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  • Winter in Northern California looks like this. Where the sun shines most of the time and we think 55 degrees is cold. And on days like this, itโ€™s acceptable to walk barefoot in the sand. โ˜€๏ธ๐ŸŒŠ
  • Winter in Northern California looks like this. Where the sun shines most of the time and we think 55 degrees is cold. And on days like this, itโ€™s acceptable to walk barefoot in the sand. โ˜€๏ธ๐ŸŒŠ
  • 123 14 6 December, 2017
  • Today, I had an interesting conversation with a client... his partner did not think that having General Liability Insurance was a benefit to the business, but rather an unnecessary expense that could be avoided- since they have never had a claim, And the facility they promote their business at- never asked for proof of coverage.
Which leads me to answer this question:
.
Which businesses need general liability? .
The average โ€œpremises liabilityโ€ lawsuit costs around $54,000. Without General Liability insurance, your business would be required to pay damage claims out-of-pocket. .
Consider adding general ability to your small business insurance solution if your company has: โ€ข A warehouse, Office, storefront, or show room that customers, employees, or vendors visit
โ€ข Advertising or marketing content
โ€ข Possibility of damaging someone elseโ€™s property while working .
.
Which businesses need professional liability?
Consider adding professional liability to your business insurance policy if you offer advice, services or products. Clients or customers could make a claim against her business even if youโ€™ve done nothing wrong. And the costs can range from thousands to millions of dollars. Without professional liability insurance, your business could be on the hook for paying legal fees, settlement and damages costs out-of-pocket.
.
To protect your business for the potentially devastating costs of liability claims, you must first understand what liability risks it faces and then choose the right types of business insurance like to reliability insurance, professional liability insurance, or other types of insurance, to address those risks.
.
.
.
#insuranceBroker #surpluslines
#insurance #workWithABroker
#LatinaEntrepreneur #generalLiability
#Professional #professionalLiability 
#businessInsurance #workmensComp
#happy2help #homeinsurance #autoinsurance
#broker #Agent #realestate #home #beautiful
#Ambassador #Corona #Riverside #InlandEmpire
#creditstothehartford #managingrisk #selfie
  • Today, I had an interesting conversation with a client... his partner did not think that having General Liability Insurance was a benefit to the business, but rather an unnecessary expense that could be avoided- since they have never had a claim, And the facility they promote their business at- never asked for proof of coverage.
    Which leads me to answer this question:
    .
    Which businesses need general liability? .
    The average โ€œpremises liabilityโ€ lawsuit costs around $54,000. Without General Liability insurance, your business would be required to pay damage claims out-of-pocket. .
    Consider adding general ability to your small business insurance solution if your company has: โ€ข A warehouse, Office, storefront, or show room that customers, employees, or vendors visit
    โ€ข Advertising or marketing content
    โ€ข Possibility of damaging someone elseโ€™s property while working .
    .
    Which businesses need professional liability?
    Consider adding professional liability to your business insurance policy if you offer advice, services or products. Clients or customers could make a claim against her business even if youโ€™ve done nothing wrong. And the costs can range from thousands to millions of dollars. Without professional liability insurance, your business could be on the hook for paying legal fees, settlement and damages costs out-of-pocket.
    .
    To protect your business for the potentially devastating costs of liability claims, you must first understand what liability risks it faces and then choose the right types of business insurance like to reliability insurance, professional liability insurance, or other types of insurance, to address those risks.
    .
    .
    .
    #insuranceBroker #surpluslines
    #insurance #workWithABroker
    #LatinaEntrepreneur #generalLiability
    #Professional #professionalLiability
    #businessInsurance #workmensComp
    #happy2help #homeinsurance #autoinsurance
    #broker #Agent #realestate #home #beautiful
    #Ambassador #Corona #Riverside #InlandEmpire
    #creditstothehartford #managingrisk #selfie
  • 150 1 7 September, 2018
  • Happy Wednesday Yโ€™all! 
I will be answering insurance questions weekly on my posts... .
*Business * Work Comp * Professional Liability *
Home *Auto *Life *Boat *
Yesterday, a mortgage consultant asked me:
.
Do I need Business liability insurance if customers sign a waiver?
.
A waiver or release form is a contract design to shift liability away from the business with the consent of the customer. Waivers are meant to significantly alter the legal Landscape from the place where the business is responsible to a place where responsibility lies more with a customer. However in the event that a customer makes a liability claim, release forms may not always be enforced. If a business is found grossly negligent, the legal bodies overseeing the claim may ignore the waiver all together.
. 
That said, itโ€™s possible a waiver could help your business avoid some liability claims. However, consider seeking legal counsel first. Have a qualified attorney draft your waiver, and get guidance on how and when to have the customer sign the waiver.
. 
Still, waivers are not impervious and may leave your business vulnerable to liability claims. In the event that a customer does make a claim against your business and the waiver is not enforced, this is liability insurance can help cover the costs of the claim.
.
One of the most important ways successful businesses protect their assets itโ€™s by ensuring they can survive big hits. 
Large threats-such as data breach, or liability claim-have the potential to devastate your business in the blink of an eye. 
Make sure your business is protected at a minimum, you probably need general liability insurance, and if you sell goods and services you may need professional liability insurance as well.
.
. 
#insuranceBroker #surpluslines
#insurance #workWithABroker
#LatinaEntrepreneur #generalLiability
#Professional #professionalLiability 
#businessInsurance #workmensComp
#happy2help #homeinsurance #autoinsurance
#broker #Agent #realestate #home #beautiful
#Ambassador #Corona #Riverside #InlandEmpire
#creditstothehartford #managingrisk #protected
  • Happy Wednesday Yโ€™all!
    I will be answering insurance questions weekly on my posts... .
    *Business * Work Comp * Professional Liability *
    Home *Auto *Life *Boat *
    Yesterday, a mortgage consultant asked me:
    .
    Do I need Business liability insurance if customers sign a waiver?
    .
    A waiver or release form is a contract design to shift liability away from the business with the consent of the customer. Waivers are meant to significantly alter the legal Landscape from the place where the business is responsible to a place where responsibility lies more with a customer. However in the event that a customer makes a liability claim, release forms may not always be enforced. If a business is found grossly negligent, the legal bodies overseeing the claim may ignore the waiver all together.
    .
    That said, itโ€™s possible a waiver could help your business avoid some liability claims. However, consider seeking legal counsel first. Have a qualified attorney draft your waiver, and get guidance on how and when to have the customer sign the waiver.
    .
    Still, waivers are not impervious and may leave your business vulnerable to liability claims. In the event that a customer does make a claim against your business and the waiver is not enforced, this is liability insurance can help cover the costs of the claim.
    .
    One of the most important ways successful businesses protect their assets itโ€™s by ensuring they can survive big hits.
    Large threats-such as data breach, or liability claim-have the potential to devastate your business in the blink of an eye.
    Make sure your business is protected at a minimum, you probably need general liability insurance, and if you sell goods and services you may need professional liability insurance as well.
    .
    .
    #insuranceBroker #surpluslines
    #insurance #workWithABroker
    #LatinaEntrepreneur #generalLiability
    #Professional #professionalLiability
    #businessInsurance #workmensComp
    #happy2help #homeinsurance #autoinsurance
    #broker #Agent #realestate #home #beautiful
    #Ambassador #Corona #Riverside #InlandEmpire
    #creditstothehartford #managingrisk #protected
  • 128 1 12 September, 2018

Latest Instagram Posts

  • The cost of health insurance is the biggest challenge to the survival of a small business (NSBA, 2017).
  • The cost of health insurance is the biggest challenge to the survival of a small business (NSBA, 2017).
  • 2 1 13 hours ago
  • Proliability is in Orlando at the 2019 ANCC National Magnet Conference! If you're attending, visit us at booth 1313 to learn more about nursing liability insurance.
  • Proliability is in Orlando at the 2019 ANCC National Magnet Conference! If you're attending, visit us at booth 1313 to learn more about nursing liability insurance.
  • 2 1 10 October, 2019
  • Morstan teammates set the bar high by hitting goals, facing challenges head on, and diving into work with passion and drive. Today, we would like to Spotlight Chad Eskanazy for setting the standards high and always exceeding expectations. Chad started his career at Morstan in 2007 and has been instrumental in leading the march on placing medium to large sized professional liability accounts. He enjoys swimming, weight lifting, and snow skiing in his free time. Chad lives on Long Island with his wife Nicole and his two children. Shout out to Chad, we thank & appreciate everything you do!

Chad specializes in management & professional liability insurance, especially Home Health Aides, EPL Insurance, D&O Insurance, MPL Insurance, Real Estate Agents, Cyber Liability, Technology Professional Liability Insurance and A&E Professional Liability and so much more! #professionalliability #insurance #insurancebrokers #wholesaleinsurance #teammatetuesday
  • Morstan teammates set the bar high by hitting goals, facing challenges head on, and diving into work with passion and drive. Today, we would like to Spotlight Chad Eskanazy for setting the standards high and always exceeding expectations. Chad started his career at Morstan in 2007 and has been instrumental in leading the march on placing medium to large sized professional liability accounts. He enjoys swimming, weight lifting, and snow skiing in his free time. Chad lives on Long Island with his wife Nicole and his two children. Shout out to Chad, we thank & appreciate everything you do!

    Chad specializes in management & professional liability insurance, especially Home Health Aides, EPL Insurance, D&O Insurance, MPL Insurance, Real Estate Agents, Cyber Liability, Technology Professional Liability Insurance and A&E Professional Liability and so much more! #professionalliability #insurance #insurancebrokers #wholesaleinsurance #teammatetuesday
  • 29 2 8 October, 2019
  • Let me help you find coverage for your restaurants, bars and retail stores! ๐Ÿฝ๐Ÿป๐Ÿฅ‚๐Ÿฑ๐ŸŒฎ๐Ÿ”๐Ÿฅ๐Ÿง๐Ÿฆ๐Ÿฉ๐Ÿช๐Ÿ‘”๐Ÿ‘—๐Ÿ‘•๐Ÿ‘š๐Ÿ‘ข๐Ÿ‘™๐Ÿ‘ ๐Ÿฅพ๐Ÿ‘ž๐Ÿงฃ๐Ÿ‘œ๐ŸŽ’๐Ÿ•ถ
  • Let me help you find coverage for your restaurants, bars and retail stores! ๐Ÿฝ๐Ÿป๐Ÿฅ‚๐Ÿฑ๐ŸŒฎ๐Ÿ”๐Ÿฅ๐Ÿง๐Ÿฆ๐Ÿฉ๐Ÿช๐Ÿ‘”๐Ÿ‘—๐Ÿ‘•๐Ÿ‘š๐Ÿ‘ข๐Ÿ‘™๐Ÿ‘ ๐Ÿฅพ๐Ÿ‘ž๐Ÿงฃ๐Ÿ‘œ๐ŸŽ’๐Ÿ•ถ
  • 17 1 1 October, 2019
  • Nurses treat patients from a multitude of cultures, which means understanding cultural sensitivity is paramount in developing healthy nurse-patient relationships. What are your tips to help your patients feel accepted and heard?
  • Nurses treat patients from a multitude of cultures, which means understanding cultural sensitivity is paramount in developing healthy nurse-patient relationships. What are your tips to help your patients feel accepted and heard?
  • 1 1 27 September, 2019
  • A nurse with 44 years experience has the ability to miss two times a, the next nurse put in the wrong gauge needle, fourth time correct gauge was inserted, if you need professional liability, let us know! #commercialinsurance #malpractice #professionalliability
  • A nurse with 44 years experience has the ability to miss two times a, the next nurse put in the wrong gauge needle, fourth time correct gauge was inserted, if you need professional liability, let us know! #commercialinsurance #malpractice #professionalliability
  • 2 0 27 September, 2019
  • Fact: Proliability provides affordable coverage for each profession we protect.
  • Fact: Proliability provides affordable coverage for each profession we protect.
  • 2 1 26 September, 2019
  • What happens if a client thinks you or your third party did not deliver on a promise? That opens you up to professional liability. Watch our video for tips on how to limit your exposure. ow.ly/hcdh101Kmil #insurance #professionalliability
  • What happens if a client thinks you or your third party did not deliver on a promise? That opens you up to professional liability. Watch our video for tips on how to limit your exposure. ow.ly/hcdh101Kmil #insurance #professionalliability
  • 0 0 26 September, 2019
  • Own a business! Need commercial auto insurance, general liability, workers comp or other coverage? We can help give your business the coverage you need.
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Insurance for all your needs
Best rate for the best coverage!
Get an instant, online quote now!
๐Ÿ“ฒ Link in bio
Hablamos Espaรฑol
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  • Own a business! Need commercial auto insurance, general liability, workers comp or other coverage? We can help give your business the coverage you need.
    โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”
    Insurance for all your needs
    Best rate for the best coverage!
    Get an instant, online quote now!
    ๐Ÿ“ฒ Link in bio
    Hablamos Espaรฑol
    โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”โ€”
  • 24 2 23 September, 2019
  • YAY Boston!  I forgot how much I love this city!  So excited to be here at the PLAN conference and to be working alongside such amazing people. I can't wait to dive in!
  • YAY Boston! I forgot how much I love this city! So excited to be here at the PLAN conference and to be working alongside such amazing people. I can't wait to dive in!
  • 9 1 18 September, 2019
  • and have inadequate coverage. Call me today for a check up. ๐Ÿ‘จ๐Ÿปโ€โš•๏ธ
  • and have inadequate coverage. Call me today for a check up. ๐Ÿ‘จ๐Ÿปโ€โš•๏ธ
  • 21 2 17 September, 2019
  • Change order disputes like requests for additional services that add #laborcosts or design changes that add material costs are just part of doing business in #construction. Here are 5 ways to keep them from derailing your project. ow.ly/h6Bx101IUds  #professionalliability
  • Change order disputes like requests for additional services that add #laborcosts or design changes that add material costs are just part of doing business in #construction . Here are 5 ways to keep them from derailing your project. ow.ly/h6Bx101IUds #professionalliability
  • 1 0 12 September, 2019
  • When your client says they need to switch the auto on their policy because of the baby ๐Ÿš— ๐Ÿคฃ
  • When your client says they need to switch the auto on their policy because of the baby ๐Ÿš— ๐Ÿคฃ
  • 63 2 10 September, 2019
  • If you've been involved in a malpractice claim, you know how liability insurance can help. If you don't have professional liability insurance, get a quote today to secure coverage! Link in bio.
  • If you've been involved in a malpractice claim, you know how liability insurance can help. If you don't have professional liability insurance, get a quote today to secure coverage! Link in bio.
  • 1 1 9 September, 2019