Top 5 Mistakes People Make When Getting Business Insurance

This might come as a surprise to some, but getting the right insurance for your business might be one of the most important decisions you’ll make as a business owner. The consequences of inadequate coverage, or no coverage, could be devastating. There is a whole world of things that can happen to you and your business. Not protecting yourself and your business with the right insurance could cost you in so many ways.

That’s why engaging in a process of obtaining business insurance right for you and your company is so important. Do you know what general commercial liability insurance is? Well, if you don’t, then it’s just another reason why doing it right is so important. Not doing it right might cost you when you need help the most — during crisis. It’s why people get insurance. It’s why smart business people get smart business insurance.

Doing it right essentially means avoiding some common mistakes made when trying to get the best insurance policy for your business. Knowing what some of these mistakes are, and avoiding them in the future, will help you in your quest to simply make the right business decision when it comes to insurance.

Top 5 Mistakes When Getting Business Insurance:

1. Discounting the importance of business insurance

Business people of all types, whether it be CEO’s of large business conglomerates, or even someone just working out of their home office, have their own set of reasons for getting insurance specifically for their business. But not all business people necessarily think this way. Some think it might be too costly. Some think it might not be necessary . Some may even think that they’re covered by other insurance policies that they have for their property or for themselves.

Not having the insurance specifically tailored for your business often comes as a result of simply not thinking that it’s necessary. But it is. Take general commercial liability insurance, for example. This kind of insurance protects businesses from the costs of lawsuits resulting from basic damages done to people or property that have even the slightest contact with what you do. Not having this coverage when someone decides to throw a lawsuit at you, even if frivolous, could cost you in terms of money and reputation.

2. Not knowing the basic issues

It’s nice to think that insurance is just insurance, but it isn’t. Would you get car insurance for you house? Would you get life insurance for your healthcare? Of course you wouldn’t.

Yes, some of the issues involved in business insurance are similar to other forms of insurance. A good policy will, for example, protect your assets in case they get stolen. It will also protect you if bad weather destroys your business property. These are straightforward insurance issues for your business. But don’t be fooled into believing that they’re the only insurance issues for your business.

For example, take general commercial liability insurance. Some business owners might not even know what liability insurance actually is. It’s the insurance that protects you from the financial costs resulting from a lawsuit from somebody who claims they or their property has been hurt or injured as a result of the way your business conducted itself. General commercial liability insurance is the kind of insurance those companies engaging in commercial activities get to protect themselves because people hurt themselves on their premises or one of their products did damage to someone’s property. Being knowledgeable about these kinds of things will most certainly help you get the right insurance.

3. Not getting insurance early enough

There are two things that can happen to you if you don’t get insurance for your business early enough. The obvious one is that you’ll need it before you get it, and you’ll be stuck with paying for the damages from a storm or a lawsuit yourself. The other thing that can happen is that you will not have a budget for your start-up for the proper insurance, so you’ll get stuck with inadequate coverage. That’s the last thing you want to happen. Therefore, to avoid it, thinking about insurance as early as possible, even at the business plan stage, will help you create the budget you need to get you adequately covered for all future circumstances.

4. Getting the wrong kind of insurance provider

Perhaps the most tempting option for someone seeking business insurance is to get it through insurance companies they’re already doing business with. So, for example, you like how your house is covered, and who’s covering it, so you’ll seek to extend that coverage to your business, too.

The reason this is inadvisable, or should at least be looked at very carefully, is that your property insurance provider might simply not have the kind of experience with the kind of insurance you need for your business.

For example, if general commercial liability is what your particular business is in need of, even if a provider carries that kind of insurance, they may simply not have enough developed expertise to know what’s right for your particular needs. Ideally, only those companies and agents who have dealt with your kind of business before can help your kind of business get you adequately covered for your particular situation.

5. Getting the wrong kind of coverage

Following from the risk of getting the wrong insurance provider, a mistake to avoid is getting the wrong kind of coverage. Ultimately, you’re the person in charge of making the right business decisions for your company. You’re the best person suited to look out for your own interests. No one else is. That’s why it’s incumbent upon you to make sure you’ve got the right coverage for you and your situation.

As much of the above already suggests, delegating these decisions is important. Yet, in the end, it’s you who has to decide if you have the right kind of coverage for your business. After going through the entire process, collecting all the information, and talking to the right people, it’s you who makes the decision. Make sure it’s the right one for your business and where you want to take it.

7 Of the Most Important Wheelchair Travel Tips

Here are 7 of the Most Important Travel Tips for Wheelchair Users:1) Have a shower cap with you at all times!This may seem like a weird tip for wheelchair users, but a simple shower cap can come in very handy. Imagine that you are out exploring a city and rolling from place to place, then suddenly it starts to rain. What do you do to protect your chair from getting soaked and potentially malfunctioning? If you have a shower cap, just throw it over the joystick controller area. It is the perfect size to completely cover the joystick area, but you will still need an umbrella to protect the rest of your chair of course.2) Whatever you do – FIND A LOCAL WHEELCHAIR REPAIR SHOP BEFORE YOU TRAVEL!Before you even think about traveling somewhere new, use the magical powers of Google to locate a wheelchair repair shop in your desired destination city. You never know when your chair will tear up or when the airline will damage your chair. There is nothing worse than arriving somewhere, only to learn that your chair isn’t functioning. It’s always better to be safe than sorry!3) Take more money than you think you will need.This is one of my favorite travel related quotes and couldn’t be more true. I always try to calculate how much money I need to take on a trip to cover meals, attractions, taxis and souvenirs, and then add at least $250-500 for unexpected circumstances that could arise.4) Book transportation before you leave home.Many cities do offer wheelchair accessible transportation of some sort, but it may not always be readily available when you want it. At the least, book in advance an accessible taxi from the airport to your hotel and then from your hotel to the airport for your departure. After arriving at your hotel, the concierge should be able to help you get transportation around the city, but feel free to book as much as possible beforehand. It’s no fun sitting at your hotel waiting on a taxi. Trust me, I know from experience. I once waited almost three hours for an accessible taxi that never even came.5) Take parts of your wheelchair as a carry-on.Plan to take an empty bag to the airport with you to put parts of your electric wheelchair in as a carry-on. I always detach the footrests and the joystick of mine, and I have detached the headrest before as well. I have heard horror stories of disabled travelers arriving to their destination to discover that parts of their wheelchair are banged up or even missing completely. Luckily, I’ve been pretty fortunate to not have experienced this, other than losing a joystick knob once. Also, take your wheelchair cushion on the plane to sit on throughout the flight. It is much more comfortable than the plane seat.6) Check the voltage at your destination.Wheelchair chargers can be tricky when traveling. So tricky in fact, that my charger has blown up twice in two different countries. I took a converter to charge my USA charger with in Germany and England, but as soon as we turned it on to charge it blew up. The chargers are so powerful that they just can’t convert properly as needed. In London I ended up finding a repair shop that sold chargers so I had to buy a 240 volt charger on the spot. This wasn’t cheap though. It cost a whopping 250 £. For future trips that you have planned, do some research and see if anywhere will let you rent a charger while you’re in the country. This is a great website where you can check the voltage of every country: http://kropla.com/electric2.htm7) Never ever EVER book a vacation over the internet!When you are booking flights and hotels, always be sure to call instead of booking online. Sure, it’s fun to browse online and the web can definitely help you make a decision as to where to stay, but somewhere saying that it is wheelchair accessible online can mean many different things. I once found a hotel online that said it was wheelchair accessible, so I called them to reserve it and I asked what was accessible about the hotel. The receptionist responded by saying “We have an elevator”. They did not have a roll in shower, wide doorways, or anything that I needed… just an elevator. As far as flights go, when you book a flight you have to request bulkhead seating (the front row of seats) over the phone. The bulkhead seats usually have much more room to get into the seat and sometimes the armrest will lift up, making these seats ideal for wheelchair users.

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