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Home Based Businesses Need Business Insurance

Joseph Coupal - Wednesday, November 09, 2011

There are many business owners in the Virginia, Washington, DC and Maryland areas that work from home. From consultants to caterers, home based businesses are not only imperative to household disposable income, but to the nation’s economy.

Homeowners insurance will not cover any loss of office equipment, and it will not provide public liability. If you work from home, you may need a specialist insurance policy. In fact, your standard household insurance may even be invalid if you work from home.

Even if it is small scale business you should not hesitate in getting it properly insured. Business insurance can save you from unwanted and unexpected hazards.
 
Every business, even those that are online, can be safeguarded through insurance. Contact TriState Business Insurance to see what coverage will best suit  your home based business.

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Limit Liability with the Right Pub and Nightclub Insurance

Joseph Coupal - Wednesday, September 14, 2011

Chances are that as a bar, nightclub or pub owner, you have business insurance coverage including general liability,  property and liquor. But are you covered for all the potential exposure? What about your bouncers?

You have to admit, Virginia, Maryland and DC have some hot spots for nightlife. The nightlife business is big business. In D.C. alone patrons can pay $10 or more for a drink; bars and clubs can be big money spots, or so your patrons can believe.

When starting or running a bar or night club, there are many risks and liabilities that need to be considered very carefully.
 
Tristate Insurance has the experience to make sure your bar, pub or nightclub has the proper insurance coverage. The potential liability exposure needs to be brought down to a minimum, the potential risk needs to be controlled; there are a many consideration to take into account.
 
Contact Tristate Insurance for a consultation with one of our insurance professionals. It’s the best place to start to protect your business.

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What is Liquor Liability Insurance? Do You Have it? And Do you Have Enough?

Joseph Coupal - Thursday, September 08, 2011

If your business deals with alcohol; manufactures, serves or sells it, you need liquor liability insurance. Liquor liability insurance is business insurance that protects your business against loss or damages as a result of claims against your business.

Most often of course, these claims are a result of an intoxicated customer of your business injuring themselves or others. Damages in these suits can be very high, and often business lack the right amount of coverage, exposing themselves to high liability. You may need this additional coverage if your business manufactures, sells, or serves alcohol.

You can buy liquor liability coverage as a separate liability policy or as an add-on to your commercial liability insurance. Keep in mind, that if you do not buy liquor liability, your standard liability coverage does not protect your business.

Rates for this insurance are based on the type of business, the location, and the business record.

While Virginia and Maryland are two of the few states that do not operate with Dram Shop Laws, your business, if it serves alcohol should have liquor liability.  DC does have Dram Shop Liability, and if your business serves alcohol, Liquor Liability insurance is a must.

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