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Angela Ripley

Sep 30

Insurance Menu for Fast Food and Quick Service Restaurants

By Specialty Insurance
Fast-food and quick-service restaurants carry many of the same risks as other restaurants and businesses — for example, property damage, employee theft, and cyberattacks. A typical commercial policy generally will cover these common types of risks for a fast-food restaurant. However, if a restaurant is part of a franchise, leases its premises, or seeks a bank loan, it may be required to purchase additional insurance to cover risks that are specific to the fast- and quick-service food industry.If you own or operate a fast-food or quick-service restaurant and are concerned whether you are properly insured, talk with your local Trusted…
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Sep 16

Before the Hurricane: Safeguard the Future of Your Business

By Personal Insurance
Trusted Choice® Hurricane Insurance for BusinessAre you a business owner? Here are two alarming statistics about natural disasters for you: As many as 4 of 10 businesses that experience a natural disaster never recover. Worse, at least 1 in 4 businesses that are forced to close in the wake of a disaster never reopens. And if your business is small, or if all of your operations are in one location, the outlook worsens.If your business is located in a hurricane zone, you need to have a disaster plan in place. Luckily, you have an abundance of resources. You can find…
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Sep 02

Trusted Choice: Flood Insurance

By Personal Insurance
Water, Water Everywhere Water, Water Everywhere Water. We love it when it’s clean and tasty. We love it when it makes our gardens grow. We love swimming in it or watching it in fountains, waterfalls and oceans. We love water as long as it stays where it’s supposed to be. But that life-giving, cleansing force can be powerful and destructive despite our best efforts to tame or contain it. Every water-based system or appliance, whether it’s a sink or a dam, will eventually need maintenance or replacement. No building code can guarantee a structure will withstand a relentless barrage of…
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Aug 19

Having The Right Coverage in College

By Home Insurance, Personal Insurance
Trusted Choice® College Wars: May the Coverage Be with You!One of the most anticipated events and loved film series is Star Wars! From those who fondly remember seeing that massive star destroyer fill the theater screen for the first time in 1977, to those who’ve only watched the later animated version, millions of fans eagerly await a return to that universe far, far away.Similarly, the parents among you may also be remembering your inaugural journey to a college campus far, far away — as you prepare your own son or daughter for imminent departure into an unfamiliar universe. You may…
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Aug 05

Before the Storm Hurricane Preparation Checklist

By Personal Insurance
Trusted Choice®: Be Prepared for the HurricaneThe hurricane survival experts at the Florida Division of Emergency Management offer you advice for before, during, and after the storm.Countdown Checklist: Before the StormProperly preparing for a hurricane requires time and effort, but if a storm affects your family and your home, you’ll be glad you prepared. The following tasks are listed in chronological order from earliest to last. Do yourself and your loved ones a favor and get a jump on the steps counting down from 13 to 10 before the next hurricane season begins in your area.Take an inventory of your…
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Jul 22

The Dangers of Distracted Driving

By Auto Insurance
Distracted Driving – Helping to Halt the Problem Distracted Driving – Helping to Halt the Problem Distracted driving has become one of the most major causes of serious automobile accidents in the United States. According to the Virginia Tech Transportation Institute, 80% of automobile accidents involve driver inattention. Eating, drinking, applying makeup, and the use of GPS are all distractions that have contributed to this astounding number of accidents. The use of mobile phones behind the wheel undoubtedly proved to be the biggest problem. Texting while driving is 6x more likely to cause an accident than drunk driving. According to…
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Jul 15

Checklist for Home Insurance

By Home Insurance
Hey, Homeowner! You Should Review Your Home Insurance NowDid you know that one in 15 insured homes has a claim each year?Yes, according to the Insurance Information Institute, it’s only a matter of time before it’s your turn to file a home insurance claim. Wind, hail, water damage, freezing, theft, fire and lightning are just a few of the common culprits. Now tack on the probability of a liability claim or lawsuit being filed against you or a family member, and the likelihood of your home insurance staying on the bench forever is slim.Following is our handy checklist of to…
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Jul 08

Tips for Buying a New Car

By Auto Insurance
Top 10 Tips for Buying a Car Buying a car is a big purchase! Here are the top 10 tips to steer you in the right direction: Do your research ahead of time. Check out vehicle features and compare prices online. Being knowledgeable will help you negotiate and get the best deal. Compare prices with local dealerships. You are never bound to one dealership for simply scouting out the market. Consider obtaining financing from your bank, rather than the dealership. Banks and credit unions usually offer better rates than dealerships when financing. Always negotiate: The price of the car, terms…
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Jun 24

Commercial Umbrella Insurance: When General Liability Meets Risky Business

By Umbrella Insurance
Insurance Considerations for Businesses Insurance considerations for businesses can be many and overwhelming, and even with the best coverage in place, there can still be limits. That’s where a commercial umbrella policy comes in. Designed to give businesses extra coverage for those costs that exceed policy limits, an umbrella policy can be a saving grace for businesses hit with a claim that results in legal costs, medical bills, damage to others’ property, and judgments and settlements — to name a few examples. How does commercial umbrella insurance work? Basically, umbrella coverage extends the coverage that a business already has, providing…
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Jun 11

Checklist for Auto Insurance

By Auto Insurance
Self-Driving Car? Someday … but Not Today Self-Driving Car? Someday … but Not Today 13 Essential Auto Insurance Tips for Human Drivers As drivers, we humans can make bad decisions and cause accidents. Consider how easy it is to drive while distracted. And we drive in a world full of perils — damaged and congested roads, flooded streets, fallen branches … the list is endless. If you find yourself in an auto accident or if your car is damaged, regardless of the cause, a rock-solid auto insurance policy will minimize the resulting inconvenience and expense to you. Here are 13…
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