Business Insurance Archives - Page 3 Of 8 - Otterstedt Insurance Agency

What Type of Insurance Do You Need As a Carpenter?

Written on April 28, 2021.

As a carpenter or woodworking handyman, you offer an invaluable service to the people you serve, but there’s always the risk of an accident occurring or having your property damaged. Regardless of whether you’re self-employed in a solo practice or you have a team of...

Does My Business Insurance Cover Flood Damage?

Written on March 24, 2021.

There are many perils involved in owning a business today. For this reason, many business owners purchase various commercial insurance policies. Unfortunately, many are surprised and dismayed to learn, only after they need to file a claim, that among the perils not covered by their many...

Before You Start a Remodeling Project Contact Your Insurance Agent

Written on March 17, 2021.

If you are among those who plan to remodel your home this year, it’s essential you have the right type and amount of insurance, both during your renovation and after, according to the Insurance Information Institute. So, it’s important you contact your insurance agent before...

What is Commercial Lines Insurance?

Written on February 24, 2021.

You may have heard the term “commercial lines insurance” and wondered what that means. Simply stated, it means the various types of insurance policies that a business can purchase to protect itself. Business insurance needs will vary because every business is unique. Even...

What is Inland Marine Insurance?

Written on January 27, 2021.

Perhaps one of the most confusing business insurance policies is inland marine insurance. It is also sometimes referred to as a floater policy. Most people define “marine” as having to do with water. In fact, the very definition of the word is “of or relating to...

How Does Electrical Contractors Insurance Work?

Written on December 17, 2020.

Insurance for self-employed electricians is a priority. Because of the various exposures electricians face, it’s important they have an insurance policy that’s customized with both general and specialized coverage. To run an electrical business smoothly, it’s essential you...

What is Snow Plow Insurance for a Contractor?

Written on December 7, 2020.

If you’re a snow plow contractor or own a snow removal business, one necessity to protect your vehicles, company, and other aspects of your business is snow plow insurance. Generally, snow plow contractors are required by law to obtain a certain level of snow plow insurance...

What Do You Need When You Start a Trucking Company?

Written on October 26, 2020.

There are plenty of things you need when you start a trucking company. You need trucks, drivers, loading equipment — and customers who want you to move their goods from one location to the next. You also need an appropriate amount of insurance protection and various coverage types...

Worker’s Compensation Changes Due To COVID-19

Written on September 28, 2020.

COVID-19 has undoubtedly changed so many things in our world. A condition that initially required 15 days to “flatten the curve” is changing lives, and even ending some lives, six months and counting, later. Existing worker’s compensation laws before COVID-19 specifically excluded...

What Type of Insurance Do You Need as a Contractor

Written on August 28, 2020.

As a contractor, you wear many hats. You may perform a dozen different jobs in one day on a single jobsite or on multiple sites throughout your service area. These are just a few of the hats you may wear on any given day: ...