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Did I put too much salt in the gravy? Will grandma ask me why I’m still not married? Will the Steelers beat the Ravens? These are valid Thanksgiving Day concerns and hopefully the biggest worries you’ll have this coming Thursday. Unfortunately, the holiday can bring up a cornucopia of other troubles, from cooking accidents and injuries, to home and car safety issues. Below, we’ve outlined a handful of steps you can take to make sure this is one of your…

All great businesses must start somewhere and, for many entrepreneurs, the “world headquarters” operates in the basement until the balance sheet grows. This was the case with a small publishing company that started as a personal passion in 2007 and quickly grew into a national magazine and reputable online resource. Like many small business owners, the founder didn’t realize that she needed insurance at first. Upon applying for a grant that required proof of insurance, she realized that she had…

Whether you are about to become a first-time homebuyer or have owned property for decades, the following 10 home insurance facts should help you get the right policy: 10 fun facts about home insurance While these home insurance facts may not all be fairly classified as “fun,” they are interesting and important. 1. Home insurance coverage varies Perhaps the best way to start any list of interesting insurance facts is to point out that home insurance policies can provide vastly…

Running a business comes with inherent risks: An employee could get injured on the job; a natural disaster could destroy property; or a client could file suit, alleging a contractual breach. For those and other reasons, it is important to protect your assets, both business and personal. One of the best ways to do that is to make sure you and your business are adequately insured. Here are ten top reasons why your business needs insurance. 1. It’s the Law…

Even more interesting than the origins of Miami’s neighborhoods are those of our individual cities. Many Miami-Dade cities were inspired by the real estate land boom of the 1920s, when soaring dreams met big wallets resulting in some crazy stories and well, some ideas that worked. We took a look at the origin stories of eight of Miami-Dade County’s cities. How Eight Miami-Dade Cities Got Their Names Miami Myami, Miamuh, Meeamee, however you like to pronounce it, the fact is that it’s home.…

1. Do I Need Liability Insurance for My Small Business? In some states, liability insurance is required by law for some industries. However, even if your state doesn’t require it, liability insurance is still important. This is because it’s a type of small business insurance that helps protect you from claims of: Property damage Bodily injury Personal or advertising injury 2. What Kind of Small Business Insurance Do I Need? Business Insurance Statistics hardware store man and woman Still asking…

Summer and road trips go hand in hand! Whether your family is planning to visit the theme parks in Orlando or you and your best pals are heading to The Keys for a weekend getaway, planning ahead can help ensure your trip will be one for the memory books – for all the right reasons! Don’t leave things to chance Before you pull out of the driveway in Miami, Florida, auto insurance, car maintenance, charging cables for all your devices…

Commercial property is real estate that is used for business activities. Commercial property usually refers to buildings that house businesses, but can also refer to land used to generate a profit, as well as large residential rental properties. The designation of a property as a commercial property has implications for how it is financed, how it is taxed, and how the laws are applied to it. Breaking Down Commercial Property Commercial property includes malls, grocery stores, offices, industrial estates, manufacturing…

Creating a profitable food business is a juggling act. You need to purchase fresh ingredients, create appetizing menu options, and know how to effectively market the business. But even if you have all the raw ingredients for success, it’s still possible for a single accident to force your business to close its doors for good. A key component of running a successful food business is preparing for the worst – from kitchen fires and food spoilage to allergic reactions and…

General Liability covers my employees if they are injured at work This is false. General Liability Insurance covers your businesses liability to third parties injured by the actions of your business. This goes for both property damage and bodily injuries. One thing a general liability policy does not cover is the injuries that occur to your employees. For these injuries you need a separate workers compensation insurance policy. Workers comp will cover your employees for medical care and some lost…