Saturday, 28 February 2015

Do You Need General Liability Insurance Coverage For Your Small Business in Edmonton?

Owning a small business comes with its fair share of challenges. As a business owner, it is your responsibility to ensure that your business in Edmonton is properly covered. Without adequate coverage, you simply risk losing too much.

Today we will be looking into one common type of insurance coverage -- namely, the general liability insurance policy. Would your small business benefit from this policy? Let's first take a look at what exactly this policy covers:

1. Property damage: This is property damage that you are legally liable for. It can include rented property and damage that has been caused by employees.

2. Bodily injuries. This includes injuries to people that you are legally liable for. Ever heard of a person suing a company after falling and injuring themselves on their property? Well it happens more often than you think.

3. Defense costs. If someone brings you to court, your defense (and settlement) costs will be taken care of by your insurance company.

4. Slander and libel claims. This is quite straightforward as well -- if someone is causing damage to your business by slandering it, then you can expect any claim to be covered under this policy.

Now to go back to the original question -- do you need general liability insurance coverage such as the one offered by Sharp Insurance for your small business in Edmonton? Once again, there is no one-size-fits-all answer to this question. It depends on many things, among them your company size and your budget.

We recommend discussing this with your insurance broker if you are unsure of whether or not you should go forward with this policy at this point.

Tuesday, 24 February 2015

How Can New Drivers in Calgary Avoid Being Labelled As High-Risk Drivers?

As we have said before, being a new driver is Calgary can be tough. Every driver out there has been labelled as a new driver at one point or another. There is nothing wrong with that -- even if you do find yourself paying higher monthly premiums at first.

Being labelled as a new driver is, however, different from being labelled as a high-risk driver. The latter is not something that you should ever aim for as it is used by insurance companies to label drivers who are seen as more liable and more prone to accidents than others.

In other words, this label describes the tailgaters, the ones who speed and the ones who run red lights. It describes the ones who often partake in dangerous driving habits.

Being a new driver means that you will be prone to partaking in some of these habits as well. However, it doesn't automatically make you a high-risk driver... unless you actively run red lights or tailgate people when you are late to work.

Exercising caution and common sense while driving is the best way for you to avoid being labelled as a high-risk driver and eventually having to pay higher premiums or having your license completely revoked. We simply cannot stress enough the importance of driving carefully. Driving is not a game, and seeing it this way has the potential to severely injure people or even kill people.

As a new driver in Calgary, the best thing for you to do is keep a clean driving record for the next two years or so and simultaneously earn your right to drive.

Saturday, 21 February 2015

Free Lethbridge Motorcycle Insurance Quote -- Should You Obtain One?

When it comes to insuring your motorcycle in Lethbridge, many things can go wrong along the way.

While it is illegal to hit the road without being covered by at least one type of insurance policy, there are so many policies available out there that it sometimes becomes difficult for you to sift between the ones that you need and the ones that you don't.

Before doing anything or agreeing to anything, we cannot recommend enough that you spend some time discussing this topic with your insurance broker. Insurance brokers are professionals -- they know exactly what someone like you need and doesn't need. They are hired to give you professional, unbiased advice so use said advice wisely.

We also recommend that you use wisely the free Lethbridge motorcycle insurance quotes that are offered to you by companies such as Sharp Insurance. You might think that free insurance quotes are unneeded, but you couldn't be farther from the truth.

Quotes give people an idea of what they can expect from a policy and an insurance company. While shopping around for the best and most affordable policy, quotes become your most important tools. The more quotes you request, you more knowledgeable you become about the different policies available in Lethbridge. It then becomes easier than ever for you to compare said policies.

Yes, it might take some time, but trust us -- it's worth it. At least it is if your wish is to purchase the best motorcycle policy available to you.

Thursday, 19 February 2015

What Exactly is Considered "High-Risk Driving" in Red Deer?

If there is a term that no driver wants to associate with, it's high-risk driving. After all, high-risk driving is often associated in turn with high insurance premiums. And nobody wants to pay high insurance premiums, right?

As a driver, informing yourself on what exactly constitutes high-risk driving in Red Deer and Alberta and knowing how to avoid being labelled as a high-risk driver is more important than ever. Not only can being prepared this way save you lots of money down the road (no pun intended) -- it can also save lives.

High-risk driving is, as the term entails, driving that is considered high risk. According to the ICBC, over 6,5000 injury and fatality crashes occur each year as a result of high-risk driving. The most common types of high-risk driving are as follow:

Failure to yield
Ignoring traffic control devices
Following too closely (tailgating)
Improper passing

At first, some of these habits might seem harmless, but they are far from being so. If you find yourself sometimes tailgating another car when you are running late to work or speeding on a deserted street, now might be the time to change those habits before they come back and bite you.

High-risk driving costs lives. Before it's too late, learn to drive responsibly.

If it's too late for you and you are already been labelled as a high-risk driver in Red Deer, then not all is lost for you. You might be interested in obtaining free Red Deer high risk driving quotes such as the one offered by Sharp Insurance if you wish to lower your insurance premiums.

Remember also that being labelled as a high risk driver is not a death sentence. Keep a clean driving record for two years and you should be able to rid yourself of this label. :-)

Saturday, 14 February 2015

Why Shopping Around for the Best Edmonton Home Insurance Policy is More Important Than Ever

As a home owner (either future or current), you are probably aware of the importance of covering your home under an Edmonton home insurance policy. 

If you aren't, then now might be the time to change your mind.

Unfortunately, you will soon find that MANY companies out there would be more than happy to provide you with insurance policies -- some of which you could do without. As a home owner, it is more important than ever for you to sift between the good and the bad. But how exactly do you do this?

The answer is easy -- you have to make use of the free Edmonton home insurance quotes that companies such as Sharp Insurance offer. If you have one, you should also consider discussing this topic with your insurance broker. The more time you spend researching the perfect home insurance policy, the happier you are bound to be in the end.

Remember this -- insurance policies were not created equally. They vary a lot. Some of them are cheaper than others, some of them are better than others, some of them offer more than others. At the end of the day, it is up to you to draw the line between what you need and what you don't need. This might sound like a lot of work, but once it is done you will not have to wonder whether you chose the right one or not.

So go ahead and keep shopping around for the best Edmonton home insurance policy -- you won't regret it any time soon.

Thursday, 12 February 2015

Should You Insure Your Small Calgary Business?

Owning a small business in Calgary can be tough. In between making sure that customers find you and offering the best products or services that you can potentially offer to them, you also have to manage the legal aspects of running a business. One of these aspects happen to be insurance policies.

As a small business owner, are you required to insure your company?

Legally, you are not required to insure your company in Calgary. But ideally, you wouldn't think twice about doing it. We live in a dangerous world. By now, this shouldn't come as a surprise to you. When people are not stealing from others, they are burning buildings and coming up with new ways to get away with frauds.

What would you do if your business was the target of such a fraud?

Because we live in such a dangerous world, as a business owner it is responsibility to ensure that your small business is properly insured. Without adequate coverage, you not only risk losing your company -- you also risk going bankrupt.

You will soon find that plenty of small business insurance policies are available to you. It doesn't matter whether you lease a building or work from home; it doesn't matter if you don't have employees working under you or whether you have 10 of them. Somewhere out there there are insurance policies that you absolutely need to purchase in order to secure your company's future.

We recommend talking with your insurance broker about those policies. Only then will you be able to truly sleep soundly at night.

Saturday, 7 February 2015

Red Deer New Driver Insurance Coverage -- What Can You Expect?

So you are a new driver.

As we have said before, being a new driver can be tough. Not only do you have to learn the do's and dont's of driving -- you also have to figure out important details such as what type of insurance coverage your car will need before you are able to hit the road with it.

It comes as no surprise that less experienced drivers pay more for said coverage than more experienced drivers. This is because insurance companies see new drivers as more prone to causing accidents, overall costing them more money in claims. Unfortunately for you, there is nothing that you can do to prevent insurance companies from charging you more on a monthly basis.

The good news, however, is that there are ways for you to save money on insurance coverage by lowering your monthly premiums. We have covered several of these tips in the past. If you are interested in learning more about how you can do this, we encourage you to spend some time reading our earlier blog posts. You can also look up those tips on Google if you prefer.

The other good news is that some insurance companies such as Sharp Insurance charge less than other companies. If you are currently residing in Red Deer, this is when a Red Deer new driver insurance policy comes into play.

You will find that many insurance companies offer free insurance quotes. Use those quotes to your advantage -- they will let you know what to expect from a policy. Remember that finding the cheapest policy available to you is very doable if you are not afraid of doing your research!

Tuesday, 3 February 2015

Free High Risk Driving Insurance Quotes in Fort McMurray -- Should You Get One?

So you have been labelled as a high-risk driver by your insurance company. While this might sound like terrible news to you, the truth is that it's not as bad as you make it out to be. Sure, it means that you now have to pay higher premiums than other people. But you know what the good news is? You're still alive. (Hopefully) nobody has been injured by your dangerous driving habits. And now you have plenty of time to get rid of the dangerous driving habits that have led to you being labelled as a high risk driver, be it speeding, tailgating or even running red lights.

You have about two years (assuming that you are able to keep a clean driving record during those two years) to relearn how to drive. Because that's right -- and that's the other good news -- you being labelled as a high risk driver won't last forever.

So it might sound like the end of the world right now, but it's really not that bad. It's even better when you find an insurance company that offers affordable, reliable Fort McMurray high risk driving insurance policies.

If you think that you are currently paying too much on your monthly premiums, then now might be the time to take a look at what other insurance companies are ready to offer you. For you and many others, this is when free Fort McMurray insurance quotes such as the one offered by Sharp Insurance come into play.

We encourage you to obtain as many free quotes as possible. There are also plenty of other ways for you to save money on your monthly premiums, but that's another story!