Month: January 2017

Covering Losses with Business Interruption Insurance

Posted on by TheSph3r3
Business Interruption Insurance

Business interruption allows companies to stay afloat in rough waters.

Believe it or not but business interruption insurance can be as important to your survival as property insurance coverage. Most people would never consider opening a business without buying insurance to cover damage due to fire and windstorms. However, too many small business owners fail to think about how they would manage if a peril took their company down for a substantial number of days, weeks, or months.

A business that has to close down completely while the premises are being repaired may lose out to competitors, not to mention lose their regular income!

How would your business handle such an event? Fall back on your business interruption insurance, of course!

What is the coverage?
Business interruption insurance compensates you for lost income if your company has to vacate the premises due to a disaster that damages your property. This disaster must be a listed peril that is covered under your property insurance policy, such as fire. The coverage reimburses you for the revenue that you would’ve earned, based on your financial records, had the disaster not occurred.

Generally, business interruption insurance covers:

  • Revenue lost due to the closure
  • Fixed expenses, such as rent and utility costs
  • Expenses of operating from a temporary location

It’s entirely possible to add extra protection onto your policy so that your expenses are covered. Ask your insurer for more details.

Are there limits?
Business owners should ensure that the policy limits are sufficient to cover your company for more than a few days! After a major disaster, it can take more time than many people anticipate to get the business back on track. There is generally a 48-hour waiting period before the coverage kicks in!

Are you ready to secure this insurance for your business? Contact the professionals at All Nevada Insurance to secure your needed insurance in Las Vegas and neighboring cities in Nevada.

Fill Up on Fresh Fruit & Veggies by Visiting the Las Vegas Farmers Markets!

Posted on by TheSph3r3
Las Vegas Farmers Market

Don’t miss the Las Vegas Farmers Market for all of your seasonal produce.

Do you want to start the New Year on the right foot? Aim to fill your plate with fresh fruit and vegetables that you can buy from the Las Vegas Farmers Market!

The market is open on Wednesdays and Thursdays from 2 p.m. to 6 p.m. On Saturday the market runs from 10 a.m. to 2 p.m. This is a place where the community gathers to enjoy the small town atmosphere!

It is host to locally grown and organic fruits and vegetables! There are always plenty of food vendors that cook up a variety of dishes to suit everyone’s tastes. With a new year upon us, plenty of colorful and healthy food can be found at this farmers market.

This market has arts, crafts, health, and beauty booths which make it a great place for food shopping, but it can be a source of local, handmade gifts, massage services, and indulgences for yourself. While doing your weekly grocery shop, you will get to visit a whole host of local booths and a fantastic community spirit.

The locations are as follows:

Wednesday: Bruce Trent Park, 1600. North Rampart Blvd.

Thursday: Gardens Park, 10401 Gardens Park Drive

Saturday: Floyd Lamb Park at Tule Springs, 9100 Tule Spring Road.

For more information, visit the Las Vegas Farmers Market website for more details.

Don’t miss this fantastic Farmers Market that is packed full of healthy food options and fresh finds to fit your fancy. Be sure to visit All Nevada Insurance for all of your insurance needs in Nevada.

How a Data Breach Occurs (and How to Protect Your Business!)

Posted on by TheSph3r3
How a Data Breach Happens

Business owners, do you know how hackers can attack your systems?

Even though many business owners believe their Internet, software, and network to be stable and safe, the reality of it is that more and more criminals are taking to the cyberspace to wreak havoc. Understanding your business’s vulnerabilities and how to defend against them can help companies protect their data from thieves who are in search of valuable personal data.

An Attack

A data breach or cyber attack occurs when there is a vulnerability in a business’s digital system. An attack exploits user information and safe files, accessing and controlling a large part of the business’s digital dealings. From there, the hacker could access sensitive data, complete commands, and take over administrative sites.

Prevention

Cyber attacks and breaches occur to all businesses, large and small. Even so, many firms are not prepared for such attacks which leaves their company floundering when one occurs. An attack that pinpoints the vulnerabilities in a software is not only very common to occur to businesses, but it’s easy to prevent!

Action

Each business should work to implement a vulnerability program as well as knowing how to prevent cyber threats. Everything from proper training, anti-viral software, and securing the right insurance is necessary for your business.

To prevent the possibility of your company’s data suffering, be sure to take cyber risks seriously. Also, safeguard your business with reliable Cyber Liability Insurance and business insurance to fully protect your business. Get started on your policy in Las Vegas, Nevada by contacting All Nevada Insurance today.

18th Annual Lady Luck Invitational

Posted on by TheSph3r3
lady luck tournament

It is our privilege and honor to announce that All Nevada Insurance sponsored the 18th Annual Lady Luck Invitational on January 13-15th, 2017.  This is the largest gymnastics competition in the country.  This year it featured over 2,200 athletes from all over the United States, as well as athletes from Puerto Rico, Mexico, and Canada.  Congratulations to all the athletes!

“Even if kids don’t love gymnastics, if they start at any age with some classes, they can learn so many different things — they can build a lot of character, strength, flexibility, and courage. Hopefully, they can also develop a sense of fearlessness.”-Nastia Liukin, Interview with Parents.com

Manage Construction Risks with These Tips

Posted on by TheSph3r3
Construction Risk Management Tips

Improve the construction site and safety with these simple steps.

As part of a construction crew, you do everything you can to ensure your work is completed on time and to standard. Even so, the costs and hurdles that many construction teams face are ever-changing. New materials and techniques enter the market, while codes and other requirements require every team to be on their toes with regulations.

Despite your best efforts, sometimes you can end up the target of a construction defect claim. When something goes wrong, understanding what happened and why it happened can make or break your business.

To best manage construction defect risks, use these defenses:

Know your codes – Keep up to date with current regulations and standards, including building codes, industry advisories, and the best practices.

Understand the products you use – Follow manufacturer guidelines, study product warranties, and expiration dates, too. Always know the limitations of every material and system, and don’t risk it if you can help it.

Choose the right subcontractors – Pre-qualify subcontractors to help ensure each has the proper credentials, experience, and skills to deliver the high standard of work that you aim to produce.

Transfer risk if necessary – Always rely on your legal counsel and risk advisors to help ensure that contracts protect you against errors and limit your obligations.

Document and record everything – Build a solid record of every step in the construction process to help defend against claims of poor workmanship. Always back up these documents digitally and store them somewhere safe.

For the protection that you need, visit All Nevada Insurance and secure the right commercial insurance to suit your needs. Visit us in Las Vegas, Nevada today!

Home Insurance Checklist for New Homeowners

Posted on by TheSph3r3
Home Insurance Checklist for New Homeowners

The homeowners insurance checklist that new homeowners need.

Are you in the process of purchasing a home? Perhaps you’re still browsing through potential homes or considering whether to take the plunge. Whatever the case, there are many considerations when looking at real estate. An important and often overlooked factor is homeowners insurance. You’ll need to pay for homeowners insurance for as long as you own it, so why not do some researching before purchasing a policy?

Use these important tips to help make selecting the right one for you easy!

Perfect your credit score. Insurers will look at your credit score when deciding whether to sell you insurance and at what rate. Check your report to see if there are any mistakes or anomalies that you need to correct.

Know what coverage you need. Aim to buy enough coverage to replace your home if it’s destroyed. Talk to your insurance agent to determine how much coverage you need.

Gather information. You’ll need to know specific features about the house: the square footage, number of bathrooms, materials used for the roof and exterior walls, age and condition of the house, and condition of the decks and garages. This will help to determine how much you’ll need to pay for coverage.

Take a detailed inventory. Record and note your belongings around your home so that you have an inventory handy, should you need to file a claim in the event of a loss. Expensive items such as jewelry, art, and musical instruments may require additional coverage.

Get the house inspected. You’ll need to have the house properly inspected in order to get your mortgage approved. The inspector will check everything from the general condition of the home to potential problems to the pumping and electrical systems.

Consider additional risks. Homeowners policies typically cover the outbuildings, personal property, liability protection, and additional living expenses. Frequently, flood, hurricane, and earthquake protection must be purchased separately. Assess your risk for these disasters and buy additional protection as needed.

Call our insurance professionals. The team at All Nevada Insurance is here to help you secure the right homeowners insurance for your new home! Visit us in Las Vegas, Nevada to get started today.

How to Keep Up Your Exercise Routine During Winter

Posted on by TheSph3r3
Keep Up Your Exercise Routine During Winter

Stay fit by keeping up your exercise routine during winter.

It’s cold, it’s dark – all you want to do is hit snooze and stay warm and cozy in bed until you absolutely have to get up for work. Even though the mornings can seem rough throughout this time of year, it’s important to maintain your exercise routine during winter. Thankfully, it’s not impossible to get the motivation that you need to bound out of bed, ready for your workout.

Get yourself pumped up to exercise.

It’s easy to get into winter hibernation mode, and that usually means that the hardest part about exercising in winter is getting the ambition to do it. After all, you’re wearing three layers, who will notice if you put on a few pounds? Exercising is important for your overall health, as well as your mental state of mind, and relieving stress. Over the winter, it’s a good time to set a realistic goal of what you want to achieve. Whether it’s to lose two pounds or lift a certain weight, you’ll feel more inclined to get up and workout if you’re working towards a goal.

Dress warmly and go outside anyway.

The cold weather shouldn’t deter you from your daily workout. Even if you can’t hit the roads in your shorts and tank top, like you would in the summer, exercising outdoors is still entirely possible in the winter. Add a few warm layers, a lightweight, waterproof jacket, stay hydrated and stay visible. Keep moving to stay warm – the cooler weather may actually improve your workout!

Find winter-friendly alternatives.

Exercising outside in the winter months isn’t always an option for everyone. In this case, it means you should find a workout that you can do indoors or a winter activity that counts as exercising. Whether you hit the gym, turn on a workout video at home, or go swimming at your local sports center, find something that keeps you active!

While you focus on staying warm and fit during winter, let the professionals at All Nevada Insurance secure a reliable insurance policy to suit your needs and budget in Las Vegas, Nevada.

New Year’s Day Activities for the Whole Family

Posted on by TheSph3r3
New Year’s Day Activities

Start 2017 with family and fun with these New Year’s Day activities.

Welcome to 2017! As always, the New Year brings 365 days of opportunities, adventures, and fun! Whether your head is banging from last night or your whole family is up bright and early at 8:00 a.m., use today as a chance to spend some quality time with the family doing something fun. To start 2017 on the right foot, celebrate January 1st with these New Year’s Day activities.

Take a walk – Now is the perfect time to get outside in the fresh air and take a walk with your family. Hike the local trails, head down to your nearest park, or simply take a stroll around the neighborhood for some much-needed movement and exercise after the indulgent season.

Craft – Whether you want to make dream catchers, thank you cards, or a scrapbook, spend some time slowing down with your family. Working on a craft is one easy way to spend time together, make memories, and put together a one-of-a-kind project.

Clear out – After the gift-giving season, it’s time to clear the clutter from the house and find a home for all of your new gifts. Dedicate this afternoon to tidying up your house with your family. While it’s not the most thrilling activity in the world, it sure breathes life into your home and helps you to relax.

Un-decorate – Now that the holiday season is truly over (sad face), it’s time to take down the decorations. Use today to take the ornaments off the tree and pack away everything until next year.

Make resolutions – Sit down and discuss what goals and resolutions you can make, individually and as a family. Once you’re finished, hang them up on the fridge so that everyone sees them every morning. If it’s something specific, set a date to complete it – this is a good way to get the kids on their best behavior.

Play games – If you’re indoors and need some entertaining ideas to occupy the family, crack out board games and card games.

For the protection that you need to keep you and your family safe, review your insurance policies. With the right coverage, you can feel rest assured that the right defenses are in your field. Contact the professionals at All Nevada Insurance for all of your insurance needs in Las Vegas, Nevada.