Must Know Garage Liability Insurance Information

Are you familiar with garage liability insurance? Depending on the type of business that you’re involved with, than you already may have come across it before. If not, then you may be surprised to learn that there’s more to it than meets the eye. In this guide, we’ll take a look at this form of commercial insurance, who needs it, and how and why it’s a necessity.

One of the first points to consider is that this is a more widespread or common form of insurance than you may imagine. There are many different types of businesses and industries where this is either required or recommended.

This begins with automobile dealerships. Auto dealers are required to carry numerous forms of commercial insurance, such as dealer bonds, as well as garage liability. With the latter, business owners are essentially covered in the combined areas of general liability and automotive insurance. In other words, they’re protected against bodily injury and property damage as a result of a vehicle accident.

Beyond the world of automobile dealerships, as we mentioned, there are also many other businesses which are served by garage liability coverage. This list includes essentially any type of business where a customer’s or client’s car may be left on-site, and either moved or serviced by the business. In practice, this list includes everything from valet services and parking garages to quick lube and tire change facilities, auto repair and body shops, car washes, and so forth.

What this does not cover is what’s separately known as “garagekeepers” insurance. This portion of the puzzle is what protects your business against any actual damage to the vehicle itself. You don’t want to fall into the trap of believing that you are already protected against this only to find out at the worst time that you’re actually not covered. It’s any business owner’s nightmare.

Another important note to remember is that the specific requirements for garage liability will vary from state to state. In a state such as Florida, different automobile dealer licenses have different minimum coverage levels, for instance. In depends on the type of license you’re carrying, and this type of stipulation is common in other states across the country as well.

Of course, it’s always essential to work with an experienced, licensed insurance professional in your state or local area. He or she will be familiar with the local regulations and requirements, and should be able to help you smoothly navigate the matter while finding the right deal and the right policy.

John Rothschild is the owner of ACI Insurance Services, a leading provider of Florida garage liability insurance for more than 12 years. ACI is known for their customer service, their extensive experience and knowledge of the industry, and their affordable rates, and they’ll do everything they can to meet the needs of their clients.

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Beneficial Choices Commercial Insurance Clovis Gives an Individual

Commercial insurance is important for business entrepreneurs irrespective of the size of their business. Apart from comprehensiveness, the Commercial Insurance Clovis gives must also have enough flexibility. You can have an overwhelming number of options when you consider insurance for your business. Before starting a business, the entrepreneur writes a business plan. The policy is to help protect the business owner from unseen, unwanted events such as theft, fire, property damage, and employee injuries.

Different Options of Commercial

When one buys insurance, everyone expects the best protection with competitive pricing. The Commercial Insurance Clovis gives covers all these:

● Professional liability.

● Worker compensation.

● Commercial property.

● Business insurance.

● Commercial auto liability.

● Commercial umbrella.

● Product liability insurance.

A company might not need all the insurances listed above. One can check the features of each and select the insurance that suits their need.

Professional Liability

The most important Commercial Insurance Clovis gives is liability insurance. This protects your company when it causes damage to another individual or company. This protection also includes defective products and the damage to a person on your business premises. You remain protected from property damages and personal injury. A lawsuit against your company can lead to bankruptcy but the liability insurance will protect you from that.

Worker Compensation

The employees in the company need protection under state law. This is to provide compensation if they get injured while working for the company. But, there is a stipulation that this is applicable only if you have a specific number of employees.

Commercial Property

Your bank will ask for this type of insurance when they hold your mortgage. Also, if you have rented commercial space from your landlord, then he might ask for this kind of insurance. The commercial property insurance protects the owner from damages to the property such as fire damage, weather damage, and theft.

Business Insurance

This covers various aspects of the business and depends on the size of the business. When you have a warehouse containing inflammable material, you must consider the insurance that covers fire damage. A Business Owners Policy (BOP) helps a business with more than 100 employees.

If your company uses vehicles, you might consider including commercial vehicles also. When many customers visit your business premises, liability insurance is also a must.

Commercial Auto Liability

This Commercial Insurance Clovis covers the business that uses commercial vehicles. The insurance protects you from any kind of damage the vehicle suffers, accidents, fire, and theft. You can also have an extended cover for covering delays in transporting passengers and goods.

Commercial Umbrella

This is also called the Excess Liability. If you work for a vendor, they might need this insurance from you. You might have insurance policy cover for many things but at times this might not be enough. In this case, the Commercial Umbrella insurance will cover it for you.

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How to Protect Your Business From a Cyber Attack

What is your chief worry when it comes to business?

Ask any business owner and it is VERY likely that you will get the same response: cyber attacks!

Cyber attacks consistently remain the primary concern of most company owners.
And there is good reason for that.

Contemporary research concluded that in 2018 there were triple the amount of medical industry computer data breaches in the medical industry than the previous year, with more than 15 million medical records exposed!

An independent 2019 inquiry led researchers to these findings: there were 1,200-plus data breaches leaving 440 million personal data exposed!

But of all the studies, this conclusion resonates loudest among the average business owner. Fifty-eight percent of the total amount of 2018 cyber attacks were aimed at small business corporations. Swallow that statistic along with another one: data breach recovery expenses averaged about $385,000. all Perhaps most noteworthy is the same year’s Data Breach Investigations Report conducted by Verizon: 58 percent of all cyber attacks were directed towards small business, with recovery costs at an average of close to $385,000.

What can a company – large, small or medium-sized – do to shield itself from becoming the target of a cyber attack? Aside from technical and learned safety tactics, a related insurance policy can be the catalyst of assistance to climb out of the mess created by hackers – with the coverage paying for associated losses.
Here are just a couple of associated claims examples that prove the point.

Two Data Breach Insurance Claim Scenarios

Ransomware Coverage

An employee working in one of the departments of a global agency accidentally opened an email that exposed the business computer system to a virus, possibly impacting up to six hundred and sixty servers all around the world.
The agency chartered a global IT forensics enterprise to deal with the misfortune. This included getting the ransom amount that the hacker demanded, negotiating with the criminals and completing a forensic investigation.

After the IT forensics team got the hackers to go down from the first ransom demand of $540,0000 to $450,000, insurance coverage stepped in, paying the ransom, allowing the decrypting to move forward.

Negligence Coverage:
A patient was livid when she discovered a nurse employed at the doctor’s practice where she had been treated exposed her medical records. She accused the nurse of passing on her private medical records as well as her personal data to other people. Adding insult to injury, said the patient, was that the nurse altered the records to include false information meant to humiliate her.
The doctor’s office issued a statement that there is a standing policy of not allowing access and disclosure of patient information. Nonetheless, the nurse had crossed the lines of professional creed set down by the medical practice.
The matter was resolved by a 5 digit out-of-court settlement which the insurance company covered.

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Brief Discussion on the Fundamentals of Digital Marketing

With the introduction of computers and the internet, companies prefer to do sales and marketing in a non-traditional way. Instead of relying on door-to-door sales and marketing, modern businesses prefer to maintain corporate portals where they highlight the products or services meant for marketing and sales. Modern business houses prefer digital marketing to sell products or services as this method of sales and marketing is considered effective yet less laborious. This blog highlights the fundamentals of digital marketing. It also discusses SEO and its role in web marketing.

Digital Marketing and Search Engine Optimisation

SEO is also known as search engine optimization and it is very important as far as web marketing is concerned. Companies hire the expertise of professional web marketers to sell their products and services. The expert digital marketer uses their skills, strategies to market, and sells products or services. The professionals in the field of digital marketing use SEO to enhance the visibility of client resources like websites, webpages. More visibility of client online resources implies that the business seeking SEO services attracts more web traffic, hence there exist greater chances of lead generation, conversion of leads to sales. If a business manages to convert leads to sales then it implies that it generates business profits.

Benefits of SEO

Following are the benefits of using SEO as part of web-marketing:-

SEO helps a business to enhance its ranking in the various search engine research pages
It helps to attract more and more quality online traffic
It helps to generate leads
Convert leads to sales
SEO contributes to business profitability
Search engine optimization also contributes to branding

Types of SEO

SEO or search engine optimization is of two types and they are as follows:-

On-Page SEO
Off-Page SEO

What is On-Page SEO?

At first, it is important to say that when web marketers do SEO then they deal with client websites or other web resources. On-page SEO is the type of SEO that is done on the website of the client. It deals with keyword research and analysis. In On-page SEO, digital marketing experts require to have skills in writing and posting content for the client website. Such contents include the Title, meta description, body of the content. On-page SEO is associated with using keywords in the website contents. The expert search engine optimizer should make sure that the keywords are well-researched, they are not that competitive but have high online search values. Moreover, the keywords that need to be used in the content should be relevant. For keywords it is important to mention that there are broadly two types of keywords 1) Short-tail keywords 2) Long-tail keywords. Short-tail keywords are more competitive than long-tail keywords and hence the chances of converting leads to sales are low with short-tail keywords. It is always advised to use long-tail keywords in website content while doing on-page SEO. Besides, on-page digital marketing also involves search engine indexing so that a website or a link has higher visibility in the search engine results pages.

Off-page SEO

Off-page SEO also deals with search engine optimization activities that are outside a website. Off-page search engine optimization deals with link-building. Proper link-building of a website can enhance the DA (Domain Authority), PA (Page Authority), PR (Page Rank) of the website. It implies greater exposure of the client business, more lead-generations, and conversions. For more information on Off-page web marketing visit relevant websites available online.

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Understanding The Significance of Content Writing in SEO

SEO or search engine optimization is very important for the growth of a business. Web marketers or SEO specialists who are responsible for doing the search engine optimization of client websites require adopting SEO strategies to enhance the visibility of the website in the various search engine results pages. The website visibility depends on how well the SEO expert conducts on-page as well as off-page optimization of the client website. In the context of on-page or off-page search engine optimization, it is important to understand that the emphasis is always on the website contents. It is important that the content for on-page as well as off-page search engine optimization is well written with proper distribution of keywords, anchor text. The objective is to attract more and more web traffic to a business. From this angle the significance of content writing and content writers is high when it comes to search engine optimization.

Tips on Writing SEO Contents

This blog discusses how you should write content while doing on-page or off-page SEO activities.

On-Page Content Writing

if you are focussing on on-page activities then you know that you have to write high-quality content for your website pages. The objective is to attract more and more traffic to your business. Understand that greater traffic implies higher lead-generation and subsequently greater conversion of leads to sales. While writing on-page content like the content for a website’s about-us page, you require to be very specific about your business, you require to highlight your business objective. While writing the content you can use anchor text as and where required. The links that you use need to be relevant. There should not be an overuse of keywords. The keyword distribution should not exceed 1%-3% in the entire content. If you follow these rules then you discover that your website content is presentable and attracts more and more online traffic.

Off-page Content Writing

Off-page search engine optimization means link building. Link building in SEO is very important as it helps to enhance the page rank of a website, it helps to enhance the DA or domain authority value, the PA or page authority value of a website. During the process of link building, the web marketers require to post content along with relevant links in a number of blog sites, article sites, forum sites, question answers site, press release sites. To create the content the web marketers require the participation of content writers. To do off-page content writing the web marketers require to follow some rules. They require to write content on the topic, include keywords that are relevant to the topic. The content writers require to use anchor texts linking relevant websites or web resources. In this context, it is relevant to add that the content writers can do keyword research to find out the keywords to be used for the content, or else the list of keywords will be furnished by the client. There should not be an overuse of the keywords. The entire content should have a keyword density in the range of 1% to 3% only.

This blog highlights the fact that content writing is immensely important for both on-page as well as off-page SEO. Therefore, the next time you wish to do SEO of your client’s website then be sure to hire the quality services of a professional content writer.

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Strengthening and Enforcing Our Profession

In order to be an effective project manager (PM), we should look at our definition of project management. Definitions surprisingly vary greatly by organization and individual. We should be careful about calling something project management that really is not. Doing so often confuses the profession. Call it what it is. If a position is more administrative, add this label. If a position is more holistic with overall responsibility and leadership for the success of the project, I’d be more inclined to call it project management. Well defined roles are not only essential for the organization and individual, but for the profession at large.

If someone is used to providing project leadership and overall project responsibility under a PM title, certain expectations are set. If the next opportunity doesn’t provide the same opportunities and expectations both the organization and individual may experience issues. Likewise if someone is in a lower level position where they simply schedule meetings and follow-up on action items, this individual may develop an inappropriate perception of project management. Remember, a true PM is responsible for all aspects of the project, including management of scope, time, cost, quality, procurement, human resources, communication, risk management, stakeholder management, and integration. I’d even take this list a step further and involve the PM in scope discussions during business development. It’s never too early to involve the person responsible for high stakes efforts.

Other pet peeves of mine are a lack of analysis and a lack of communication skills. Project management isn’t about producing reports or documents, but managing to ensure project success. Project data is necessary to ensure success, but without analysis and interpretation it is strictly administrative data. I’m also often amazed at the lack of communication in project management. Strong PMs spend eighty to ninety percent of their time communicating. This doesn’t mean just forwarding emails, but providing impact analysis and recommendations. And my final pet peeve (for this posting!) centers on improperly handling situations by escalating all items or informing all parties of all developments. This goes along with communication. Determine your stakeholders and how you will interact with those stakeholders. It may be easier to copy everyone involved, but it’s not about what is easy.

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Ways to Create a Powerful Website Design

For businesses to grow and be successful they need a website since this is among the most effective tools to realize their goal. This is also the way to draw potential customers to the products and/or services they offer. In addition, this has a wider reach compared to other marketing methods without their high startup costs. Businesses can consider the following tips to create a powerful web design.

Take Advantage of Visual Hierarchy

The term visual hierarchy refers to the arrangement of website elements like the color, font size, white space and position to put emphasis on the primary point for every page. In order to complement a call to action (CTA), it is important to direct the eyes of visitors to something they want done by means of these visual factors.

To highlight their landing page’s central theme, they can do the following:

Make the font size larger.
Place the text at the top part of the window.
Choose a contrasting color since this stands out from the rest of the page.
Include a captivating graphic or video making use of the latest innovative web design trends.
Use white space so it will stick out from other text.

Use Minimalism

Businesses should use and integrate the above mentioned elements on the website but they have to keep in mind that this should be done in moderation. If this is overdone, this will cause cluttering, which will make customers confused or even worse, discouraged.

Also, they should not let visitors complete many tasks. They should minimize form fields as well as menu items and only focus on one CTA that has one goal per page.

According to a Google study, users do not like visual complexity. There are ways to simplify a site such as:

Eliminate the Sidebar – rather than have readers click on information on the sidebar, the process can be made easier by taking away this element and just create a very long page. In this way, they will be able to scroll through the content and scan everything, raising the possibility that the message of the brand will be conveyed.

Go for Familiar Layouts – while they may think that an unusual site design will set their domain apart from the rest of the competition, visitors are actually attracted to simple layouts with easy to understand icons and effects. Also, using a regular web structure can improve navigation on their site.

Prioritize Readability

Businesses should consider readability to make it easy for users to recognize and comprehend the text on their site. Prioritizing this factor will make sure that users will not have a difficult time in scanning their site and will remember the information they want to be retained. They should use the most ideal typeface, font size and contrasting colors for their brand.

Conclusion

Websites are important since these provide prospects with information on the business, which includes the office address, email address and phone numbers.

In addition, websites enable businesses to build and establish credibility in their niche of choice by being a source they can trust and rely on. The best SEO strategies and relevant content will help establish their authority in their industry making use of their domain and most especially, a powerful website.

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Data Science And The Advantages It Offers

Data Science has turned out to be a progressive technological field that everybody seems to talk about these days. In fact, it is considered the ‘most appealing job of the 21st century’. Let’s find out more about it.

Data Science is a buzzword and not a lot of people understand it. While many human beings desire to emerge as data scientists, it is indispensable to check out the advantages of this field. Let’s check out some of the advantages.

1. It’s in high Demand

Data Science is in high demand. Prospective job seekers have several opportunities to avail of. It is the quickest developing field of job on LinkedIn and is envisioned to create 11.5 million jobs by the end of 2026. This makes Data Science a pretty employable job sector.

2. Abundance of Positions:

There are very few human beings who have the required skill-set to become a good data scientist. Therefore, this field of job is less saturated than other IT sectors. Therefore, this offers a lot of opportunities. The subject is high in demand but there are not many professionals out there who can meet the demand.

3. A Highly Paid Career option

Science has created a lot of highly paid jobs. According to Glassdoor, Data Scientists make more than of $116,100 per year. This makes data science one of the best moneymaking professions out there.

4. Versatile

There are several purposes of data science. For instance, It is extensively used in health-care, banking, consultancy services, and e-commerce industries. So, this field is a very versatile. Therefore, you will have the chance to work in a number of fields.

5. Data analysis

Data analysis companies require experts to analyze their data. They not only analyze the data but also enhance the quality of it. Therefore, this offers a lot of benefits for companies that are looking for an ideal way of getting their data analyzed.

6. Data Scientists are Highly Prestigious

Data Scientists allow different types of groups to make smarter business decisions. Companies rely on these professionals and use their understanding to grant much better services for their clients. So, these people play one of the most important roles in the company.

7. No More Boring Tasks

This has helped a number of industries to automate different types of redundant tasks. Companies make use of historic information in order to train machines to perform repetitive tasks. This has simplified a lot of hard jobs undertaken by real people before.

8. Data Science Makes Products Smarter

This field involves the use of Machine Learning that has enabled industries to create higher quality merchandise that are customized for each consumer.

For example, Recommendation Systems use on e-commerce web sites provide customized insights into the likes and dislikes of customers primarily based on their historic purchases. This has enabled computer systems to apprehend human-behavior and make data-driven decisions.

9. It can Save Lives

The Healthcare sector has been substantially uplifted due to of the advent of data science. With the introduction of computer learning, it has been made much easier to become aware of early-stage tumors. Also, many different health-care industries use these systems in order to assist their clients.

10. Data Science Can Make You A Better Person

This will not just provide you with a good profession but will also help you develop your personality. You will be able to enjoy a problem-solving attitude. Since many of these roles bridge IT and Management together, you will be capable to get the most of both the worlds.

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