Can You Get General Liability Insurance as an Individual?

As someone running a business, whether you have employees or you work alone as an individual, protecting yourself and your work is the most important thing to do. At ISU Armac, our insurance options, including general liability insurance, will help keep you and your business safe. Can You Get General Liability Insurance as an Individual? If you are looking for ways to protect yourself and your business, then general liability insurance is something that you’re going to want to consider. Businesses can benefit greatly from this type of insurance, especially if something unexpected happens in your workplace. This type of insurance is an integral part of protecting yourself, your clients, and your business. But while it’s important to have if you run a business with employees, you might be wondering if it’s something that could be useful if you’re an individual or an independent contractor? Can it still benefit you?…

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David VS Goliath Podcast – Episode 3- Ryan McEachron – Welcome to the gun show!

https://www.youtube.com/embed/F3eYvKkeLgs David Vs Goliath Podcast features some of the top small business CEO’s stories of how they where able to leverage technology or other secrets to not only compete with their big competitors but actually win! In this fun and entertaining format your host Adam DeGraide will keep it interesting, educational and practical. This is a must view podcast for any existing or aspiring entrepreneur who has the desire to FIND, SERVE & KEEP more customers….PROFITABLY. In this Episode Adam DeGraide discusses the challenges of inheriting a successful small business and the need to not only sustain it but grow it in today’s fast pace high tech world. ISU-Armac is an insurance agency located in Victorville CA and provides both personal lines and business insurance nationwide. Find them online here https://www.isu-armac.com/

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How Do I Get California Home Insurance in High Fire Risk Areas?

Coverage for an accidental fire is one thing, but what if you happen to own a home in a geographical area that is at higher risk of wildfire than other parts of the country? Is coverage for wildfire damage part of your insurance policy? Understandably, many people who live in California and other western states are very concerned with fire risk home insurance since wildfires are worsening due to the impact of climate change. The good news is that it’s easier than you think to have coverage for your home in case of wildfire damage. How Do I Get California Home Insurance in High Fire Risk Areas? Many homeowners are surprised to learn that coverage for fire damage, including damages caused by wildfires, is typically part of a standard homeowner’s insurance policy. That’s right – instead of searching for a specific policy to add to your existing insurance, your first…

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What Insurance Do I Need to Run a Garage?

Every business needs to be insured. A single mishap could spell the end of your company if you aren’t. However, insurance needs vary wildly depending on the profession involved. For example, medical professionals need malpractice insurance, something that few other jobs call for. So, what about a mechanic that runs a garage? Is there a sort of “garage insurance” that you can buy? Insurance companies often bundle together a suite of insurance plans to cover all the needs of a specific business. Essentially, garage insurance is the perfect combination of insurance products to make sure that your garage can operate worry-free. Let’s take a closer look at each of the items that we would include in a comprehensive garage insurance plan. We’ll look at ones you absolutely must have, along with some that might be good options to add to your plan.   Garage Insurance: What Insurance Do I Need…

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What Is the Difference Between Garage Insurance and General Liability?

All businesses need liability insurance, but some specific industries may require specific insurance policies. While many small businesses can benefit from a general liability insurance policy, car garages, mechanics, and other businesses in the auto industry may benefit more from garage insurance. But what’s the difference between garage liability and general liability? What Is the Difference Between Garage Insurance and General Liability? General liability is a multipurpose policy that protects small businesses from a variety of common risk areas. Most business owners take out a general liability insurance policy to protect the business from lawsuits related to injuries, damage to client property, and accusations of false advertising. In general, having general liability insurance is a standard requirement for most businesses. Garage liability is different. For garage insurance, the components of the policy are specific to the automotive industry. Garage liability insurance provides coverage for claims related to injuries and property…

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What Happens If a Wildfire Burns Down Your Home?

Wildfires have become more common in the last decade, and they are likely to keep increasing in both frequency and strength due to high levels of climate change. While people around the world have seen the damage these natural disasters do on the news, not everyone is aware of the financial impact such an event has on the residents. If you’re concerned, taking out a high fire risk insurance policy could set your mind at rest. A high level of insurance can help you to find a new place to live while your home is uninhabitable, keep covering your mortgage payments and repair your property, and replace the personal items that you’ve lost as a result of the fire. While it has been difficult to find great policies in the past, this is changing, and some insurance companies are offering plans specifically aimed at people like you. Let’s have a…

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How Much Does Commercial Restaurant Insurance Cost?

Whether you run a coffee shop or a fine dining restaurant, working in the food industry means that you need different insurance than other small business owners. Commercial restaurant insurance provides all the protection you need to run your business safely and smartly for yourself, your employees, and your customers. But how much does it cost and what can this insurance do for you? How Much Does Commercial Restaurant Insurance Cost? Just like any other type of insurance, the cost of coverage for a restaurant will depend directly on the policies you apply to your insurance plan. The most common type of insurance for restaurants is business owner’s policy insurance, which bundles general liability, commercial property, and business income coverage into one plan. Bundling your insurance policies into a single plan can go a long way to making your insurance more affordable each month. Of course, the overall price may…

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What Insurance Does a Restaurant Need?

As with any business, owning a restaurant comes with a long list of potential risks and liabilities. Having the right kind of restaurant insurance can go a long way towards protecting your investment and ensuring that you are covered in a number of different scenarios. Keep reading to find out how you can properly insure your restaurant and save yourself from potential hardships down the road. Selecting the Right Business Insurance Package  A restaurant needs business insurance, of course, but tailoring the right package that includes all the specific policies that will keep you covered in a variety of situations is essential. Properly insuring a restaurant requires a comprehensive package that will protect you against the risks that are unique to restaurant ownership, as well as the more general risks that come with owning any business. Specific Insurance Requirements in the Restaurant Industry  There are certain risks that a restaurant…

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Does Homeowner’s Insurance Cover Wildfires?

With significant droughts being experienced across large areas of the western, southwestern, and midwestern United States, for the 4.5 million homeowners in fire-prone areas there’s one question that’s on everyone’s mind: if my house burns down, will my insurance cover it? It’s no surprise this is keeping many of us up at night; losing your home is bad enough, but if your insurance can’t cover it, for many people this could be a one-way ticket to bankruptcy. Does Homeowner’s Insurance Cover Wildfires? The good news is that most homeowners’ insurance policies will cover wildfire damage as a matter of course. In fact, there are usually several coverage types that will help you repair or rebuild your home, replace your belongings, and even help you and your family find temporary accommodation if it’s not possible to live at home. Dwelling Coverage Dwelling coverage is a simple form of coverage that will…

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