Don’t Let Accidents Cost You

No matter who you are, blunders happen. No person or company is perfect, so mistakes are bound to come about every now and then. In cases where something happens within your business, big or small, and causes problems for someone involved, claims against these accidents can often be costly. Whether it’s a directors and officers (D&O) litigation or employment practices liability (EPL), it’s best to be prepared. D&O EPL insurance can protect your company, covering legal payments that could otherwise cost you tens or even hundreds of thousands of dollars.

D&O Coverage

It’s becoming more common for shareholders to try and recover losses by suing people who hold management positions in a company, no matter if there’s any signs of foul play or not. D&O insurance covers personal and private assets for the company and its executives. Sometimes, bad judgements are made, but the business shouldn’t suffer.

EPL Coverage

It can be difficult to decide on when and who to layoff when it’s necessary for financial or other reasons. However, even if the intentions are legitimate, letting someone go may lead to legal action. EPL insurance can protect a company from these sorts of conflicts, covering for claims or legal costs, making sure that there’s no risk to fair employee terminations.

Often times, policies are packaged with both types of coverage. D&O EPL insurance is often important for any size business, protecting the company in cases of unavoidable mistakes or consequences.

Why Having Home Insurance is a Non-negotiable?

With so much information to sift through, searching online for “home insurance in NM’ can be discouraging and as a result, many homeowners make the mistake of not purchasing insurance altogether. Before you put an end to your search, here are three reasons why you should carry homeowners’ insurance.

Coverage For Family

Did you know that you can be soon by someone who gets hurt on your property, even if it’s not your fault? If that were to happen, you would be responsible for any settlements or judgments. With homeowners’ insurance, you and your family are covered against this and any other incidents when you need it the most.

Coverage For Belongings

Life hardly ever goes as planned. Although you may live in an area that doesn’t experience forest fires and flooding may not be an issue, you never know what unforeseen act from mother nature may come your way. When such an event occurs, at least you’ll know that your belongings are covered, and you don’t have to deplete your savings to cover repair or replacement costs.


Your bank or lender needs to have some sort of protection for their investment. That’s why, depending on your loan amount, they require that you carry some level of insurance. If you have a mortgage, then you likely have no choice but to purchase insurance for your home.

Don’t let frustration make you stop your search for insurance in NM. Take your time to determine your coverage needs and find the agency who’s able to meet them.

The World Wide Advantages of Having Your Cargo Covered by Insurance

If you consider how much freight is being shipped around the world and the number of risks each fleet will face daily, its no wonder why so many companies are turning to truck cargo insurance coverage for help.

In Which Circumstances Is Cargo Covered By Insurance?

Here are a few ways cargo can be protected by the Motor Truck Cargo liability package.

  1. Warehouse or Terminal Storage Protection Freight can become damaged inside of a warehouse or terminal if equipment malfunctions or if they are packed incorrectly.
  2. Moving Cargo for Transit Some cargo may have packaging come loose on the shipment as it is being lifted into a truck or there may be a simple misstep with equipment while loading.
  3. Cargo Currently in Transit As freight moves around on the road, there’s a high possibility of items inside boxes to become damaged or even lost at the wrong terminal.
  4. Combining Packages or Partnering With Other Delivery Services When cargo is delivered part of the way with the help of another transport vehicle, the responsibility for lost or damaged packages remains with the initial transport service.
  5. Delayed Delivery of Cargo Rescheduling the delivery of a package may change the routes or time at which the freight arrives to a terminal, causing lost packages along the way.
  6. Damages Sustained to Packages via Fire, Collision or Minor Accidents If anything out of the ordinary happens to fragile freight at any point of its delivery, truck cargo insurance coverage will protect it.

Overcoming Obstacles in Marketing Insurance

Every year the insurance industry continues to evolve dramatically. The process behind selling your services becomes more and more competitive. Getting your share of the market requires an understanding of consumer behaviors, along with taking advantage of the new technology in order to maintain interest, get the attention of prospects, and maintain client retention. Insurance agencies must do their part to stimulate interest in their products, coming up with inventive ideas, while facing these unique new challenges.

Successful Agency Insurance Marketing requires staying up on all of the new trends, weeding out ideas that simply aren’t working and setting a time to explore new avenues available for sparking interest in the insurance market. You should be utilizing marketing ideas already in use that still garner results. Part of any strong marketing plan involves devoting plenty of time to your marketing efforts. Make this part of the equation if you really want to succeed.

Overcoming low lead generation

One of the main challenges for insurance agent marketing is generating new leads. While everyone has to purchase certain policies (auto, home), prospects don’t always see a need for other services available to them. Business owners will often buy the bare minimum as a way to save money, especially if they aren’t forced to buy insurance. In general, people are unlikely to show interest in insurance products, and sellers of life and health insurance recognize the challenges of selling these products all too well.

Insurance agents need to be creative to overcome these challenges. This will require that they initiate a proactive strategy to not only engage, but also educate their target market about the benefits of having coverage that can help to enrich their lives. That means using all the tools available to them, including social media marketing, online advertising, and many other digital channels that currently exist.

Keep in mind that name recognition is the thing that gives a business a higher profile. The more well known a brand, the less difficult it will be to generate leads and sales. You know the ins and outs of the business, so now take full advantage of your knowledge and put your Agency Insurance Marketing plan into high gear.

Keep Trucking with Reliable Coverage

Getting cargo from point A to point B is a complicated task. All your precise planning and excellent customer relations can come to a halt if you don’t have the right commercial truck insurance. Every company is unique, and their coverage should be to.

Trucking companies and professional drivers need to consider all aspects of their business when it comes to insurance. While most people rely on general liability insurance as a broad coverage umbrella—damages sustained on property or while in service—the type of vehicles in your fleet and the cargo you carry are important considerations.

Commercial truck insurance offers a range of coverage to meet your needs and most unforeseen incidents. Additional protection includes:

  • Physical damage
  • Pollution
  • Commercial equipment
  • Crime
  • Workers compensation and occupational injury
  • Roadside assistance

The cargo hauled can require different types of transport. While the bulk of transportation may be semi-trailers, other vehicles need to be insured, as well as the unique aspects of certain kinds of goods. These may include:

  • Dry van
  • Refrigerated
  • Flatbed
  • Dump
  • Tow truck
  • Inter modal containers
  • Hazmat
  • Tanker
  • Courier

Commercial trucking keeps the goods moving. If for some reason you can’t move them or they are damaged, make sure you have commercial truck insurance. Talk with an expert to ensure your business keeps running smoothly.