Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in the package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the business owner’s policy (BOP). Package policies are created for business that generally face the same kind of degree and risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs Include:

1. Property insurance for buildings and contents owned by the company – there are two different forms, standard and special, which provides more comprehensive coverage.
2. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
3. Liability protection, which covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations, and errors in services provided.

BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees. Contact us today for further information!

Decide on which ride is best for you.

Don’t ever judge a book by its cover! Conventional wisdom might suggest that a bright and attractive coupe might be more to insure than your run-of-the-mill family sedan. However, it’s always important to remember that a lot more goes into calculating car insurance premiums. Aesthetics are just the tip of the iceberg; statistics play a heavy part, as well.

What’s the difference between a coupe and sedan?

This definition is actually fairly simple! A sedan is typically referring to a vehicle with four doors, while a coupe suggests just having two doors. The word coupe actually stems from the French word for “cut” referring to the traditional way that original coupes “cut out” the rear seating areas completely.

Recent coupe models now have the best of both worlds.

They have two rows of seating while also keeping the sleek two-door appearance that drivers love. The coupe is starting to change to appeal to a larger market by increasing backseat legroom. However, sedans almost always offer a roomier backseat than its counterpart.

How well does your car protect its riders?

A car’s safety features can help keep passengers safe while also helping you cash in on discounts on your premium. The idea that you’ll be less likely injured in a crash is both important to you and your insurance company. Theoretically, if your coupe tends to protect passengers more efficiently than a rival sedan, the coupe could pay less for coverage.

How expensive is it to repair or replace your vehicle?

Accidents are far more common than we’d like to admit. It’s the insurance provider’s responsibility to try to make things correct again. Because of that, insurers will consider how pricey repair and replacement costs may be after a major accident. Whether it’s a coupe or sedan is less important than the overall cost of replacement.

Now that you know what type of factors play into the cost of insurance, be sure that you secure the right policy for your needs. At All Nevada Insurance, we’re dedicated to giving each driver the coverage they can count on. Visit us today to get started.

Offering a selection of healthy snacks helps your team to stay on point.

You expect your staff to spend a lot of time at the office, so why not try to make the most of it? Offering tasty and healthful snacks can help keep energy, spirits, and productivity up – all at relatively little cost to your business. What kind of snacks are best for the office? Use this guide to the top healthy choices for stocking your breakroom.

Fruit & veggies

It shouldn’t be surprising that fresh fruits and vegetables are nutritionists’ top picks for healthy snacking. Most Americans aren’t getting enough servings of these crucial food groups, so by offering them, you can help your team overcome this deficit. If you’re having trouble keeping fresh produce in stock, consider unsweetened dried fruit. Packed with fiber and nutrients, this is a fantastic long-lasting option.

Nuts

Help your team fit in their healthy fat and protein by offering mixed nuts. Raw and unsalted nuts will be better for your staff’s health, but offering some roasted or salted options can help mix things up.

Sandwich or rice cake bar

Looking for something customizable? Consider setting up a whole wheat sandwich or brown rice cake bar. Your team can then load up their grain of choice with peanut butter, sliced bananas, or their other favorite toppings.

Water

Switch out the sugary drinks and caffeinated beverages for bottled water. Even being a little dehydrated can wreck havoc with our concentration and energy, so be sure to sip on water throughout the day.

So you can focus on feeding your team, let us focus on covering your hard-to-insure risks. To learn more about how our workers’ compensation programs and products have been serving thousands of insurance agents across the nation, contact All Nevada Insurance today.

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All Nevada Insurance is growing and looking for people that want to live the dream of being a business owner.  We have given our franchise system a boost and we are excited to share it with you so you can share it with others.  We believe that a referral is the highest compliment that a company can receive, so we are willing to pay a $2000 referral bonus to you.  When your referral becomes a part of the All Nevada Insurance family as a franchisee, you get paid.  To learn more about our system, please visit www.ANIfranchise.com.