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The Most Common Summer Insurance Claims

Summer is a time for fun and relaxation, but it is also a time when certain risks increase, leading to common insurance claims. It’s important to be aware of these risks and take appropriate measures to protect yourself and your property. Outdoor Fires Outdoor fires are a common insurance claim during the summer months. The…

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Protecting Your Team: A Deep Dive into Worker’s Compensation Insurance

Experience Modification Rate for Workers’ Compensation Insurance
Workers’ compensation insurance serves as a safety net for employees across various industries, providing vital support in times of injury or illness. Its overarching purpose is to ensure that workers are protected financially, physically, and emotionally during their employment tenure. This insurance operates based on the principle of compensation as a right, an essential benefit…

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Safety First: How Commercial Transportation Insurance Mitigates Risks

The trucking industry plays a crucial role in transporting goods and materials across long distances, but it also faces various risks that can have significant financial and operational consequences. To mitigate these risks, insurance and safety measures are essential components. Insurance serves as a safety net for trucking companies by providing coverage in the event…

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Navigating the Road: The Ultimate Guide to Transportation Insurance

Navigating the Road: The Ultimate Guide to Transportation Insurance
Transportation insurance is crucial for protecting your trucking business from potential financial losses. Accidents, theft, cargo damage, and other unforeseen events can result in significant expenses that can jeopardize the financial stability of your business. Having the right insurance coverage can provide peace of mind and protect your company from the financial impact of these…

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The Difference Between Mechanical Breakdown Insurance and Extended Warranty

The Difference Between Mechanical Breakdown Insurance and Extended Warranty
Mechanical Breakdown Insurance (MBI) and Extended Car Warranties both provide coverage for vehicle repair costs beyond the manufacturer’s warranty. MBI typically covers mechanical and electrical breakdowns, while extended warranties may also include coverage for wear and tear components. Cost-wise, MBI is often more affordable as it is usually offered as an add-on to your existing…

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Tips for Communicating With an Insurance Adjuster After a Slip and Fall Accident

Slip and Fall Accident NJ
What is a Slip and Fall Accident? A slip and fall accident is an incident in which a person slips, trips, or falls on someone else’s property as a result of a hazardous condition, such as a wet floor, uneven surface, or debris. These accidents can occur in various settings, including public places, private residences,…

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Elements of a Fleet Safety Program

When you operate a fleet of vehicles, you have to worry about drivers having accidents. These claims can be high, about twice the cost of other workplace injuries. So, you want to have a dedicated fleet safety program. The fleet safety program outlines your workplace’s policies and procedures, which can help your employees avoid accidents.…

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Understanding Commercial Package Insurance Policies

Insurance is one of the best ways to protect your business. You get financial protection from all catastrophes for a small, regular investment. However, buying commercial insurance individually can be prohibitively expensive. That is why asking about commercial package policies (CPP) is essential. A CPP offers financial savings and lets you get enough insurance to…

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Non-Trucking Liability – Misunderstood Insurance Coverages

You know you need different types of insurance for your truck. However, if you are like many owner-operators, you might not understand non-trucking liability (NTL) insurance. Capstone can help you understand NTL and its importance to your coverage. NTL is insurance designed explicitly for owner-operators who are working as independent contractors. It is not for…

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The Importance of Business Insurance

Insurance, Financial Services, Toms River, New Jersey, Capstone
When you are a business owner, protecting your business is critical. Your business is your business, so you want to ensure you protect it. In order to protect your business, however, you need business insurance due to its importance. Why Do You Need Business Insurance As a business owner, you can experience several types of…

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