You work diligently to build trust with your clients, provide quality medical care and to hire nurses, therapists and aides who represent your organization. Now let your local independent agent and Cincinnati create an insurance program that matches the excellence upon which you have built your organization.
If you use your personal vehicle for work, you take on more risk – risk that your insurance company didn't agree to cover when it wrote your policy. As a result, many insurance companies can deny a claim if the accident occurred while using the vehicle for business. Some insurers might even drop you as a customer.
There are steps you can take to prepare your home or business for a storm.
When a hurricane or tropical storm turns inland, it may diminish in strength, but the potential remains for severe damage from winds and heavy rain. When you know a storm is coming, take steps to minimize damage and speed recovery.
First and foremost, take whatever precautions are necessary to protect yourself and your family. While property preparations are important, they’re not worth risking life or health. If you need to evacuate, do so, as long as you have time to reach a place of safety. Don’t be caught on the roads in your car or attempt to drive through water-covered streets. Once the storm reaches your area, stay inside, away from windows and possible flying debris.
Many homeowners and businesses are under the impression that their insurance will cover damage from an earthquake. Unfortunately, this isn't the case. Many insurance policies specifically exclude damage from earthquakes and floods. This leaves individuals or businesses paying out of pocket for damage caused by an earthquake. Even a small tremor can cause a cracked foundation, structural damage or destruction of property.
You may be able to add Earthquake Coverage to your property insurance policy. This coverage may have a high deductible, but repairs, like fixing a cracked foundation, can be incredibly expensive.
Vehicles may be covered for earthquake damage if you have comprehensive coverage.
Want to save money to put towards other things? Consider reviewing your current insurance costs, whether it be personal or business related. TWG Insurance shops & compares many of the TOP carriers so that you get the the best deal at the best price.
Should disaster strike, business insurancehelps protect the effort and money you’ve invested in your business. But because businesses are so diverse, you should consider a variety of optional coverages too. These extras are added to your business insurance policy as endorsements.Here’s how endorsements can help cover four common business risks. Learn More
Part of running a business involves making sound financial decisions. Before you can make these decisions, however, you need to review your options—one of which is your business insurance premium. Some common ways to save money on your business insurance are listed below, and your TWG Insurance agent is the expert on coverages and options—so put our knowledge to use if you’re trying to save.
Data security is critical for all businesses because information such as client payments, personnel files, bank account details and more are oftentimes impossible to replace if lost – or worse, in the hands of criminals. Data lost due to disasters like fire or flood can present real challenges, but losing data to hackers or malware can present greater consequences. How you manage and protect your data should be a central function to the security of your business and privacy of your customers, employees and partners.