Article by Richard Burgess
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Article by Bett Steinburg
www.gopherforum.com How often have you had questions about business insurance but just didnt get around to asking your insurance agent. Its possible you are just starting out and dont have lawn care business insurance yet. As we have found through our investigation on this topic, no one knows better what your insurance needs are than your local insurance agent. Each companys needs are as unique as the services they provide. Each state will also have different insurance requirements of you. Since these questions come up quite often, we decided to compile a list of the most common insurance questions asked by lawn care business owners and found a friendly insurance agent to give us answers. 1. Q How does an LCO determine which liability policy should be purchased? What percentage of LCOs have the following coverage? 0000.00, 00000.00 or 00000.00 Answer: Most all carry 00000 the difference in premium is minimal between 1 & 2 million worth of coverage. 2. Q: What is a reasonable rate for a 0000.00 / 00000 / 00000 liability insurance policy? Answer: Rates are based either on number of employees or sales. For an operation with 4 employees an approximate premium would be 00. 3. Q: How much more on average is a million or million dollar liability policy, what percentage of LCOs have this coverage? Answer: Most lawn care companies dont carry these high limits. 4. Q: What is the average LCO deductible for liability and theft? Answer: I recommend …
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Commercial Property Insurer FM Global Establishes Insurance Branch in Spain to Serve Growing Client Base in Region
Commercial Property Insurer FM Global Establishes Insurance Branch in Spain to Serve Growing Client Base in Region
Madrid, Spain (PRWEB) May 17, 2011
FM Global, one of the world’s largest business property insurers, has established an insurance branch in Spain and is now able to write local business through its Madrid office. FM Global has provided loss prevention engineering services to clients in Spain for nearly 30 years.
The establishment of an insurance branch office also will enhance FM Global’s responsiveness to local clients’ needs.
FM Global’s growth has followed that of its multinational clients who have rapidly expanded their global capabilities, leading the mutual insurer to provide its products and services in more than 130 countries.
The permission is granted to FM Insurance Company Limited, trading under the name FM Global located at:
C/Serrano Galvache, 56
Edificio Encina – 2a Planta
Madrid 28033
Spain
Tel.: +34 91 766 44 33
About FM Global
For more than 175 years, many of the world’s largest organizations have turned to FM Global to develop cost-effective property insurance and engineering solutions to protect their business operations from fire, natural disasters and other types of property risk. With clients in more than 130 countries, FM Global ranks #570 among FORTUNE magazine’s largest companies in America and is rated A+ (Superior) by A.M. Best and AA (Very Strong) by Fitch Ratings. The company has been named “Best Property Insurer in the World” by Euromoney magazine, “Best Global Property Insurer” by Global Finance magazine and was voted “Best Commercial Property Insurer” in Business Insurance’s 2010 annual Readers Choice Awards.
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Proper Rental Property Insurance Will Save You
Recently there was a fairly large fire in a property and Todd from State Farm dropped by to answer a few questions on how these things are handled. Learn more at www.RockStarInnerCircle.com