Garage Fire Alert: Is Your Car Protected by Homeowners Insurance?

Homeowners Insurance 🔥 Garage Fire Alert: Is Your Car Protected?

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Shield Insurance Blog | Homeowners Insurance | Start A Quote Today!

If my garage burns down, will my homeowner’s insurance cover my car? This is a question that many homeowners may have after experiencing a devastating garage fire. The thought of losing both your home and your car in such a tragic event can be overwhelming, but understanding your insurance coverage can provide some peace of mind.

Homeowners Insurance

Garage fire insurance coverage is an important aspect of homeowners insurance. While homeowners insurance typically covers damage to your home and personal belongings, it may also extend coverage to your car if it is damaged or destroyed in a garage fire. However, it’s important to review your policy carefully to understand the specific coverage limits and exclusions.

Homeowner insurance and car coverage go hand in hand when it comes to garage fires. In most cases, if your garage is attached to your home, the damage to your car would be covered under your homeowner’s insurance policy. This coverage typically includes not only the cost of repairing or replacing your car but also any personal belongings that may have been damaged in the fire.

Car Insurance

Car insurance after a garage fire is another consideration. If your garage is detached from your home, your car may be covered under your auto insurance policy rather than your homeowners insurance. It’s important to contact your insurance carrier to determine the appropriate coverage and file a claim as soon as possible.

Insurance coverage for a car in a garage fire can vary depending on the specific circumstances and the terms of your policy. Some policies may provide coverage for the actual cash value of your car, while others may offer replacement cost coverage. It’s important to review your policy and discuss your options with your insurance agent to ensure you have the appropriate coverage in place.

Home insurance and car protection are crucial in the event of a garage fire. Your insurance policy is designed to protect your assets and provide financial support in times of need. By having the right coverage in place, you can have peace of mind knowing that your car will be protected in the event of a garage fire.

Do you have adequate Homeowners Insurance Coverage?

Car coverage in case of a garage fire is not something that should be overlooked. It’s important to review your insurance policy regularly and make any necessary updates to ensure you have adequate coverage. This includes reviewing your coverage limits, deductibles, and any additional endorsements or riders that may be available to enhance your coverage.

Homeowner insurance and car damage go hand in hand when it comes to a garage fire. Your insurance policy is designed to protect your home and its contents, including your car. By having the appropriate coverage in place, you can have peace of mind knowing that you will be financially protected in the event of a garage fire.

Garage fire and auto insurance are also interconnected. If your car is damaged or destroyed in a garage fire, your auto insurance policy may provide coverage for repairs or replacement. It’s important to contact your insurance carrier as soon as possible to file a claim and discuss your options.

Car protection in a garage fire is essential. Your car is a valuable asset, and having the right insurance coverage can help protect you from financial loss. By reviewing your policy and discussing your options with your insurance agent, you can ensure that you have the appropriate coverage in place to protect your car in the event of a garage fire.

In conclusion, it’s important to understand the coverage provided by your homeowner’s insurance in the event of a garage fire. While coverage can vary depending on the specific terms of your policy, most homeowners insurance policies will provide coverage for your car if it is damaged or destroyed in a garage fire. It’s important to review your policy, contact your insurance carrier, and discuss your options to ensure you have the appropriate coverage in place. Shield Insurance Agency represents over 40 insurance companies and can help you find the right coverage for your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Will my insurance cover a rental car if my car breaks down? Find out now!"

🚗🔧 Will my insurance cover a rental car if my car breaks down? Find out now!

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Shield Insurance Blog | Rental Car | Auto Insurance | Start A Quote Today!

When it comes to car insurance, there are many questions that can arise. One common question that many people have is whether their insurance will cover a rental car if their own car breaks down. In this blog post, we will explore this topic and provide you with the information you need to know.

First and foremost, it is important to understand the different types of coverage available with auto insurance. The most basic type of coverage is liability insurance, which covers damages to other people and their property if you are at fault in an accident. This type of coverage does not typically extend to rental cars.

However, there are other types of coverage that may provide coverage in the event of a breakdown. One such coverage is called comprehensive coverage. Comprehensive coverage is designed to cover damages to your own vehicle that are not the result of a collision, such as theft, vandalism, or natural disasters. Some comprehensive policies may also include coverage for rental cars if your own car is in the shop for repairs due to a breakdown.

Another type of coverage is called roadside assistance or breakdown coverage. This coverage is designed to provide assistance if your car breaks down, such as towing, jump-starting a dead battery, or changing a flat tire. Some roadside assistance policies may also include coverage for a rental auto while your car is being repaired.

It is important to note that not all insurance carriers offer rental auto coverage in the event of a breakdown. It is always a good idea to review your policy or contact your insurance carrier to determine if this coverage is included in your policy. If it is not, you may have the option to add it for an additional premium.

If your insurance policy does not include rental car coverage for breakdowns, there are other options available to you. One option is to purchase rental car insurance from the rental car company itself. This type of insurance typically provides coverage for damages to the rental car and may also include liability coverage. However, it is essential to note that rental car insurance can be expensive and may duplicate coverage that you already have through your own auto insurance policy.

Another option is to consider purchasing a separate breakdown insurance policy. This type of policy is specifically designed to cover the costs associated with a breakdown, including the cost of a rental autowhile your car is being repaired. Breakdown insurance policies can be purchased from various insurance companies and may provide coverage for a wide range of breakdown-related expenses.

In conclusion, whether your insurance will cover a rental car if your car breaks down depends on the specific coverage you have in your policy. Liability insurance typically does not provide rental car coverage, but comprehensive coverage and roadside assistance or breakdown coverage may include this type of coverage. If your policy does not include rental car coverage, you may have the option to add it for an additional premium or consider purchasing rental car insurance from the rental car company or a separate breakdown insurance policy.

If you have any questions about your car insurance coverage or would like to explore your options for rental car coverage, it is always a good idea to contact your insurance carrier or speak with an insurance agent. Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote and personalized advice. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Renewables are on track to keep getting cheaper and cheaper

Renewables are on track to keep getting cheaper and cheaper

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A new report says that ongoing improvements in renewables tech will keep driving steep cost declines that make them even more competitive against fossil fuels.

Canary Media | Sept 2023 | Alison F. Takemura | Renewables | Shield Insurance Blog

Canary Media’s chart of the week translates crucial data about the clean energy transition into a visual format.

Renewable energy already beats fossil fuels on cost globally — and according to analysts, the gap is only going to grow.

By 2030, technology improvements could slash today’s prices by a quarter for wind and by half for solar, according to the authors of a recent report from clean energy think tank RMI. (Canary Media is an independent affiliate of RMI.)

These remarkable and ongoing cost declines have made clean energy so attractive that it now outcompetes fossil fuels for new investment: 62 percent of global energy investment is expected to flow to clean energy technologies this year.

That cash is helping push renewables to new heights. According to estimates from the International Energy Agency, global clean energy capacity is expected to jump a jaw-dropping 107 gigawatts to more than 440 gigawatts this year — its largest increase ever.

What we’re living in ​“is an energy technology revolution,” said report co-author Kingsmill Bond, an energy strategist at RMI. It’s obvious from the data, yet the point is often lost in ​“a consistent drumbeat of counternarratives” about how difficult it is, and will be, to leave fossil fuels behind, he added.

“U.S. fossil-fuel demand peaked 15 years ago,” Bond said. ​“This is happening; people have just missed it.”

Renewable energy costs have fallen, and are projected to keep falling, because these technologies are riding ​“learning curves”: For every cumulative doubling of the deployed tech, its cost declines by a quantifiable percentage that varies by technology. Learning curves are a robust phenomenon that’s been observed for over 50 kinds of tech. Over the past 40 years, the average learning rate has been 20% for solar and 13% for wind.

That’s the underappreciated power of learning by doing; the more solar panels and turbines people make, the more they discover how to make them better, faster and cheaper. The RMI report’s range of forecasted cost declines is based on both these long-term average learning rates and the higher rates observed in more recent years (30% for solar and 25% for wind).

Fossil fuels, by contrast, have not gotten on empirical learning curves. For more than a century, fossil fuel prices have swung wildly without trending consistently downward. 

Visit Canary Media for the full story

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State minimum coverage: Find out if state minimum coverage is leaving you vulnerable

State minimum coverage: Find out if state minimum coverage is leaving you vulnerable

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Shield Insurance Blog | State minimum coverage | Start A Quote Today!

When it comes to auto insurance, many people wonder if they really need more than the state minimum coverage. After all, the state requires a certain level of coverage to legally drive on the roads, so why would you need anything more?

While it may be tempting to stick with the minimum coverage required by law, there are several reasons why it is often a good idea to consider getting additional coverage. In this blog post, we will explore the importance of having more than the state minimum coverage and why Shield Insurance Agency is the best choice for finding the right coverage for your needs.

Shield Insurance Agency represents over 40 insurance companies, which means we have access to a wide range of coverage options. Our experienced agents can help you navigate through the different policies and find the one that best suits your needs and budget. Whether you are a new driver or have been on the road for years, we can help you find the right coverage to protect yourself and your vehicle.

One of the main reasons why it is important to have more than the state minimum coverage is to protect yourself financially in the event of an accident. While the state minimum coverage may be enough to cover damages to the other party involved in the accident, it may not be enough to cover your own medical expenses or repair costs. Without adequate coverage, you could be left with a hefty bill that you have to pay out of pocket.

Having more than the state minimum coverage can also provide you with peace of mind. Knowing that you have comprehensive coverage that will protect you in a variety of situations can help alleviate the stress and worry that often comes with driving. Whether it is a minor fender bender or a major collision, having the right coverage can make all the difference in how you handle the situation.

Another reason to consider getting more than the state minimum coverage is to protect your assets. If you are found at fault in an accident and the damages exceed your coverage limits, you could be held personally responsible for the remaining costs. This could include not only the damages to the other party’s vehicle but also any medical expenses or legal fees that may arise. By having additional coverage, you can help safeguard your assets and protect yourself from potential financial ruin.

At Shield Insurance Agency, we understand that everyone’s insurance needs are different. That is why we offer a personalized approach to finding the right coverage for you. Our agents will take the time to understand your specific needs and budget and then work with our network of insurance companies to find the best policy for you. We believe in providing our clients with options and ensuring that they have the information they need to make an informed decision.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are here to help you navigate the often confusing world of insurance and find the coverage that is right for you. Don’t leave your financial future to chance – let Shield Insurance Agency help you protect what matters most.

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This Terrifying Alien-Like Creature With 20 Arms Was Just Found In The Depths Of The Antarctic Ocean

This Terrifying Alien-Like Creature With 20 Arms Was Just Found In The Depths Of The Antarctic Ocean

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All That’s Interesting.com | By Austin Harvey | August 17, 2023 | Alien-Like Creature | More Blogs

The Promachocrinus fragarius, or Antarctic strawberry feather star, sports around 20 feather-like arms for navigation and additional clawed tendrils used for crawling along the ocean floor, an alien-like creature.

Marine scientists have recently confirmed the existence of a new species of invertebrate living in the waters of Antarctica — a terrifying strawberry-like sea creature with 20 arms

Named Promachocrinus fragarius, or “Antarctic strawberry feather star,” this newly discovered sea creature’s name might be something of a shock at first glance. Surely, it doesn’t look much like a strawberry at all. But upon further inspection, the little nub at the base of its 20-something arms does indeed resemble the titular fruit.

Greg Rouse, a marine biology professor at the University of California, San Diego, co-authored the study chronicling the discovery of the Antarctic strawberry feather star. Speaking with Insider, Rouse explained that in photographs, the team removed some of the creature’s cirri — the smaller tentacle-like strings protruding from its base — to show off its strawberry-like shape.

“We’ve taken away a bunch of the cirri so you can see the parts that they’re attached to, and that’s what looks like a strawberry,” he said. Rouse added that the cirri have small claws at the end, which allow them to hold on to the bottom of the seafloor.

Fragarius is from the Latin “fragum,” meaning strawberry.

The creature’s arms, meanwhile, are much longer and feathery. As the appendages are a bit more spread out, the creature is able to move elegantly through the ocean waters.

The team from the Scripps Institution of Oceanography published their findings in the journal Invertebrate Systematics in July 2023.

Technically, the Antarctic feather star falls under the Crinoidea class, placing it in the same category as starfish, sea urchins, sand dollars, and sea cucumbers.

More on the story…

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Comprehensive Car Insurance Coverage Everything You Need to Know - Shield Insurance Blog

Comprehensive Car Insurance Coverage: Everything You Need to Know

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Shield Insurance Blog | Comprehensive Car Insurance | Auto Insurance | Start A Quote Today!

What is covered by comprehensive car insurance?

Car insurance is a necessity for every driver on the road. It provides financial protection in case of accidents, theft, or damage to your vehicle. One of the coverage options available is comprehensive physical damage coverage. But what exactly does it cover? In this blog post, we will explore the details of comprehensive physical damage coverage and help you understand its benefits.

Comprehensive physical damage coverage, often referred to as comprehensive coverage, is an optional coverage that protects your vehicle against non-collision damages. It covers a wide range of perils that can cause damage to your car, such as theft, vandalism, fire, falling objects, natural disasters, and more. Unlike collision coverage, which only covers damages resulting from a collision with another vehicle or object, comprehensive coverage provides protection against a broader range of risks.

Let’s take a closer look at some of the specific perils covered by Comprehensive Car Insurance for physical damage:

1. Theft: If your car is stolen, comprehensive coverage will reimburse you for the value of your vehicle, up to its actual cash value. This can be a significant relief, especially if you have a high-value or expensive car.

2. Vandalism: If your car is intentionally damaged by someone, comprehensive coverage will cover the cost of repairs. This can include acts of vandalism like keying, graffiti, or broken windows.

3. Fire: If your car is damaged or destroyed by fire, comprehensive coverage will pay for the repairs or replacement of your vehicle. This can be particularly important if you live in an area prone to wildfires or if your car catches fire due to a mechanical failure.

4. Natural disasters: Comprehensive coverage also protects your vehicle against damages caused by natural disasters such as hurricanes, tornadoes, earthquakes, floods, or hailstorms. These events can cause significant damage to your car, and having comprehensive coverage ensures that you are financially protected.

5. Falling objects: If a tree branch, debris, or any other object falls on your car and causes damage, comprehensive coverage will cover the cost of repairs or replacement.

6. Animal collisions: If you hit an animal while driving, comprehensive coverage will cover the damages to your vehicle. This can include collisions with deer, dogs, cats, or any other animal.

7. Glass damage: Comprehensive coverage often includes coverage for glass damage, such as cracked windshields or broken windows. Some insurance companies may offer separate glass coverage, so it’s important to check your policy details.

It’s important to note that comprehensive coverage does not cover damages resulting from a collision with another vehicle or object. For that, you would need collision coverage. However, comprehensive coverage can be combined with collision coverage to provide more comprehensive protection for your vehicle.

Comprehensive physical damage coverage is not mandatory in most states, but it is highly recommended, especially if you have a newer or more valuable vehicle. Without comprehensive coverage, you would be responsible for paying for repairs or replacement out of pocket in case of non-collision damages.

Comprehensive Car Insurance Deductible

When considering comprehensive coverage, it’s important to understand the deductible associated with the coverage. A deductible is the amount you are responsible for paying before your insurance coverage kicks in. For example, if you have a $500 deductible and your car sustains $2,000 worth of damages, you would be responsible for paying the first $500, and your insurance would cover the remaining $1,500.

The cost of comprehensive coverage can vary depending on several factors, including the make and model of your vehicle, your location, your driving history, and the deductible you choose. It’s always a good idea to shop around and compare quotes from different insurance companies to find the best coverage at the most affordable price.

In conclusion, comprehensive physical damage coverage provides valuable protection for your vehicle against non-collision damages. It covers a wide range of perils, including theft, vandalism, fire, natural disasters, falling objects, animal collisions, and glass damage. While not mandatory, comprehensive coverage is highly recommended, especially for newer or more valuable vehicles. Understanding the deductible and shopping around for the best coverage and price are essential steps in securing comprehensive coverage for your car. With comprehensive coverage, you can have peace of mind knowing that you are financially protected against unexpected damages to your vehicle.

Shield Insurance Agency represents over 40 insurance companies. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Discover the Hidden Benefits of Medical Pay Coverage on Your Car Insurance - Shield Insurance Blog

Discover the Hidden Benefits of Medical Pay Coverage on Your Car Insurance

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Shield Insurance Agency Blog | Medical Pay Coverage | Contact Shield Today | Start A Quote

Car accidents can happen unexpectedly, leaving individuals with not only physical injuries but also financial burdens. In such situations, having the right insurance coverage can make a significant difference. One important aspect of car insurance that often goes unnoticed is Med Pay coverage. In this blog post, we will explore what Med Pay coverage is, its benefits, and why it is essential to consider when purchasing a car insurance policy. Additionally, we will introduce Shield Insurance Agency, a trusted provider representing over 40 insurance companies, and provide contact information for those interested in obtaining a free quote.

Understanding Medical Pay Coverage:

Med Pay coverage, short for Medical Payments coverage, is an optional add-on to a car insurance policy that helps cover medical expenses resulting from a car accident, regardless of who is at fault. This coverage is designed to provide immediate financial assistance for medical bills, regardless of whether the injured party has health insurance or not. Med Pay coverage typically covers expenses such as hospital visits, surgeries, X-rays, ambulance fees, and even funeral costs in the event of a fatality.

Benefits of Medical Pay Coverage:

  • Immediate Financial Assistance: Med Pay coverage ensures that medical expenses are covered promptly, allowing individuals to focus on their recovery rather than worrying about mounting bills.
  • No-Fault Coverage: Unlike liability coverage, Med Pay coverage is not dependent on determining fault in an accident. It provides coverage regardless of who caused the accident, making it a valuable asset in situations where fault is disputed or unclear.
  • Supplemental Coverage: Med Pay coverage can act as a supplement to health insurance, covering deductibles, co-pays, and other out-of-pocket expenses that may not be fully covered by health insurance policies.
  • Coverage for Passengers: Med Pay coverage extends to passengers in the insured vehicle, ensuring that their medical expenses are also covered in the event of an accident.
  • Peace of Mind: Knowing that medical expenses will be taken care of in the event of an accident can provide peace of mind to policyholders and their families, alleviating the stress associated with unexpected medical bills.

Why Choose Shield Insurance Agency:

Shield Insurance Agency is a reputable insurance provider representing over 40 insurance companies. With their extensive network of insurance carriers, they can offer a wide range of coverage options tailored to individual needs. Their experienced agents are well-versed in the intricacies of Med Pay coverage and can guide customers through the process of selecting the right policy.

Contact Shield Insurance Agency for a Free Quote:

For those interested in obtaining a free quote for car insurance or learning more about Med Pay coverage, Shield Insurance Agency is just a phone call away. By dialing (616) 896-4600, individuals can speak with a knowledgeable agent who will provide personalized assistance and answer any questions. Alternatively, the quoting process can be initiated by visiting the provided link, where an agent will be in touch soon to discuss specific insurance needs.

Med Pay coverage is an essential component of a car insurance policy that provides immediate financial assistance for medical expenses resulting from a car accident. Shield Insurance Agency, representing over 40 insurance companies, is a trusted provider that can help individuals find the right coverage to suit their needs. Whether it’s obtaining a free quote or learning more about Med Pay coverage, Shield Insurance Agency is committed to providing excellent customer service and ensuring that individuals have the necessary protection in place. Don’t wait until it’s too late – contact Shield Insurance Agency today to secure the peace of mind you deserve.

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The Bizarre Story Behind The Real-Life Barbie And Ken

The Bizarre Story Behind The Real-Life Barbie And Ken

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All that’s interesting | January 13, 2022 | Barbie And Ken | Shield Insurance Blog | Start A Quote Today!

The Bizarre Story Behind The Real-Life Barbie And Ken — And Why They Became Dolls

By All That’s Interesting | Edited By Jaclyn Anglis

Valeria Lukyanova and Justin Jedlica have spent untold dollars to look like real-life Barbie And Ken dolls — and they’ve caused plenty of controversy along the way.

Like it or not, Barbie and Ken’s exaggerated proportions have shaped popular conceptions of physical beauty for decades. This has led some to go to extreme lengths to turn themselves into human dolls — or even the real-life Barbie and Ken. Two such people are Valeria Lukyanova and Justin Jedlica.

Though they’re famous for looking like the doll couple, they’re far from the picture-perfect pair In fact, with their opposing personalities, the real-life Ken and Barbie actually have an ongoing feud.

The Human Barbie: Valeria Lukyanova

The woman who the press has dubbed the “human Barbie” was born on August 23, 1985, in Tiraspol, Moldova — a mostly forgotten remnant of the Soviet Union. Valeria Lukyanova is currently a Ukrainian model and uses her appearance to promote her ideas about spirituality and mysticism.

Valeria may resemble a doll more than an actual human, but she claims she never set out to look like the iconic blonde Barbie. Instead, she simply wants to look beautiful, feminine, and refined. It just so happens that’s the image that dolls are made in, too. However, she admits to loving Barbie as a child.

You may think that plastic surgery and cosmetic enhancement are a large part of Valeria’s signature look, but she claims to have only had breast augmentation. She rails against people who spread rumors that she’s had her ribs removed in order to achieve her impossibly tiny waistline.

More on the story…

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Discover the Ultimate Restaurant Insurance Program for Your Business

Discover the Ultimate Restaurant Insurance Program for Your Business

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Shield Insurance Blog | Restaurant Insurance | Contact Shield Agency to get started

Restaurant insurance is important for several reasons. It provides financial protection, ensuring that the restaurant is not financially devastated by unexpected accidents, injuries, or lawsuits. It also helps restaurants comply with laws and regulations that require certain types of insurance coverage. Having the right insurance coverage gives restaurant owners peace of mind, allowing them to focus on running their business without worrying about unforeseen risks. Additionally, restaurant insurance helps protect the restaurant’s reputation by covering the costs of repairs, lost income, and other expenses in the event of a covered event.

What Does Restaurant Insurance Cover?

Restaurant insurance is designed to protect your business from a variety of risks and liabilities. Here are some of the key coverages typically included in a restaurant insurance policy:

  • Property Insurance: This coverage protects your building, equipment, inventory, and other physical assets from damage or loss caused by fire, theft, vandalism, or other covered perils.
  • General Liability Insurance: General liability insurance provides coverage for bodily injury, property damage, and personal and advertising injury claims that arise from your restaurant’s operations. This coverage can help pay for medical expenses, legal fees, and settlements or judgments if you are found liable for an accident or injury.
  • Liquor Liability Insurance: If your restaurant serves alcohol, liquor liability insurance is essential. This coverage protects you from claims and lawsuits related to alcohol-related accidents or injuries caused by intoxicated patrons.
  • Workers’ Compensation Insurance: If you have employees, workers’ compensation insurance is typically required by law. This coverage provides benefits to employees who are injured or become ill on the job, including medical expenses, lost wages, and rehabilitation costs.
  • Business Interruption Insurance: Business interruption insurance helps replace lost income and cover ongoing expenses if your restaurant is forced to temporarily close due to a covered event, such as a fire or natural disaster.
  • Food Contamination Coverage: This coverage protects your business in the event of a foodborne illness outbreak or contamination that leads to a loss of income or damage to your reputation.
  • Equipment Breakdown Insurance: Equipment breakdown insurance covers the cost of repairing or replacing essential equipment, such as refrigeration units or cooking appliances, if they break down due to mechanical or electrical failure.
  • Cyber Liability Insurance: In today’s digital age, cyber liability insurance is becoming increasingly important for restaurants. This coverage helps protect against data breaches, cyberattacks, and other cyber-related risks that could compromise your customers’ personal information.
  • Employment Practices Liability Insurance: This coverage protects your restaurant from claims related to employment practices, such as wrongful termination, discrimination, or harassment.
  • Commercial Auto Insurance: If your restaurant owns vehicles for deliveries or other business purposes, commercial auto insurance is necessary to protect against accidents, property damage, and liability claims.

How Much Does Restaurant Insurance Cost?

The cost of restaurant insurance can vary depending on several factors, including the size of your restaurant, the type of cuisine you serve, your location, your claims history, and the coverages and limits you choose. On average, restaurant insurance can cost anywhere from $1,000 to $10,000 per year.

To get an accurate quote for your restaurant insurance, it’s best to contact an insurance agent who specializes in restaurant insurance. They can assess your specific needs and provide you with a customized quote based on your unique circumstances.

Why Is Restaurant Insurance Important?

Restaurant insurance is essential for protecting your business from the many risks and liabilities that come with operating a restaurant. Here are a few reasons why restaurant insurance is important:

  • Financial Protection: Restaurant insurance provides financial protection in the event of a covered loss or liability claim. Without insurance, you could be responsible for paying out of pocket for property damage, injuries, or legal fees, which could be financially devastating for your business.
  • Compliance with Laws and Regulations: Many states and local jurisdictions require restaurants to carry certain types of insurance, such as workers’ compensation or liquor liability insurance. By having the necessary insurance coverage, you can ensure that you are in compliance with these laws and regulations.
  • Peace of Mind: Running a restaurant is already a challenging endeavor, and the last thing you want to worry about is unexpected accidents, injuries, or lawsuits. With the right insurance coverage, you can have peace of mind knowing that you are protected against these risks and can focus on running your business.
  • Reputation Protection: In the event of a foodborne illness outbreak, property damage, or other covered event, restaurant insurance can help cover the costs of repairs, lost income, and other expenses. This can help protect your restaurant’s reputation and ensure that you can quickly recover and get back to serving your customers.

In conclusion, restaurant insurance is a crucial investment for any restaurant owner. It provides financial protection, ensures compliance with laws and regulations, and offers peace of mind knowing that your business is protected against a wide range of risks and liabilities. To find the best restaurant insurance program for your business, it’s important to work with an experienced insurance agent who can assess your needs and provide you with a customized insurance solution. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Wind-powered shipping - Shield Insurance Blog

Wind-powered shipping is back as a quiet revolution sweeps the seas

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Positive News | by Robin Eveleigh | August 25, 2023 | Wind-powered shipping | Contact Shield Insurance

A sail-powered freighter is the latest attempt to clean up the shipping sector. Electric ferries are also taking to the waves, but the route to a cleaner future is long

Cutting-edge yacht racing technology has been brought to modern-day cargo shipping in a bid to cut the sector’s contribution to greenhouse gas emissions.

Shipping, largely powered by heavy sulfur fuel oil, spews out around three percent of global emissions. Although wind – not fossil fuels – once powered global trade, sails are impractical on modern vessels thanks to their weight and size.

Until now. 

Wind-powered shipping

Mitsubishi-owned bulker, Pyxis Ocean, weighed anchor on Monday and retrofitted with two ‘WindWings’, designed by British marine engineers BAR Technologies. They’re expected to save the vessel around three tonnes of fuel a day on its crossing from Singapore to Brazil. 

“If you’d asked me two and a half years ago whether wind power would ever again play a significant role in shipping, I would have been skeptical,” said Aleksander Askeland, CSO of Norway-based Yara Marine, which oversaw WindWings’ build and installation. “You need wind to overcome a threshold where it becomes meaningful, and that’s not at all obvious when you have such large vessels to move around. It’s a completely different game to the age of sail.”

BAR Technologies drew on their experience operating in the highest echelons of elite yacht racing to design WindWings, with development funding from the EU and global conglomerate Cargill. 

More on Wind-powered shipping…

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