Carmar Insurance Agency

Uncharted Waters: How to Navigate the Future of Leadership and Business?

Uncharted Waters: How to Navigate the Future of Leadership and Business To be the best leader you can be today, do the things that your future business and people will thank you for.

Do you wake up feeling sluggish most mornings? Have caffeinated beverages become a necessity to help power you through the day? If this sounds familiar, it's time to ditch the quick fixes you rely on, and develop an energy management plan. http://smartinsurance.tips/7-tips-to-live-a-happier-life/

A cross liability coverage is seen as a standard addition to any commercial general liability (CGL) policy in order to distinguish between the individual insureds. Read this article to learn if you need it or not. http://smartinsurance.tips/what-is-cross-liability-coverage/

"Worried about how much of your private information is on the internet and vulnerable to theft or misuse? You’re not alone. Online privacy is an important issue.

But there are steps you can take to help manage and protect your financial and personal information while you visit your favorite social media, news, and entertainment sites." http://smartinsurance.tips/how-to-protect-your-privacy-online/

How to protect your college student from on-campus losses? http://smartinsurance.tips/protecting-your-college-student-from-on-campus-losses/

Small business grants are one of the best ways to increase working capital and grow a business. Small business grant programs can be a great way for small business owners looking for opportunities to build their business and develop it further. We’ll explore what a small business grant is, what it can be used for, and how to apply to different types of small business grants. http://smartinsurance.tips/how-to-get-small-business-grants/

What Does Employer’s Liability Insurance Cover? http://smartinsurance.tips/what-is-employers-liability-insurance/

4 Things Proactive Homeowners Do in September

4 Things Proactive Homeowners Do in September September is the perfect time to start on your winter home maintenance plan. Find out how to prep your deck and yard.

11 Essential Cocktails for Your September Parties

11 Cocktails to Fuel Your Fall Celebrations Looking for a new mixed drink to make? These refreshing autumn cocktails will inspire your craft-cocktail making at home.

Corporate reimbursement coverage is a form of liability insurance that companies purchase to protect themselves against losses due to legal actions against their directors and officers. It is one of three components of directors and officers (D&O) liability coverage. Check this article to know more. http://smartinsurance.tips/what-is-corporate-reimbursement-coverage/

Whether you just started working or you're nearly done, you can still potentially grow your nest egg. Consider the following tips, which can help you boost your savings — regardless of your current stage of life — and pursue the retirement you envision. https://www.merrilledge.com/article/10-tips-to-help-you-boost-your-retirement-savings-whatever-your-age-ose

Having a Yard Sale? Clean out, make money—but be sure to protect your customers and yourself!

Yard Sale | III A yard sale is a great way to clean out your home, make a little money and do some good for the environment by providing a second life for your possessions. But your enterprise could get expensive if someone gets hurt on your property and decides to sue.

Preventing this needs to be a priority for small businesses. You may not be able to stop phishing completely. It’s one of the biggest security risk factors whether you’re an eCommerce or brick-and-mortar store with an online presence. You need to know what you can do and how to stay ahead of sophisticated attacks. Here are some phishing statistics you should be aware of. A full 85% of breaches had a human element. http://smartinsurance.tips/how-to-prevent-phishing-everything-you-need-to-know/

30 Recipes to Make in September

20 New Recipes We Can't Wait to Make in September September is the bridge between summer and fall. Choose from late-summer dinners like grated tomato pasta and fall favorites like apple cider doughnuts.

Protect Your Rental Property and Income with Landlord Insurance

Protect Your Rental Property and Income with Landlord Insurance It's a wise decision to have a landlord insurance policy to protect your property and income. This policy, provides three major benefits to a property owner....

Vehicles That Cost the Most to Gas Up

Vehicles That Cost the Most to Gas Up - Consumer Reports Consumer Reports highlights SUVs and trucks that cost the most to fill their gas tanks, costing upwards of $118.

What is employment practices liability insurance (EPLI)? https://www.iii.org/article/what-employment-practices-liability-insurance-epli

Rule of Thumb: When Should You Refinance Your Mortgage? This simple rule can help you decide whether to refinance. http://smartinsurance.tips/rule-of-thumb-when-should-you-refinance-your-mortgage/

An all-risk insurance contract or "open perils policy" covers and protects you from all risks or perils that could damage your home or contents and personal property. Any exception must be spelled out in the policy. http://smartinsurance.tips/do-you-need-an-all-risk-insurance-policy/