Clopton Capital Prepares for Launch of Micro Business Loan Program
Chicago, IL (PRWEB) January 10, 2012
Months ago, Clopton Capital, a Chicago-based business loan provider, acquired the ability to refer micro business loans through a third party and thus monetize loan requests they would have had to previously discard. The firm now intends to integrate and market this service through their primary website, CloptonCapital.com in the coming weeks. While they don’t believe this service will make them a significantly higher profit, they do however feel it will decrease current disadvantages in their marketing plan by allowing them to make a reasonable profit off of micro business loans instead of making nothing at all. “This is a program I have been searching for for quite some time. Now that I have it I feel I can leave a more positive impression on those seeking business loans who I previously couldn’t justify seeking a loan for. It benefits us and those who happen to stumble upon our website”, said Jake Clopton, the founder of Clopton Capital.
Clopton Capital’s future plans involve integrating this micro business loan referral portal into several of their other websites and to find other services that their clients can benefit from which can either be providing by Clopton Capital or through some sort of viable referral agreement. One such idea is to provide semi truck insurance via their semi truck financing website and another is provide commercial property insurance for the various properties they finance. Neither of these ideas have been completely accepted as viable as of yet.
Any businesses or commercial real estate owners who are seeking business loans are urged to contact Clopton Capital at 866.647.1650 or via their website CloptonCapital.com.
For more information about Clopton Capital’s business loan services visit their website dedicated to them at CloptonCapital.com. To join their financial link exchange visit CloptonCapital.com/link.
Businesses that are directly associated with public are prone to liabilities as there are chances of accidents, even after making a conscientious effort to avoid them. If your customer or any other person sues you for death, injury or property damage at your premises and if you do not have public liability insurance, you may face significant costs that can cripple your business.
These liabilities pose a severe financial threat to the businesses. Apart from the claimed amount, the high legal costs incurred in defending the cases filed by the third-parties are also to be paid by the company. Hence, having public liability insurance is very important to get out of these unexpected heavy expenses.
Read on further to know about the frequency of personal injuries at business places and how the public liability insurance helps in protecting your business from these claims.
Statistics of injury claims: According to the reports released by the Injuries Board of Ireland, there were 8,645 personal injury claims lodged in the year 2009. Among them, one in six (17%) were related to public liability, with an average award amounted to 23,143 Euros for each claim. Nearly 51% of these accidents took place in privately owned establishments, 25% in retail/shopping outlets and 19% in pubs/night clubs or restaurants. With this high rate of accidents, businesses are required to take a public liability insurance to stay guarded of future legal claims.
Listed below are the benefits of having public liability insurance.
Reimbursement of claimed amount along with legal fees: Public liability insurance compensates you with the amount of reimbursement claimed by the third-party and also the money paid as legal charges for fending such claims. This is especially significant since you are required to pay large amounts of money as legal fees.
Covers expenses related to property damage: In addition to death and injury, the damage or loss caused to the property of the third-party is also covered. Hence, a public liability policy provides the third-party with the repairing costs of the damaged property or the cost needed to buy a new property.
Offers recovery expenses: Another good thing about the policy is that it offers recovery expenses. Along with the claimed amount and legal fees, the policy also provides medical aid to the injured person. This insurance covers costs related to hospitalization, treatment cost, medical bills, rehabilitation, and other damages. Some policies also offer domestic help and other aids to help the victim recover quickly.
Provides assistance in legal dealings: The main advantage of liability policy is that the business owners do not have to constantly worry about the legal fights. The insurance company deals with all the legal complexities associated with the claim. For instance, if you lose the case, the insurance company pays the compensation and the legal fees, and if you win the case, it collects the legal fees from the injured party. This way the insurance company eliminates your legal hassles.
Protects the employees: Public liability insurance cover helps and protects the employees in case they are responsible for any accident that injures or damages a third-party or his property due to negligence at work. As they represent the company, the policy indirectly protects them from legal costs. This shows the company’s concern towards its employees.
In order to survive in this litigious society, every business needs public liability insurance to protect itself from the risks, costs and compensations associated with accidents.
About the Author
Keystone Insurance Group is Ireland’s premier supplier of public liability insurance and business insurance solutions to Irish industry. We offer a broad range of builders insurance, construction insurance, and business liability insurance products. Our public liability insurance Ireland and business insurance Ireland products offer great value to contractors and general business customers. Our experienced and professional team quickly arranges quotes for all classes of business insurance.
www.peter-aston.co.uk Cottage Industry are a 4 piece ceilidh & barn dance band from Dorset specialising in song and dance from England, Ireland & Scotland plus medieval banquets, shanty sessions and Dorset, St. Patrick’s & Burns’ evenings. Cottage Industry were established in 1976, since when the band has been on one long rollercoaster of a tour! Gigs across the country have included theatres, castles, country mansions, hotels, boats, clubs and pubs – and leaky barns! It also seems like almost every village hall in Dorset & Hampshire has echoed to the sound of the band’s driving jigs & reels! Highlights of the past 30 years have included a ‘medieval banquet’ broadcast live from the BBC studios in Southampton and playing aboard a schooner owner by an exiled Cuban goldminer – with a crew of 10 Swedish girls! Over the years the band has done quite a lot of recording – starting in about 1978 in a 4 track garage studio owned by photographer Roger Holman, to BBC Maida Vale Studios in 1981 & 1982 which produced a release “We’re All for Swanage”, a song about Swanage Railway that made us famous on TV and radio – well, for about half-an-hour anyway! In recent years Cottage Industry have recorded in Peter Aston’s 16 track studio. Cottage Industry are available for engagements in England & Wales. A quick way to check our availability is to click on “Bookings” in the left hand menu. As Peter Aston is a member of the UK Musicians’ Union, engagements carry automatic public liability …
When you make a mistake with your house insurance, it could cost you a small fortune. House repairs are costly proceedings, and without the cover that insurance provides, you can be stuck with the full cost of repairing a roof, or fixing broken pipes. This problem is significantly multiplied by having people in your property that you don’t really know, and might not necessarily trust. Think about it like this: would you lend your car to a stranger without adequate protection against them stealing or crashing it? I’m guessing not. As a general rule, try to use your insurance to guarantee, as much as possible, that your property can be returned to it’s original format, regardless of what tenants do.
Landlord property insurance covers two main aspects. The first is the structure of the building. This includes any type of carpeting (which is a common problem for landlords), white goods and other fittings. Remember, it’s surprisingly common for tenants to remove items that don’t belong to them when they leave. Washing machines go missing regularly, simply because they’re so obvious. You insurance probably won’t cover theft by tenants. Usually it only covers forced entry.
Another common issue is tenants redecorating without approval. It’s natural for a tenant to want to redecorate, but if they turn the place into too personal a space, then you may have difficultly letting it after they are gone. Not everyone has good taste. In this instance, you need cover with your landlord property insurance that ensures you can claim to take it back to its original dcor. The forced entry or exit rule applies here as well, so make sure you have an adequate deposit.
Contents insurance is very useful for those who want to rent out a furnished property. This will cover anything like TVs, beds, furniture and other items you have left for the benefit of the tenants. Remember that the more desirable pieces are most likely to go missing. This brand of landlord property insurance is a reasonably simple affair, and requires you to list the value of the items inside and submit to your insurance company.
Calculating your landlord property insurance is done by your insurance company, and while there are a number of ways of doing this, you don’t have much say in the methodology. Basically, your insurance company takes the structure, age and use of the building into account and creates a rating for your building. This can then be translated into a risk rating for your property. Above all, make sure you’re covered for any damage done by your tenants, and you should be okay.
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If you are a property owner, then landlord protection insurance is something that you need. Get a free quote today.
Landlord property insurance – good news as demand from buyers remains low. Video Rating: 0 / 5
If you are a tradesperson or someone who operates a business where customers or visitors either enter your premises or you have to travel to your customers’ locations to execute your work, then you would need to have a public liability insurance policy. As the name implies, public liability insurance is an insurance policy that a tradesperson or business owner would purchase to protect a business from liability for injury or damage that could occur to other people or property, such as those occurring on your business property, or at the client’s establishment where you are conducting business. Basically, where clients and businesspeople are interacting, public liability insurance covers any possible damage or injury that can occur to people or property during the conducting of business or work.
If you own, or plan on owning a business in the future, one thing that will be extremely important is public liability insurance. What this means is that, if your business is responsible for injuring a third party, or is responsible for some type of damage to their surroundings wherever they may be, public liability insurance will protect them and cover them from any type of legal prosecution that they may be faced with. Without this insurance there as a safety net to handle any financial losses due to damages, you may be faced with paying out more then you can afford, at which point you’re basically out of business. If you want to avoid that from happening then you should make sure you have this very important insurance.
A number of businesses today are opting for public liability schemes despite the presence of some other type of business cover. However, you might already be covered by the public liability scheme as part of your existing business insurance. If you already have a public liability cover or you are planning to get one for your business, there are certain factors that you should keep in mind.
First and foremost, you should make sure that the public liability insurance you have opted for cater well to your business needs, depending upon the nature of business. You also need to estimate whether the existing cover is sufficient for your needs or if you need an extra coverage for protecting your business against other odds. You should also make sure that you are well aware of the terms and conditions of the insurance, so that you know what is covered under the policy and what is not. This would not only save you hassles later, but also ensure that you get an insurance cover for the aspects that were not covered in your earlier policy.
For any kind of business, you should make sure that you have all the insurance that is required. Firstly, you should understand the key points for the different types of insurance, and make sure that you have adequate public liability insurance, so that you can cover all the insurance required, if the business undergoes financial losses, or accidents that occur as a result of injury to a person or damage of the property.
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