General Liability: Who is an Insured?

| Business Insurance, General Liability Insurance.

In a commercial general liability policy, the named insured is the person or organization that is specifically listed as the owner or policyholder on the declarations page. Beyond that specifically described named insured, the general liability coverage form also grants insured status to a number of other persons and entities. Knowing who is an insured… Read more »

Business Insurance in Las Vegas, Nevada

| Business Insurance.

The economy of Las Vegas is moving along at full-speed, according to Las Vegas Global Economic Alliance’s 2018 outlook. By nearly every metric our local economy is growing, and many industries are thriving. The manufacturing, technology, and construction industries are especially booming right now. We hope your business is also thriving in the Las Vegas… Read more »

Commercial Property Insurance Water Damage Claims

| Business Insurance, Commercial Property Insurance.

Water damage claims to commercial property are increasingly common. In fact, a study by Hartford Insurance Company shows water damage claims are second in frequency to burglary and theft losses. The cost to deal with water damage can be very high and, unfortunately, certain types of water damage claims may not covered by standard commercial… Read more »

Handyman Insurance Tips

| Business Insurance, Insurance education.

Working as a handyman requires a wide variety of skills. From plumbing and electrical work to carpentry and drywall repairs, a handyman can do it all. Protecting your business requires the assistance of knowledgeable insurance partner, such as the professionals at Safeguard Insurance. Here are some helpful handyman insurance tips to make sure you have… Read more »

Tow Truck Insurance Coverage Basics

| Business Insurance, Commercial Auto Insurance, Tow Truck Insurance.

Like many industries, tow truck operators have very specific insurance needs. To protect your towing business, it is important you understand tow truck insurance coverage basics including the specialized policies you need. Here are 3 types of insurance coverage important for towing service operators: On-Hook Coverage and Cargo Coverage While technically these are two different… Read more »

Carpet Cleaner Insurance Myths

| Business Insurance, General Liability Insurance, Workers Compensation Insurance.

Finding the right carpet cleaner insurance should not be a difficult process.  For 20 years, the team at Safeguard Insurance has worked with dozens of carpet cleaners small and large to provide affordable business insurance solutions. Our mission is to provide your business with the appropriate insurance coverage at the best possible price. To help… Read more »

Event Insurance Tips

| Business Insurance, Insurance education, Special Event Insurance.

The foundation of a successful special event is good planning. Part of that planning should include an event insurance policy to protect the organizer from injury and property damage claims. At Safeguard Insurance, we’ve been providing special event insurance for 20 years and have covered over 1500 events. Here are some helpful event insurance tips… Read more »

Handyman Insurance Myths

| Business Insurance, General Liability Insurance.

Finding the best insurance for your handyman business does not need to be a complicated and time-consuming process. At Safeguard Insurance we write all types of business insurance for handyman operations including general liability, workers compensation, and commercial auto. To make sure you find the right policy, here are some handyman insurance myths to consider… Read more »

EPL Protects Your Small Business

| Business Insurance, Employment Practices Liability, Insurance education.

Small business owners are not immune to employment related litigation. Employees that feel discriminated by an employer – whether factual or not – are free to file a complaint with the EEOC and seek other legal remedies including litigation. The cost to deal with complaints and litigation is staggering: defense and settlement costs of $75,000 per… Read more »

Spring Clean Your Insurance Policies

| Auto insurance, Business Insurance, Flood Insurance, Home Insurance, Personal Umbrella Insurance.

When was the last time you pulled our your insurance policies, dusted them off, and read cover to cover? If you are like most consumers the answer is probably never and that means it is time to spring clean your insurance policies. Insurance, whether for your personal or business needs, is never meant to be… Read more »

Property Insurance Cause of Loss Form

| Business Insurance, Commercial Property Insurance, Insurance Claims, Insurance education, Landlord Insurance, Uncategorized.

Attached to every commercial property insurance policy is a cause of loss form that determines which perils are covered and which are not. There are 3 forms in common use: basic form (CP1010), broad form (CP1020), and special form (CP1030). It is critical that a policyholder understands the property insurance cause of loss form attached to their policy… Read more »