Business Insurance Archives - Page 6 Of 8 - Otterstedt Insurance Agency

Employer Company Car Accidents & Violations: Who is Liable?

Written on February 15, 2019.

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...

Is Your Business Susceptible To a Data Breach?

Written on January 30, 2019.

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...

Who Do I Call if I Have a Claim?

Written on January 8, 2019.

Who Do I Call if I Have an Insurance 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...

What is Replacement Cost on Contents and Building?

Written on January 3, 2019.

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...

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

Written on November 29, 2018.

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 equipmentPerforming routine vehicle maintenanceVerifying salt suppliesUpdating GPS...

How to Prepare Your Business for Health Insurance Open Enrollment

Written on October 19, 2018.

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...

What Insurance is Needed for a Company Event?

Written on September 28, 2018.

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...

How Does No Fault Auto Insurance Work?

Written on September 20, 2018.

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...

How to Prepare Your Business for Hurricane Season

Written on August 24, 2018.

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...

Insurance and Liability Issues of Outdoor Employee Areas

Written on July 26, 2018.

Many businesses are eager to offer something extra to their employees. Sometimes these little extras come in the form of business perks, like Food Truck Fridays or having someone come into the office to offer massage services or car detailing to employees. Sometimes, it’s something more...