What is Maritime Employers Liability?

Merrimac Marine

What is Maritime Employers Liability?

Operating a business that involves boats can create an array of unique risks for your company. Insurance needs vary greatly with maritime organizations, meaning you need to give yourself time to investigate the ins and outs of your options. One area to focus on is Maritime Employers Liability. Also known as MEL, this is a service that can be a huge asset when it comes to providing your clients and employees with an extra level of protection.

Unique Risks

The experts at Merrimac Marine have reported that there are a number of key areas business owners need to understand when selecting this type of coverage. For one, this is a policy that will protect employees even when they are on boats owned by others. When you work with a lot of clients, this type of protection can be a huge help. Workers who should consider this type of protection include:
Artisan contractors
Scientific researchers
Drilling workers
Marine construction workers

Assess Your Needs

Assessing the specific risks posed to your business can be a smart way to go about selecting the right coverage. In order to provide the right level of protection to your employees, give yourself time to look over the unique issues that might arise for your business and your employees. This will help guide you to a policy that can offer you comprehensive coverage against the unknown.

Irving Weber Associates

Lean on Clean

There’s a reason that gossip is called “dirty laundry;” laundry is gross! If you think about how many different germs we come into contact with every single day, imagine how dirty our clothes are. Thankfully, you’re the owner of a laundromat that has great service, is affordable and overall a nice place to do laundry. If you’ve tried the traditional strategies in marketing for laundromats, why not market your facility’s high cleanliness standards as a major selling point?

Maintain a Cleaning Schedule

The pros at Irving Weber Associates, Inc. state that you need to show your audience how you differ from the competition. One major thing that you can do to prove that your facility is one of the most sanitary is to put your money where your mouth is. Make and stick to a strict cleaning schedule:
Sanitize the insides and outsides of washers and dryers
Sweep and mop the floors, especially if there is spilled detergent or fabric softener that could cause a slipping hazard
Dust and clean out dryer vents, making sure that lint is properly disposed of
If you think that small touches don’t make a difference, think again. Clients notice the little things that business owners do to maintain a sanitary environment. When you’re marketing your business, use your good cleanliness habits as your gold star.


Top Ways to Prevent Commercial Property Theft

Whether you rent or own the property your business uses, theft is a common occurrence for many businesses. Theft doesn’t always occur due to break-ins by random thieves. Protect your business with commercial crime services.


Security measures may seem like a no-brainer, but many businesses fail to implement adequate security systems. An alarm system, parking lot lights, cameras, and remote video surveillance can help deter theft from happening. Video surveillance and alarm systems can help you catch criminals that are undeterred by the measures. These systems help you keep your employees safe and help you watch both inside and outside theft. Because sometimes the theft starts with an employee. How high-tech your security measures depend on the type of business you operate and the valuables contained within the building.


When your security measures fail, it is important to have insurance, as indicated by https://www.nsins.com/. A commercial property policy can cover damages caused by burglaries and vandalism, but it may not cover securities or stolen money. Since company employees are often the most common source of theft, it is important to make sure your business is fully covered should one occur.
Commercial crime services help you protect against financial loss caused inside or outside the business. If your business has valuable assets such as cash or fine art, consider adding an additional crime policy.

As seen on https://kingharvest.org/

Your Alternative To Traditional Medicine

Today, there are many other options for treating pain and discomfort than medication prescribed by medical doctors. One such remedy is blue emu oil, but what is a blue emu, how does it work and how can it help you?

How It Works

Blue emu is a compound that sinks deep under the skin to treat muscles and reach your bloodstream to help with various problems, including pain and illness. This is especially useful for arthritis pain.

How It Helps

When applied topically, the blue emu can help your body in many ways, although it is mostly linked to treating pain. That being said, there is more than one use for this product. As seen on https://kingharvest.org/, blue emu oil can be used for a variety of reasons, including the following:

Lessen pain
Reduce inflammation
Promote relaxation
Caring for piercings and tattoos
Reduce the appearance of scars and stretch marks
Help Living Your Best Life

Living a life of pain or discomfort is not something you have to do. Whether you suffer from chronic pain, want to relax and unwind, or need something to help you feel comfortable in your own body, blue emu products may be right for you. What is blue emu? In short, it is a product that can help you live a comfortable life.

Irving Weber Insurance

Policies Every Convenience Store Owner Should Have

A convenience store is much more than a place to stop for gas. It provides the food, supplies and rests that any traveler needs. That is why it is important to protect your store with the best possible convenience store coverage. As detailed by Irving Weber Insurance, different policies can build a whole shield of safety that makes even the largest incident manageable.

Liquor Liability Coverage

A big part of your store’s sales is likely in the liquor department. Therefore, it only makes sense to acquire insurance that has your back when the liquor you sell causes some issue. For example, a client hurt themselves or damages a property due to the alcohol they consume from your store. A good liquor liability policy comes in to save the day to assist in the financial fallout of a lawsuit or medical issues.

Equipment Breakdown

There is no panic worse than having your refrigerators, soda machines and freezers breakdown. A policy like equipment breakdown coverage helps you with repairs or can even replace the item for you.


You have likely seen a crime or robbery occur at a convenience store every so often on the news. It is impossible to predict whether or not your store will be hit. Thankfully, crime insurance can help ease the stress and expenses of this type of incident.


The Importance of Having a Sexual Abuse Liability Policy

No business owner likes to think about his or her employees committing acts of sexual misconduct. It does happen, however, and if it happens in your company, you need to be prepared with the right insurance coverage. As indicated on https://www.wwspi.com/, your general liability policy is likely to have exclusions for sexual abuse and related offenses. You need a separate policy to protect yourself and your company from such allegations.

What It Covers

Sexual misconduct insurance can cover the cost of lawsuits brought against your company for a broad range of behaviors:

Inappropriate requests
The use of sexually charged language
Hiring practices
Failure to report observed sexual misconduct

If someone brings a lawsuit against your company and you are not protected by the right insurance policy, you could lose a devastating amount of money.

Additional Fallout

Allegations of sexual misconduct or abuse can also take a toll on your company’s reputation. While you cannot control your employees’ behavior, you may be able to reduce the chances of an occurrence by providing training. Talking to your employees about actions that constitute sexual misconduct and the ramifications of committing these acts makes the expectations clear.
Your insurance company may work with you to provide coverage as well as advise on training that is right for your business. Don’t just assume sexual misconduct won’t happen; be prepared if it does.


Extending the Reach of Your Insurance Business

In order for your company to see success, you need to know how to reach the widest audience. A great way to do that is by having an idea of the best leads. While most people in your industry are searching for viable leads, there are a handful of options to think about to increase your odds of success.

Making Calls

One excellent idea worth thinking over is using an insurance telemarketing agency. As reported on https://www.neilsonmarketing.com/, working with a telemarketing organization can yield positive results for businesses. Some advantages include:

Reaching a wider audience
Turning campaigns into successful pushes
Larger return on investment
Ask Around

Another way to start generating more leads is by putting your feet to the pavement and asking around. You might want to dip into your social circle and see if anyone knows of any relevant businesses or individuals who might be in need of the insurance your company provides. While there is no guarantee this will work, it may be able to get you on the right path to find new clients.
Your business will thrive when you dedicate time and effort to generate new leads. Look into the best options for your needs and see how you can begin extending your company’s reach.

Axis Insurance

Protecting Employees In Charge of Personal and Financial Data

Companies face a danger of lawsuits relating to fiduciary liability. As such, it is the company’s responsibility to protect employees in charge of financial and personal accounts with fiduciary liability insurance.

Who Is This Insurance For?

This type of policy is designed specifically for individuals in charge of finances, such as savings, profit sharing, and pensions, as well as benefit plans, such as healthcare, employee benefits, and wellness. A fiduciary can be any of the following individuals within a business:

Regular employee
Contracted employee

How Does This Insurance Help?

Research at Axis Insurance states that this insurance is essential in assisting with legal fees and defense costs associated with claims filed against a fiduciary. The nature of the work done by fiduciaries is often personal and involves financials, which makes it highly sensitive. As such, claims filed against fiduciaries can be damaging to the company. This insurance can cover the following types of claims:

Poor investment choices
Errors in benefit plans
Conflicting interests
Missing or unfiled reports
Insuring Your Fiduciaries

Being in charge of and overseeing sensitive data relating to an individual’s financials or benefits comes with a lot of responsibility. It is vital for any business that handles this type of information to have fiduciary liability insurance to protect your employees and your brand.

allegiant insurance customer service

Personalized Coverage Thanks To Personal Care

Obtaining insurance can be a complex and confusing process. With industry jargon and complicated fine print, it is no wonder that many settle on whatever policy their insurer offers them. Unfortunately, that can mean expensive rates for weak protection. Allegiant is here to change that. We base our service on the needs of the client and not the needs of our bank accounts. Thanks to Allegiant Insurance customer service, our clients receive the protection they deserve.

Analyzing Your Needs

Our team can give you the policies that work best for you because they analyze your situation carefully and asses your risks. We know each client is different. That is why we make an effort to build a plan that is unique and that includes coverage they need. We make your protection fit around you and not the other way around.

A Caring Approach

Dealing with an agency can be stressful and intimidating. However, here at Allegiant, our team members provide a caring and understanding experience that stands out from other agencies. We make getting insurance easier with our wonderful and kind staff.

We believe active insurance starts with excellent customer care. Experience fantastic Allegiant Insurance customer service for yourself by reaching us online, on the phone or in person.

albuquerque insurance agencies

Breaking Down Insurance Coverages For Independent Consultants

Signing up for insurance is one of the least-discussed aspects of entrepreneurship. Everyone focuses on income and expenses, but rarely is insurance discussed, even with the potential for your business to be sabotaged without it. If you’re interested in starting an independent consulting firm, Albuquerque insurance agencies are ready to help you. Here’s what you should know about the most basic coverages that will serve as the foundation of your policy for your independent consulting business.

Professional Liability Insurance

Professional liability covers you in case a client files a lawsuit claiming that they experienced a loss because of an error or omission on your part. Your policy would cover your attorneys’ fees as well as judgments and settlements.

General Liability Insurance

General liability insurance is more of broad coverage in that it covers third-party claims related to injury or property damage caused by your business. Once again, if a lawsuit is filed, your policy will be available to cover your legal expenses.

Property Insurance

As the name implies, property insurance protects your business property against loss or damage. Items that can be covered under your policy include your building and landscaping, furniture, equipment and even digital assets. Your property will cover the cost to repair or replace these items in case of a fire, inevitable storms, theft or vandalism.

There are plenty of other coverages to choose from depending on your needs. The best Albuquerque insurance agencies will be willing to customize their offerings to meet your demands.