance.

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Insurance for Construction Management Risk http://www.ctrp.org/insurance/insurance-for-construction-management-risk/ http://www.ctrp.org/insurance/insurance-for-construction-management-risk/#comments Sun, 04 Oct 2015 12:00:19 +0000 http://www.ctrp.org/?p=687 Commercial insurance is much different than personal policies. Your business insurance has to meet the specific risks of your industry. This takes an agent who knows and understands insurance and the specifics of your business. When you have construction management risk, you need a policy that provides coverage to mitigate the damage in case something happens.

Construction management risk insurance covers errors and omissions in the performance of providing professional services. Unfortunately, things can go wrong when undertaking a project, especially one that has multiple parts and subcontractors. Even when everyone is as diligent as possible, human error is just a fact of life. Instead of losing sleep over the many things that can go wrong, get the insurance that provides the protection your business needs.

Contractors and sub-contractors are often liable for actions outside of their control because the client may sue everyone involved when there is a problem. Even if you’re ultimately found not at fault, the cost of your defense could be monumental. Your insurance helps you provide the defense you need.

Don’t risk your construction business without the right insurance policies that provide construction management risk. Work with a professional company that understands your liabilities and will be there when you do need to file a claim. Trust your future with an insurance portfolio that gives you peace of mind and lets you sleep at night.

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Safety, Maintenance, and Connecticut Homeowners Insurance http://www.ctrp.org/insurance/safety-maintenance-and-connecticut-homeowners-insurance/ http://www.ctrp.org/insurance/safety-maintenance-and-connecticut-homeowners-insurance/#comments Sat, 03 Oct 2015 11:30:36 +0000 http://www.ctrp.org/?p=684 When choosing a Connecticut homeowners insurance policy you should stop to consider your own comfort level. After all, you’re able to choose your deductible level, which is the amount you’ll pay out of your pocket when you have a claim, or you may opt for a higher deductible that can lower your monthly premiums significantly. However, you might be more comfortable paying a higher premium each month for greater peace of mind should an unfortunate incident take place and your home ends up in need of repairs.

Obviously the choice is yours to make. Your Connecticut homeowners insurance company can provide a variety of premium/deductible scenarios, any of which may best suit your current needs.

Safety translates into savings

You can likely save money through added safety measures. For example, you may be able to save on insurance premiums by looking into safety and prevention features that agencies often feel merit a discount. Consider purchasing monitored security alarms, and take added precautions, such as installing deadbolt locks, which can make your home less accessible to thieves. Having accessible fire extinguishers on hand is another good addition to the home, reducing the risk of severe flame and/or smoke damage.

Preventive maintenance is its own reward

Even though a home insurance policy is designed to repair or replace your property in the event of an unexpected major loss, individuals who repeatedly file claims for minor problems may face the possibility of paying higher premiums. Conducting preventive maintenance on your home by repairing small problems instead of relying on insurance coverage can help avert more substantial losses down the road.

A number of providers offer home warranty coverages more suitable for maintenance needs involving appliances, or plumbing and other regularly needed repairs and replacements. Also, keep your records current so that if you do end up having to file a major insurance claim, having up-to-date records of your home’s contents and structural condition can be invaluable during the claims process.

Remember to inform your insurance company (since it may affect the replacement cost of the home), if you’ve made any significant renovations to the home at any time after moving in, and also take an inventory of your belongings including how much you paid for each item and its current value. Make a recording of your possessions with pictures or a video camera and store the records outside of your home where they’re less likely to be destroyed in a disaster. When trouble strikes it’s always good to know your Connecticut homeowners insurance agent will be by your side.

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Reduce the Cost of Dog Bite Liability Coverage http://www.ctrp.org/insurance/reduce-the-cost-of-dog-bite-liability-coverage/ http://www.ctrp.org/insurance/reduce-the-cost-of-dog-bite-liability-coverage/#comments Fri, 02 Oct 2015 14:45:51 +0000 http://www.ctrp.org/?p=681 So you succumbed to the cuteness… and you couldn’t resist the recent “Clear the Shelters” event, where the local animal shelters were greatly reducing or even waiving their fees in an attempt to get every orphaned animal a forever home. That ‘doggy in the window’ was only $15 bucks, and between that, the pleading brown puppy eyes, and the sweet furry face (not to mention the acute begging and pleading campaign launched by the kids over the past two weeks), you brought home Skipper, a six-month-old German shepherd. Now you’re shopping for all kinds of accessories, but make sure your shopping list includes dog liability insurance quotes. After all, consider that approximately $413 million in claims was spent on paying for bite-related situations, with the injured party receiving an average of more than $26,000-and these amounts have increased by nearly 37 percent in the past decade.

What can help your rates (or hurt them)

This coverage can become your best friend, Skipper notwithstanding, protecting you from financial responsibility in the event your pet injures someone. Consider that rates could be lower based on:

The type of dog you have. Sorry, Skippy-but German Shepherds (as well as Chow Chows, Malamutes, American Pit Bulls, and Doberman Pinschers) are among the breeds considered by insurance companies to be more likely to cause an injury, and thus coverage may cost more.

A prior history. If the animal you select is known to have bitten someone before, the policy to protect you from liability could be higher.

Good breeding, quite literally, is a factor-the dog’s, not yours. In some cases, premiums could be higher if a dog has been bred without the proper training. In some cases, an insurer may require that you take the pet to obedience training before agreeing to offer coverage.

What to do next?

For starters, lay in a good quantity of wee-wee pads until you get the housebreaking down pat. Then, call your professional insurance agent to learn more about dog liability insurance quotes. Your agent can access the leading providers of this type of protection and offer guidance on what companies offer you the most comprehensive coverage for the best premium. Call your agent today.

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The BOP Policy Offers Solid Protection to Small Businesses http://www.ctrp.org/insurance/the-bop-policy-offers-solid-protection-to-small-businesses/ http://www.ctrp.org/insurance/the-bop-policy-offers-solid-protection-to-small-businesses/#comments Thu, 01 Oct 2015 12:30:10 +0000 http://www.ctrp.org/?p=674 As a convenience, many insurance companies offering business insurance policies sell combined protection from several of the major property and liability risks that business owners face. The business owners policy (BOP) is a package purchased by plenty of small and mid-sized businesses that was created for companies that will potentially face the same types of exposures and degree of risk. Larger companies might consider a commercial package policy (or customize their policies) to meet the special risks that they face.

Insurers, MGAs and Program Administrators use a rating system that enables them to calculate and provide their agents with the best rates to then present to their customers. The rating system analyzes the different rates currently available and allows for the quickest insurance solutions for all parties.

Which policies make up a Business Owners Policy?

A BOP generally includes property insurance for buildings and contents owned by the company. There are two different forms, standard, and special, which provides more comprehensive coverage. A business interruption policy is generally included, which covers the loss of income that could result from a fire or other catastrophic event that disrupts the business for any length of time. It will include any extra expense associated with having to operate out of a temporary location.

Liability protection is another important feature and covers the company’s legal costs when a claim is made for any harm that was caused to others. This includes any injury or loss as a result of actions that a business owner, representative, or employee does, or fails to take, in the course of business operations that may cause bodily injury or property damage due to defective products, faulty installations, or errors in services provided.

There are several areas requiring insurance that are not covered by a BOP, including professional liability, auto insurance, worker’s compensation, or health and disability insurance. These require separate insurance policies to cover these particular exposures. Regardless of the type of company being operated, the business owners policy is an integral part of any successful business. Running an enterprise without adequate amounts of insurance is a risk not worth taking.

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Tips on Acquiring New Jersey Commercial Auto Insurance http://www.ctrp.org/insurance/tips-on-acquiring-new-jersey-commercial-auto-insurance/ http://www.ctrp.org/insurance/tips-on-acquiring-new-jersey-commercial-auto-insurance/#comments Wed, 30 Sep 2015 12:30:44 +0000 http://www.ctrp.org/?p=671 It’s important to make the right insurance choices since they can have a significant impact on your operational costs as a small business owner. Hence, we would like to offer some basic tips to small businesses for purchasing or updating their New Jersey commercial auto insurance coverage.

It’s a well-known fact that all motorized vehicles, whether used for personal or business purposes, need to be covered by an auto insurance policy. Automobile liability insurance covers medical expenses for injured persons and damages to the property of other individuals as a result of a motor vehicle accident caused by the insured’s negligence.

The types of coverage provided by personal and commercial auto insurance policies are essentially the same, however there are some important distinctions. Typically, a commercial auto insurance policy will provide higher liability limits, for example $1 million dollars in coverage. They also may have provisions that cover rented and other non-owned vehicles, including in some cases, employees’ cars driven for company business.

Determining whether a personal or commercial policy is appropriate is based upon several factors related to ownership and the use of the vehicles. This is dependent upon who owns or leases the vehicle, individually owned or the business as an entity; who drives the vehicle, the owner or employees, and just how the vehicle is principally used (for example, transporting people, delivering packages or carrying hazardous materials).

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some different types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered as well.

Hired/Non-owned auto liability concerns

If you are renting cars or your employees are using their own vehicles then this particular policy provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle that is used for company business. Oftentimes this coverage can be added, at little added expense, to a business auto policy, or in some cases, a general liability policy.

Use of personal vehicles is generally a risky proposition, and employees who use their own personal cars for business purposes risk the likelihood that their insurer will not cover any damages sustained while using their personal auto for work-related purposes. Speak to an agent about any questions pertaining to New Jersey commercial auto insurance and your company’s needs.

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Contact Plan Good for Keeping Tabs on Employees and Insurance Rates http://www.ctrp.org/insurance/contact-plan-good-for-keeping-tabs-on-employees-and-insurance-rates/ http://www.ctrp.org/insurance/contact-plan-good-for-keeping-tabs-on-employees-and-insurance-rates/#comments Tue, 29 Sep 2015 17:00:24 +0000 http://www.ctrp.org/?p=677 Keeping things operating smoothly at all times is at the top of the list of good practices for most any organization. With the challenges your company faces-from rising costs of labor, materials and other purchases, managing customer relationships, and of course figuring out who keeps insisting on cooking fish in the lunchroom microwave, much to everyone’s disgust. But those are the daily ins and outs of running your firm, and you also need to have some good strategies in place in the event of an emergency. Doing so can not only help limit employee or customer injuries as well as damages to your property, it can help you get back on your feet more quickly after an incident, and it could even help you save on New York business insurance.

There are four steps in establishing emergency plan:

  • Securing support from upper management – this will help ensure full participation among all employees
  • Establishing a team – these are the leaders who will devise and implement the plan
  • Determining the kind of dangers and capabilities that exist and are likely to affect your company – are you in a flood zone, on an earthquake fault line, or in a high-rise with limited options for exit in the event of a fire? Do you have workers with mobility issues, or people who have training in CPR?
  • Developing a plan and putting it in motion – and don’t forget that occasional practice is essential.

Exercise your plan options

Start with the basics – getting a hold of your employees in the aftermath of an emergency. One company’s plan, rightly so, stated that the fundamental task was to take a virtual roll call of all employees and determine that everyone was safe and accounted for, no matter where they were. The task hinged on simple communication, yet management found the task was not so simple. When they conducted a phone tree exercise when each level of management was responsible for calling its direct reports and so on down the line, nearly 30% of employees were unreachable. Their first order of business following the failed exercise: requiring that everyone update all manner of contact and provide redundancies, from landlines to cell phones, addresses, email, as well as multiple emergency contact numbers, including one that was out of state. The next time the exercise was run, management was pleased that 100% connection was realized.

Talk to your professional insurance agent about emergency response plans that you can adopt to help keep your firm’s greatest asset-your employees-connected. Your agent can also ensure that you have a New York business insurance program that will offer the best protection whenever and whatever might occur.

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Shipping Goods Using an ATA Carnet http://www.ctrp.org/insurance/shipping-goods-using-an-ata-carnet/ http://www.ctrp.org/insurance/shipping-goods-using-an-ata-carnet/#comments Thu, 17 Sep 2015 14:00:49 +0000 http://www.ctrp.org/?p=662 A carnet, or “ATA carnet” is a customs document that simplifies the process of clearing customs when temporarily bringing goods into a foreign country. The carnet, also often referred to as the “merchandise passport”, provides a way to ship certain merchandise, exempt from paying duties and taxes (including value-added taxes) to foreign customs for those goods, since the goods being shipped are not intended to stay in the country for more than one year’s time. Manufacturers of all types of goods use carnets, including the following:

  • Clothing companies
  • Art galleries
  • Jewelers
  • Orchestras, and many other businesses and institutions

Companies or individuals shipping professional and expensive gear and/or items will generally utilize this shipping service. However, carnets cover virtually all types of goods, whether it’s ordinary goods used in the course of operating a normal business, or items that are unique or exotic, such as a rare piece of art (museums) or live animals (circuses).

The word carnet (pronounced “car-nay”) comes from “ATA Carnet”. “ATA” is an acronym for “Admission Temporaire/Temporary Admission” which is a combination of both French and English terms. Over 90 countries and territories worldwide accept carnets, promoting international travel and business. Each country has its own organization that is in charge of the carnet process and oversees the use of carnets for shipping goods.

Carnets are not useful for those who ship food, other perishable items

The ATA carnet can also be used for commercial road vehicles, aircrafts, and even pleasure boats. Because the carnet covers only items to be temporarily exported, it cannot be used for goods that will be consumed in another country, such as food items, plants or other perishables.

The ATA carnet holder (that is, the company or individual named on the green cover page of the carnet document) is responsible for the payment of any customs claims should they become due as a result of misusing the carnet. Even those fortunate enough to have a carnet bond as their security for the goods in transit will still be responsible and required to pay any claims related to the merchandise being transported. Speak to an insurer familiar with this process if you have questions or concerns.

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The Age of Insurance Agent Marketing http://www.ctrp.org/insurance/the-age-of-insurance-agent-marketing/ http://www.ctrp.org/insurance/the-age-of-insurance-agent-marketing/#comments Thu, 27 Aug 2015 16:00:30 +0000 http://www.ctrp.org/?p=652 In the age of technology where everyone is now entrenched on the information highway, insurance agents need to fully realize that developing a social media strategy is perhaps the best avenue to take in creating a solid “Insurance Agent Marketing” strategy. They are faced with the unique challenge of simultaneously developing their own local brand identity while creating a stage for the insurance company’s brand and the promise for a better customer experience.

Social media is now a primary tool for getting the word out about the newest services, latest advances in products, and discounts and money-saving plans, while at the same time agents now have an even greater opportunity to make a name for themselves as a local expert within their communities.

Making good use of social media outlets

As an agent, it’s important to understand your place in the social landscape. It’s constantly changing and it’s therefore important to determine which channels are best suited for your firm. Different platforms attract your potential customers and it helps to know which ones they’re already using and which of those provide the best opportunity for you to deliver your message.

New platforms like Vine, Instagram and Snapchat are popping up on a regular basis, but some likely won’t be a good fit for your audience, so you’ll probably need to focus on more traditional platforms like Facebook and Twitter in order to engage your users. The main thing you need to concentrate on is providing value to your followers and fans.

Also don’t be afraid to look to outside sources, such as national publications or local outlets for help as part of your Insurance Agent Marketing plan. Consider sharing relevant news articles and graphics from these sources. Using social media as an outlet to share internally created content can work as well, and is a perfect channel in which to share it. Just make sure that the content you create is relevant and provides value for people from all walks of life.

It can be quite useful for sharing articles about legislative changes that affect your industry and explain how this will affect your customers. This helps to establish you as a valuable source of information and a credible expert in this area. Finally, remember that social media enables two-way communication and should be used as a customer service channel, just be aware that some information is okay to share publicly while some things should remain more private.

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Supply Chain Intermediaries Face Counterfeit Products http://www.ctrp.org/insurance/supply-chain-intermediaries-face-counterfeit-products/ http://www.ctrp.org/insurance/supply-chain-intermediaries-face-counterfeit-products/#comments Mon, 24 Aug 2015 15:30:01 +0000 http://www.ctrp.org/?p=649 Goods and services come and goods and services go, but how they get between point A and B is up to the companies that specialize in serving as a conduit for these things. Facilitating he process getting them from the all the various supply chain points of contact that you work with into the hands of waiting consumers can be a complicated dance involving timing and precision, and quality, comprehensive insurance for supply chain intermediaries is a must, given the nature of your business. After all, as the underlying structure of all commerce, you face a myriad of risks from a dizzying number of sources–and the more elaborate your supply chain, the greater more attractive your business is to those who would seek to compromise it, and thus the greater the vulnerability is that your system might be the subject of infiltration and exploitation by criminals. For example, counterfeiting is a major source of concern for your business, and as the criminals continually find increasingly sophisticated means of creating fake goods and finding ways to insert them into the pipeline, those who in between are obviously concerned about being caught unawares.

According to the Agreement on Trade-Related Aspects of Intellectual Property Rights, counterfeit trademark goods are defined as “goods, including packaging, bearing without authorization a trademark which is identical to the trademark validly registered in respect of such goods, or which cannot be distinguished in its essential aspects from such a trademark, and which thereby infringes the rights of the owner of the trademark in question under the law of the country of importation.”

To see a clear example of this, look no further than the evening news. A top story was seizure at the docks of a shipment of what appeared to be high-end designer purses at first glance. However, upon closer inspection, the goods were found to be nothing but fakes–good ones, yet certainly not produced by the manufacturer that retails the bags for more than $2,000 apiece. The entire shipment of several hundred purses was confiscated and later destroyed by officials. Do the math, and the losses were staggering. The question here is, who ultimately pays the price?

The answer: all of us, from the owner of the counterfeited brand to the consumer who unwittingly purchases the fake product to the companies that help move, use, or sell the goods. These items can be made with low-quality, sometimes toxic ingredients that can actually harm consumers, or at the very least cause them to lose faith in the brand, thinking that the quality has eroded, when in actuality, they never had the real thing in the first place. And if you find yourself mixed up in such a situation where goods that you were requested to move are seized, how does this impact your business?

To find out the answer, as well as how you can protect yourself from this and many other risks, call your professional insurance agent to learn more about insurance for supply chain intermediaries.

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