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What type of insurance do you need?
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Florida homeowners insurance policy. Your home insurance will pay for repairs to your home and your belongings, pay for someone else's injuries on your property when it's your fault, and may pay for temporary living expenses if your home is damages.
The good news is Ohio drivers pay much less than most other drivers around the nation. Your own coverage will fluctuate from average rates, but considering there aren't too many big risks in The Buckeye State, you should easily find an affordable car insurance policy.
On average, Americans pay $1,311 per year for their auto insurance, while Ohio drivers pay on average about $843 per year. But keep in mind that your auto insurance will be completely personalized and can be higher or lower than this.
Ohio requires all businesses, regardless of the number of employees, to carry a workers' compensation policy. Workmans' compensation pays benefits to employees who are hurt on the job. It’s not just designed for sudden falls and accidents, it also covers injuries that develop over a long period due to the nature of the work or even workplace conditions. These policies cover medical bills and lost wages. Ohio’s workers' compensation program is a no-fault system, which means that regardless of who is at fault, employees are guaranteed benefits if they are hurt or injured on the job, and employers are exempt from expensive employee lawsuits for pain and suffering.
There are 3 basic types of insurance you need for your Ohio restaurant. Those 3 types of insurance are: property, liability and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on your restaurant type and the services you offer. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add on policy for restaurants.
There are a variety of different commercial vehicles on Ohio’s roads at any given time. These can range from cars, such as those used for local deliveries, to large 18-wheeler trucks that transport goods across the country. Different types of vehicles have different insurance requirements mandated by the state. For example, vehicles used to transport passengers will have high liability coverage requirements, because an accident can lead to multiple injury claims. Commercial trucks that carry hazardous materials will need higher liability coverage than those that do not, and any 18-wheeler truck that is used for interstate conveyance will need to meet federal and state insurance requirements.
Last year, small businesses in Ohio made $329.6 billion. Ohio businesses are booming, and the small business scene is only getting bigger. But if your small business experiences an unexpected lawsuit or property damage and you're caught without insurance, you'll have to pay for repairs and legal costs out of your pocket. That means your business’s revenue will suffer and your bottom line will be negatively affected.
Even though Ohio's got a nice safety buffer between it and the coasts, it's still not immune to all risks. What kind of risks? Well, the most common hotel insurance claims in The Buckeye State include:
Ohio umbrella insurance raises your liability coverage limits. It is also known as extra liability insurance or extra insurance. Even if you already have liability coverage with a home, auto, boat or business policy, the umbrella policy pays liability claims that exceed the coverage limits on those policies. For example, if you have auto liability insurance for $50,000, and you cause an accident with $100,000 in damages, the umbrella insurance pays the additional $50,000 of the claim. Without the umbrella coverage, you would have to pay the excess liability out of your own pocket.
Some landlords require their tenants to carry renters insurance, but many do not. However, since the average renter keeps around $20,000 in personal property in the home, it is a good idea to insure your belongings with an inexpensive renters insurance policy. Liability coverage is even more important because if someone brings a lawsuit against you, you can easily be required to pay hundreds of thousands of dollars or more in damages. The financial protection you receive from a standard renters policy can be priceless if disaster strikes.
Life insurance is all about preparing for the unexpected. It is important to think about how those who depend on you would fare if you were to meet an untimely demise. If you are married, you may want enough coverage to allow your spouse to afford to keep the family home. If you are a parent, you will likely want to ensure that your children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.
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