- you have signed a personal guarantee for a loan
- personally you have injured someone
- you have acted in an irresponsible or illegal manner
- you do not operate your business as a separate entity
Pets to many are just like family members, at least that is he way it is in our house. When we travel on road trips or to the beach, we like to take our dog with us. As you would want to keep any of your family members safe while traveling, also consider your pet.
Prepare yourself and your pet before the trip.
If your pet is only accustomed to traveling in the family car except for the trip to the veterinarian, you may want to start out with introducing them with small rides perhaps to a dog park, beach or area they can get out, have fun and know that every time they get in the car, it is not to the vets office.
If you are planning an over night trip or even longer and plan to stay at a hotel, call ahead of time to be sure the hotels in the area’s you plan to stay will accept pets and even if they charge more will be good to know.
On the Road
Plan to break up your trip by heading toward Rest Stops that offer bathrooms, food and a place to stretch your and your pets legs. It will renew your energy and your certainly do not want to be fatigue to set in. Be sure you have a water dish and possibly bottled water for them too. There are also those times when someone asks for a bathroom break not on the schedule, remember your pet may not be able to help a bathroom break in the car.
Talk to your veterinarian for advice on planning your pets mealtime and bathroom break schedule.
Your Pets Safety While in the Car
Just like you would with a baby or toddler, consider a car seat or carrier for your pet. This will help to protect them in case of an accident and also minimize any distractions for the driver which could lead to an accident and make your auto insurance increase.
Never, Never leave your pet in the Car Alone
How many times have you seen on the news about children and pets left in a car with the windows up and the outcome has been detrimental. Your car can heat up to 120 degrees in just minutes according the the Humane Society on warm days. In Florida during the summer, every day is hot!
Make sure you take your pet with you or have someone stay with them if you have to run into a store, bathroom etc, even for just a few minutes.
Being prepared ahead of time will help you and everyone with you have a more easy and enjoyable trip, even for your pet.
Before you hitch up that camper or get the behind the wheel of your new RV (Recreational Vehicle), check your auto insurance policy or this vacation may cost you more then you bargained for.
Some insurance companies will allow you to insure your camper on your auto policy and others may require you to get a recreational vehicle policy. The coverage you are looking for is liability. If you have this included with your auto insurance coverage more than likely the liability will extend to to towing the camper as long as its hitched up to your vehicle.
If you want liability coverage while the camper is unhitched such as at a campground or in storage you may want to check your homeowners or renters policy to see what extension on the coverage you have.
Extra coverage for an RV or Camper is always available if your other two options do not have the coverage you need. You can also purchase comprehensive and collision coverage just like you have with your vehicle and get a separate deductible. Specific questions about your camper or RV would be, what it is made of aluminum, fiberglass etc, the size and length of the vehicle and if its a pull behind.
Contacting your insurance company before purchasing the RV or Camper you are considering is highly recommended to find out just exactly what type of insurance policy you will need. When you purchase, add that policy right away, especially if you are not an experienced driver. Contact us today with any questions, glad to help.
Whether you are driving or a passenger on a motorcycle, there is something very special about hitting the open road on a beautiful day and taking in the sights and much more enjoyable to know that you are protected in case of an accident or theft.
In the state of Florida, Florida’s No-Fault or PIP law for insurance does not apply for motorcycles.
You must have insurance though to drive a motorcycle, but what type is required?
Property damage and bodily injury liability insurance is required and if your decision is to not want to wear a helmet, you must carry a minimum of $10,000 in medical insurance.
Without motorcycle insurance, you risk penalties such as,
Loss of License
Loss of Tag/Registration
Restitution for any damages you may cause in an accident
Three years of high risk SR22 mandatory liability insurance coverage
Not only are we talking high risk, we are also talking higher amounts of money coming out of your pocket.
Your Medical expenses
Damage to your motorcycle
Loss of income due to injury
when all this could be avoided.
Lets face it, you are taking a risk every time you get on a motorcycle. When an accident occurs, what is said from the other party’s involved in many causes is “I did not see them”, where did that motorcycle come from”? Rule of thumb. If you are driving a motorcycle, you need be on the lookout, don’t expect the other people on the road to look out for you.
In effect as of July 1, 2008 all first-time motorcycle license applicants must complete a Basic Riders Course to obtain their motorcycle endorsement.
Knowledge of your motorcycle, safety, and the rules of surviving on a motorcycle give you that much more of an edge. Bundle that with Insurance for protection in case anything happens and you can be riding with more comfort.
As much as people concentrate on the injuries, there is another form of insurance to consider when owning a motorcycle.
One of the biggest rackets out there is stealing motorcycles to strip them down and sell the parts.
Protect your investment and make you motorcycle less appealing to be stolen.
Lock it Up!
There are a large range of ways to lock up your ride.
Ground Anchors and Wheel Clamps
Just as when you were a kid with your bicycle, there are some of the same rules that apply with your motorcycle.
Always keep the ignition locked.
Lock up your ride with another motorcycle
Don’t take your eyes off your motorcycle, when traveling, riding around town, or at a friends house.
Always park your ride where you can see it.
Drive Safely and have fun!
Have Questions? Call us today to get your questions answered.
1-863-453-3903 (Call about our discount on motorcycle insurance for attending a riders course and more!)
or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.
We find insurance that meets every budget!
Ashley Bishop Owner/Agent
Budget Bi Rite Insurance, Inc
Serving All of Florida
Structure Protection – Covers the cost to replace or repair your mobile home when they’ve been damaged or destroyed by fire, wind, explosion and other elements such as storms. Check with your agent if Hurricane coverage is included or if you have to pay extra. Flood coverage is not included.
Personal Property Protection – Covers the cost to replace your personal property – clothing, furniture, tools, electronics, etc. when they are damaged or stolen. The same applies here for hurricanes and floods.
Additional Living Expenses – Covers additional living expenses when your mobile home is being repaired or is too damaged to reside in. This includes hotel bills, food, etc.
Liability Protection – Covers injuries to visitors, including medical bills and legal fees.
Don’t wait until the last minute to purchase Mobile Home Insurance. You will not be able to purchase any type of homeowners insurance, including Manufactured or Mobile Home Insurance when a tropical storm or hurricane is announced to hit Florida. Please check with Budget Bi Rite to learn more about these strict rules. It’s always better to be safe than sorry. There’s nothing like having to start from scratch when you’ve been through a tragic event like a hurricane and your home has been destroyed.
Photo Courtesy of Pixabay.com
Small business owners often do all they can to cut costs while providing the best service possible for their customers. If someone perceives that your business is at fault for an injury or damage of some kind, you may find yourself involved in a lawsuit. Your time and money go into your business, it simple – protect your investment.
Types Of Businesses
A high number of the businesses in United States are run as partnerships or sole proprietorship. For almost all of these small businesses, these kinds of ownership may put the business and individual at a risk. Having the correct type of Business Insurance can protect your business and you from financial disaster.
It’s often mistaken that a limited liability company (LLC) or an incorporated company is a business owner who is protected from personal liability and Business Insurance is not necessary.
You can be personally liable if:
What Business Insurance Covers
Business Insurance is known as General Liability Business Insurance. Business coverage includes personal injury where a person is hurt due to the negligence of our business, due to an item your business has sold or by one of your employees. Property Damage includes claims from customers as well as damage to your own property due to a storm, break in, etc. Lawsuits are also covered and include advertising claims and slander on your business’ behalf. Covering your employees for injuries while on the job and death are also included.
Your home business is not covered under your homeowners policy. Don’t make this mistake! Consider purchasing Business Insurance.
Amount of Coverage
When you purchase your General Liability Business Insurance you must consider the risks of your business and the amount that your state caps on lawsuits against small businesses. If you remodel homes your business is at a higher risk of lawsuits, property damage and injuries than if you make and sell crafts. Your business risks will determine the amount of coverage you need to purchase as well as Florida’s caps on your type of business. Budget Bi Rite can assist you with these types of decisions.
What To Do If Facing A Claim
If you have been sued, if a worker has been injured, if your property has been damaged, contact your Business Insurance company immediately. Save all of the information you receive, take photos, get witness contact information, and follow through with your insurance company. Be sure to document everything. This can be a worrisome time, but knowing that you have Business Insurance will make this go a lot smoother.
Have Questions?Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com