Auto Accident Tips

With an auto accident happening roughly every 14 seconds even the most careful drivers may be involved in an accident, so everyone should be prepared in the event it does happen.  Auto accidents are unexpected and stressful but these tips can help ease the difficulties of the situation and help in reporting the claim. Starting with being prepared by carrying a set of cones, warning triangles, or emergency flares in your trunk to help alert traffic. Then in the event of an accident:

  • Stay Calm - call an ambulance if it is needed and always call the police.
  • Stay Safe - there are still risks with traffic, fire, injury, debris and weather.
  • Stay Smart - Be courteous to others, but do not admit fault, and always protect your identity.

It’s a good idea to have a camera (camera phone) to document the accident for your auto insurance claim. Staying safe is important while taking pictures, do not take pictures if it puts you or others at risk of injury. If the situation allows take pictures of:

  • License plate(s) of the vehicles involved
  • Damage to other vehicles involved
  • Damage to your vehicle
  • Landmarks, street signs or address markers to identify the location
  • Damage to any property or objects at the scene

 

Business Owners Insurance (BOP): What It Covers

What Does a Business Owners Policy (BOP) Cover?Insurance Advisors| Plymouth, Minnesota

Your business is an extension of who you are and a reflection of all you’ve accomplished so don’t let things damage to the property or injury to others harm it. A BOP combines essential insurance coverage’s, and it also allows for the flexibility to purchase optional, additional coverage to help protect your assets so you can concentrate on what matters most to you, running your business.

The BOP combines coverage for all major property and liability exposures into one package policy suitable for most small businesses. It can be compared to the same way that a homeowner’s insurance policy protects your home and personal belongings. BOP’s combine two of the most important coverage’s for small businesses: Business Liability and Property. This allows you to save money while also protecting your property and belongings.

BOP’s include:  

  1. Property insurance for buildings and contents owned by the company. There are two different forms, standard and there is 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.