Barnhardt Insurance Services, LLC

How do commercial excess and commercial umbrella policies help protect business owners?

It is crucial for business owners in the automotive service industry to protect themselves and customers' vehicles when they are in your business's possession. Garagekeepers liability helps cover and pay for damages to the customer's vehicles. There is always the potential for several things that can go wrong with vehicles, which is why taking measures to avoid exposures and claims will help maintain your business's integrity and customer service needs.

As an employer, how do you protect yourself against employee allegations and lawsuits? With an EPLI policy, which is specifically tailored with coverage for damages and defense costs related to employment-related claims.

In conclusion to the end of our Temporary Staffing & PEO Insurance Information Series, we recommend considering additional commercial insurance products to help meet your temporary staffing needs while meeting state regulations. It is crucial to meet state regulations and protect yourself as an insured business owner.

Enjoy reading Part 2 of our Temporary Staffing & PEO Insurance Information Series! At Barnhardt Insurance Services, we offer a variety of commercial insurance products to help meet your business needs while meeting state regulations.

Enjoy reading Part 1 of our Temporary Staffing & PEO Insurance Information Series! At Barnhardt Insurance Services, we offer a variety of commercial insurance products to help meet your business needs while meeting state regulations.

Renters insurance, also known as “tenant’s insurance," is available to protect yourself and your personal belongings. In addition, it keeps you safe from costly liability claims, which may include damaged/stolen belongings, and protection against on-property guest injury. It is always best to ensure you are protected from some of life’s most unpredictable, unfortunate catastrophes.

It is important to insure your property or rental with flood insurance. Regardless of where you live, keep in mind that even a small amount of water in your home can cause thousands of dollars in damage. So the potential risk is always there. At Barnhardt Insurance Services, we are happy to review your current property and renters insurance policies to help determine the exact flood coverage available to you or update your existing flood insurance coverage.

A lot can change in a year and with the new year running in full swing, insurance policies will be up for renewal. It is always best to review your renewal offer to make sure it matches your current lifestyle and coverage requirements.

Sometimes accidents happen. It is always best to review helpful tips as preparation reminders.

With 2021 ending, we wanted to reach out and send our best wishes to you and yours. We hope that 2022 holds success and good fortune in any endeavor you pursue. We look forward to serving you in the new year. - Aaron Barnhardt

Should you have any questions regarding your current or future commercial auto policy, please feel free to reach out directly to our office: (714)621.5432 or [email protected]

Here are a few more tips when taking an inventory of your personal property:

• Keep & attach sales receipts to your personal property inventory list.
• Keep a video inventory or photographs of personal property as an additional record of inventory & prior condition of your personal property.
• List any serial numbers that may already be on personal property.
• Engrave your own serial numbers into items that are of value for record-keeping purposes and do not already have their own serial number.
• All personal property inventory lists, along with photos and/or inventory videos, should be kept in a safe place away from your home such as a bank lockbox.

Note: should any personal property value exceed your policy’s existing coverage limits, BIS can also help you investigate adding Scheduled Personal Property coverage.

Additional Helpful Shopping Tips:
-Plan ahead.
-Create a holiday shopping list.
-Save gas (and time) by shopping online.
-Track price changes for expensive items.
-Use online coupons.
-Avoid unnecessary credit card debt.

Consumer Reports Article: https://bit.ly/3FMfvVw

Earthquakes come without warning and can happen anywhere in the U.S. Be prepared by knowing what you should do before, during, and after an earthquake. Being prepared also includes protecting your property ahead of time. Earthquake insurance provides coverage for your home in the event that an earthquake causes damage to it.

Earthquakes | Ready.gov Learn how to stay safe before, during, and after an earthquake. Prepare Before Stay Safe During Stay Safe After Additional Resources

Is your company at risk for global cyber attacks?
Please email our office to help assess your risk and find Cyber Insurance and Technology Errors & Omissions Insurance coverage that meets your organization's needs: [email protected]