What Type of Insurance Do You Need as a Plumber?

Plumbing businesses are businesses. Just like any other businesses, you need business insurance to protect your personal interests and assets. Whether you are a residential or commercial plumber, you have unique challenges, risks, and insurance needs. These are among the types of insurance you need to purchase if you own a plumbing business. Business Owner’s Policy This is […]

Employer Company Car Accidents & Violations: Who is Liable?

When employees use business vehicles for business errands, the question of liability and responsibility often arises. Who is responsible for acts of drivers in business vehicles? It’s a question some employers do not even consider until a violation, accident, property damage, or injury has occurred. If you are one of the many employers who hasn’t […]

Is Your Business Susceptible To a Data Breach?

Many business owners mistakenly believe their businesses are too small to attract malicious hackers and others attempting to steal information, money, and more through data breaches. Nothing could be further from the truth. Small Business Trends paints an alarming picture of the reality of vulnerabilities small businesses experience when it comes to data breaches. These […]

Who Do I Call if I Have a Claim?

If you’re like many people, you buy insurance hoping you’ll never need to file a claim. However, if the time should ever come when you do need to file a claim, it’s important that you know what to do. One of the many benefits of working with a local agency, like Otterstedt Insurance Agency, is […]

What is Replacement Cost on Contents and Building?

When buying insurance or shopping around for policies, you’ll come across many terms that might seem foreign to you. At least in the concept of buying insurance. One of those terms is “replacement cost.” You need to take the time to learn about this one because it’s an important term to understand. Whether you’re insuring […]

Own a Snow Plow Company? Make Sure You Have the Right Insurance

As winter begins, snow plow companies of all sizes are getting ready for work. You know the work that goes into preparing your crews for the long winter ahead involves many tasks, including: Checking equipment Performing routine vehicle maintenance Verifying salt supplies Updating GPS navigation and tracking devices Confirming routes There is one other thing […]

How to Prepare Your Business for Health Insurance Open Enrollment

Open enrollment for health insurance through the healthcare marketplace begins November 1, 2018, and lasts through December 15, 2018. Plans sold during this enrollment period go into effect on January 1, 2019. As a business owner, you can follow the same formula for open enrollment periods with plan changes going in effect at the first […]

What Insurance is Needed for a Company Event?

Depending on the type of company you operate, you could find yourself hosting various company events throughout the year. The events could be for a variety of reasons from training to celebrating to simply building relationships within your organization. Some of the events include things like: Picnics Holiday Parties Retreats Company Outings Training Events Product […]

How Does No Fault Auto Insurance Work?

The term “no-fault” when it comes to auto insurance has been somewhat misused and abused over the years. The important thing to understand is that there are only 16 states (plus Puerto Rico) that have no-fault auto insurance laws. If you do not live in Puerto Rico or one of the following states, no-fault insurance […]

How to Prepare Your Business for Hurricane Season

While hurricanes can happen at any time of the year, hurricane season officially begins June 1 and ends on November 30. These are the months when hurricanes are most likely to occur in the Atlantic region. Businesses operating along coastal (or inland from coastal regions) may suffer severe damage when hurricanes strike. Just like preparing […]

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