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 Going green is a growing trend among both consumers and businesses. It’s a great way to protect the environment, reduce dependence on oil, and focus on sustainability. Going green doesn’t just help reduce harmful pollutants and oil use though; it can also save you money on your commercial insurance policies.
Cashing in on the Green
Not every eco-friendly decision you make for your business will result in insurance discounts. Going paperless and reducing heating and air conditioning usage won’t result in any discounts, although these moves can save you money in other ways. If you want to focus on the changes that will result in insurance discounts, the first place you can go is to your vehicle fleet. Hybrid vehicles are often rewarded with discounts by insurers as they present less risk of accident and loss through theft.
Another way to get green discounts on commercial insurance is to invest in sustainable supplies when renovating or building your business locations. If your business is Leadership in Energy and Environmental Design (LEED) compliant, you can get discounts built into your commercial property policy. More important than discounts, perhaps, is that green commercial insurance covers the specialized materials that are used to create a LEED compliant building. This is because their policies provide replacement costs and specify that the replacement can be of like kind and quality; an important distinction from a non-green policy that may not support the purchase of sustainable building supplies.
For businesses that own older with non-LEED compliant buildings, there are no green discounts to be had but they may invest in green building upgrade coverage. Then, if a covered event causes damage that requires rebuilding or renovation, the business owner can build with certain sustainable, eco-friendly products that might not otherwise be covered.
Allow All About Insurance to help you maximize all the benefits that having a green business can offer. Together we can get your Dallas or Arlington business insurance coverage where it needs to be to offer you full protection from risks while supporting your effort to go green.
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Posted Friday, January 20 2012 2:49 PM
Tags : insurance, business, commercial, owner, dallas, texas, TX, dallas business insurance, arlington, Arlington business insurance
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 Your employees look to you for many things. They expect that you will keep business running, paychecks flowing and their interests protected while they hold up their end of the bargain in working for you. One way that you can meet their expectations, even in the face of disaster, is by having the right insurance policies for your business.
Commercial Auto
If your employees drive their cars to run company errands, it’s important that you cover them with your commercial auto policy. If your employees drive a company vehicle, the proper commercial auto insurance policy ensures that your property is protected and you can continue running your business effectively even after the automobile is damaged in an accident. It also ensures that your employee’s injuries, should they have any, are covered.
Worker’s Compensation
If one of your employees should become injured at work, they will be owed wages during the time they are unable to work as they recover from the injury. A worker’s compensation policy ensures that you can meet the financial obligations you owe to those who are injured while in service of your company.
Liability
A general liability insurance policy can help prevent your company from going bankrupt in the face of a large liability claim. If you hire medical, legal, or other professionals for your business, professional liability insurance will protect them in the event that they’re negligence results in errors, omissions or malpractice.
Business Interruption Insurance
If an insurable incident occurs that decimates your business causing it to lose income as you rebuild, business interruption insurance could help keep your employees on the payroll. Interruption insurance as part of your commercial property insurance policy, replaces your lost profits while also providing benefits to help pay for your temporary location. This not only keeps your employees paid while you rebuild but also ensures that there will be business for them to return to once you are ready to open shop again.
Key Person Life Insurance
There are some employees who are irreplaceable. Without these key employees, your business income would suffer a deep blow and your rank-and-file associates could find themselves out of work. A key person insurance policy provides a death benefit to your business in the event that a key employee dies. This benefit can help pay for the costs of recruiting a replacement and supplement any lost income that your business suffers, which can help keep all your other employees paid.
Employers often think of group health and life insurance benefits as the only way to help their employees, but the right business insurance policies can keep your business going and your employees paid even under the direst circumstances. If you want to learn about any of these policies and how they can affect your Dallas Business Insurance, give us a call at All About Insurance.
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Posted Thursday, December 15 2011 2:41 PM
Tags : insurance, business, commercial, owner, dallas, texas, TX, dallas business insurance, life, liability, workers comp
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 Due to the continuously shaky economy feel compelled to freeze wages, reduce hours and reduce retirement fund contributions. If a key employee leaves your business and needs replaced, you may find it difficult to do so with the above circumstances holding you back. However, you may find that by offering insurance benefits to your employees, you can gain the competitive edge you need for retaining or replacing employees.
Group Health Insurance
Individual health insurance can be a difficult product for some people to afford, so offering group health insurance to your employees can be a huge bonus in terms of benefits. Paying for part of the employee’s premiums sweetens the deal even more.
Life Insurance
An estimated 30 percent of households are currently without life insurance, and 50 percent believe they need more than they have. Many people barely have a handle on their monthly bills and cannot correct their life insurance situation by getting the coverage their family needs. When you offer group term life as a benefit, you are not only helping your employees supplement their current policy, but you make it possible for them to solve the common problem of being under-insured.
Disability Insurance
Few families have the savings needed in order to survive after a disabling accident without disability insurance. Offering this benefit sends a message to your employees that you care about more than just covering your own liabilities; you care about them.
Insurance benefits signal to employees that you place a value on them that goes beyond money. It can also provide an affordable way for you to make your employees feel protected and secure. In an economy that rarely exhibits the same set of feelings, this is an extremely important step.
To find out how insurance benefits for your employees can fit into your business budget, call your Dallas Business Insurance specialist at All About Insurance today.
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 Even the most well-thought-out marketing plan can’t protect you from every possible situation that could interrupt your business. After all, if your equipment stops working, an act of nature takes away your electricity, or a hacker ties up your website, there isn’t a lot you can do to create an immediate work-around that ensures that your business avoids interruption.
What is Business Interruption Insurance?
The interruption of your ability to do business—through no fault of your own—does nothing to remove the need you have for the income your business brings in, however; nor will it remove your responsibility to pay the normal operational expenses that your business incurs. Business interruption insurance, a type of coverage generally available as part of a property insurance policy, helps to protect you from the resulting financial fallout caused by listed perils or insurable incidents.
What does it Cover?
Every policy will have its own listed perils and exclusions, though interruptions caused by thefts, fires, or other catastrophes are generally included. While some policies might provide protection from hackers that make your business systems unusable, others might exclude that coverage. Still other policies might consider an accident or injury to the business owner to be an insurable interruption.
Making Claims
Generally, when claims are made, the insurer looks at your financial records for the past few years to determine what your losses are due to the current interruption and the benefit pays all or a portion of those estimated losses as well as operating expenses during the time of business interruption. Some policies may also pay for the substitution expenses that arise from temporarily conducting business in another location.
No matter what your policy considers an insured peril, it’s important to have financial records available in a safe location should you need to submit a claim. Because you need to prove the amount of your losses, having financial data backed up so that you can still access it after an insurable incident, is vital.
Check with All About Insurance for information on your Dallas Business Insurance today!
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Most business owners would agree that it’s important to maintain insurance to protect business assets. When they think about insurance, business owners generally consider protection against hazards such as fire, flood or theft at their company sites. This is obviously an important protection to have.
 However, there are other types of hazards that may not be quite as high on the list, but protection could be every bit as important to offset significant financial losses. Here are five examples that underscore the need for comprehensive business insurance protection:
Company vehicle contents: If you operate a business with employees on the road making service calls to customers, chances are there is valuable equipment contained in the company vehicles. But a typical auto insurance policy would probably not cover the contents of a company vehicle if that valuable equipment is lost or stolen.
Tenant property improvement insurance: Do you rent space to conduct your business? Have you built out the interior of your space or made improvements to accommodate your business needs? If so, you probably made a considerable investment in the improvements. But many property insurance policies don’t include the value of the improvements made by a tenant to the existing structure. If you’ve invested in improvements, it’s worth taking a look at securing coverage to protect it.
Home-based business equipment: More and more people are working at home at least part of the time, even if they maintain an office or site elsewhere. Most don’t have insurance on the business equipment they keep at home; many assume their homeowner's insurance would cover it. However, homeowner’s insurance generally does not cover business equipment. If you have expensive business equipment at home, you may want to consider purchasing additional protection.
Business interruption insurance: Remember the series of hurricanes that hit Florida? The wild fires that damaged cities and towns in California? The flooding that disrupted life in the Midwest? In addition to the effect that disasters have on individuals, they can bring businesses to a standstill for weeks or even months. Business interruption insurance can provide a way to get back on your feet.
Key person insurance: In many companies, the knowledge and skills of a single person or a top few are absolutely essential to the enterprise’s success. Key person insurance can help a company recover if an essential employee dies or becomes disabled for a lengthy time. The coverage can provide needed funds that allow the company to continue operating during a search for a successor or until the key employee returns.
As you can see, there are many hazards businesses face that aren’t covered under a typical insurance policy. However, you can get extra protection with the types of coverage outlined here. Since you invest so much time, money and effort into your business, it pays to make sure you have the protection you need.
Make sure you're covered with Dallas Business Insurance from All About Insurance today.
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