Why do Small Businesses Need General Liability Insurance?

Your business, which is still small for now, has started from an idea that, over time and with your enthusiasm as an entrepreneur, has turned into a dream that you now pursue every day. But small businesses are vulnerable to unforeseen events because they generally have small capital and cannot handle in the event of potential disasters or accidents that involve lawsuits and obligations to pay compensation. All this can destroy a small business, which is why it is very important for owners to consider a general liability insurance for small business policy.

First, you must apply for general liability insurance. Your insurer will perform a check on your company, its activity, history of accidents and insurance claims etc. If no extraordinary risk is found, the insurance company will cover you.

The best thing is to get general liability insurance soon after you fund your business, because you will likely need it in different situations, such as signing contracts with big companies, applying for professional license, signing an office lease etc.

general liability insurance for small business

A general liability insurance for small business policy provides you peace of mind, because it covers many common lawsuits and keeps your finances relatively secure. In other words, if you are sued, you will not have to file bankruptcy. Business partners and clients alike want to be sure that you are able to deliver the work and finish the job, without being put down by a lawsuit; general liability insurance is a guarantee in this regard.

What coverage does a small business need?

First, you must choose a reliable insurer and see what options it offers. The policy must be customized to match your business` needs. For example, running a restaurant is not the same with manufacturing office furniture; in the first case you will need slip-and-fall coverage, while in the other you will definitely need product liability coverage – all these besides the types of insurance required by the law (workers` comp if you have employees and commercial auto insurance, if you drive for business purposes).

You should consider purchasing at least General Liability and Business Property insurance; alternatively, you can get a Small Business Owner’s Policy, which contains both, plus Business Income Insurance.

A good insurance company will guide you through your options and help you find the right fit.

What is covered? A general liability insurance for small business policy covers bodily injuries, medical payments, damage to other properties as well as reputational and advertising injuries.

What is not covered? Although this type of insurance offers broad liability coverage which is very important for your small business, there are also risks that will not be covered and or which you might need to purchase other insurance products:

  • Damage to your own property
  • Auto claims (they require commercial auto insurance).
  • Professional negligence (you will need professional liability insurance for this)
  • Lost income caused by business downtime (you can be covered with business interruption insurance).
  • Employees who get hurt while doing their job (a workers’ compensation insurance covers this type of accidents).
  • Product defects (you will need product liability insurance to cover these)

Is It Important to Use Sun Shades on Your Car?

windshield in broomfield need sun shadesSun shades, also known as sun screen shades, car shades or UV shields, are great, affordable and simple to use tools that keeps the sun’s rays away from the car cabin, thus keeping temperatures inside more comfortable and protecting sensitive cabin components, such as the complex electronics in the dashboard, the leather upholstery and veneer on the dashboard from harsh light and heat – here are the benefits of using sun shades in more detail.

The Elimination of Heat

Sun shades will not eliminate heat build-up inside the cabin completely, but they will maintain the temperature inside the car very close to comfortable levels even if the car has been left in direct sunshine for hours. Your sun shades will prevent the steering wheel, the gear shift lever and the surface of the seats from heating up, too, thus preventing skin irritation, burns and discomfort.

Protection for Electronic Equipment

Modern cars come with lots of advanced electronic components, including the infotainment system, driver assistance systems and various gauges and displays, all very sensitive to overheating. A sunshade placed on the front windshield will efficiently protect these important components by keeping cabin temperatures within acceptable range.

Protection for Seats, Veneers and Design Components

Car interiors are not all about functionality – their design serves aesthetic purposes as well. The upholstery on the seats, the inserts and the veneer on the inside of the doors are all meant to create an attractive space. However, the color of these components might fade or their surface might crack or warp when they are exposed to the harsh sunshine coming through the windshields and windows – problems that can be easily prevented with sunshades.

Protection in Cold Weather as well

Windshield sun shades are useful not only when it comes to keeping the heat out, but also when it comes to keeping the heat inside the cabin. The material that these apparently thin and flimsy sheets are made from is in fact a very strong material that has outstanding insulation properties, so the screen placed on the windshield will prevent or slow down the heat exchange between the car and the environment not only when it is very hot, but also when it is very cold outside, and helps to keep your visit to the windshield replacement Northglenn shop at a minimal.

Car Sun Shades or Windshield Covers

Both types of windshield protection share some features, but each of them comes with distinct features and benefits as well. While car shades are thin sheets made from material that looks like aluminium foil and are placed inside the cabin, attached to the interior part of the windshield in the front, in the back or on both windshields. Windshield covers are made from thicker material, more similar to blankets and are placed on the exterior surface of the windshield.

While car sun shades provide protection against UV radiation and help preserve the temperature in the car cabin, windshield covers provide protection against rain, snow, hail, falling leaves, dust and sleet and they prevent the formation of ice on the windshield, too, thus protecting the windshield against impact and helping with defrosting efforts in very low temperatures.

What Is a Catalytic Converter – What You Should Know about These Complex and Essential Car Components

Hearing Is What We Do Best

We hear about how important it is to have a properly functioning catalytic converter in your car, but if you are not a car owner with experience in car repairs and operation principles you might wonder what is a catalytic converter? Here are a few important things that you should know about these modern and complex components.

 

 

The Role of the Catalytic Converter in Your Car

 

The catalytic converter is a component of the car’s exhaust system that processes the noxious gases generated by the engine of the car during the process of burning fuel and converts them into less harmful chemicals before they are exhausted through the mufflers. A healthy catalytic converter is essential for ensuring the car functions optimally, without consuming too much fuel and also for increasing the chances of the car to pass the mandatory emissions test.

 

Possible Faults of the Catalytic Converter

 

Here are some of the most common problems of the catalytic converter:

 

  • Sensor faults – catalytic converters are linked to several sensors, such as the oxygen sensor. If any of these sensors malfunctions, it may lead to overheating that is dangerous for the cat unit;
  • Contamination and clogging – coolant leaks or an improper fuel mix can lead to contaminants building up in the catalytic converter, a process that has a negative impact on the converter’s health.

 

Diagnosing Catalytic Converters

 

There are various symptoms noticed while using your car that indicate a fault of the catalytic converter. Increased fuel consumption, the Check Engine icon coming up on your car’s display, exhaust gas that is too thick or smells strange can all be signs of a malfunctioning cat unit and they all require you to take the car to a garage for further testing as soon as possible.

 

The problems of the catalytic converter are usually diagnosed with the help of tests by trained mechanics. The mechanic connects a tester to the car’s central computer and he reviews the test results, then he informs you about the best course of action to take – in some cases, the catalytic converter can be repaired, in other cases it must be replaced with a new unit.

 

Options for Catalytic Converter Replacement

 

If your catalytic converter cannot be repaired, you have two options: you can either choose to get a new unit or you can use a second-hand unit. New parts are obviously more expensive, but they come with a warranty, while second-hand parts can have hidden issues that emerge only later.

 

You also have two choices when it comes to the type of the converter to be mounted on your car: you can either get a direct-fit unit that has been manufactured specifically for the make and model of your car and can be installed without any further modifications to your car’s exhaust system or you can choose to have a universal unit that is usually cheaper, but requires a more complex installation process.

 

To sum up our answer to the question “what is a catalytic converter?”, the catalytic unit is an essential component of modern car exhaust systems that converts harmful gases into less noxious ones and plays an important role in optimizing the car’s overall operation, including engine power and fuel efficiency.

 

Choosing the Best Lakewood Driving School – Easy if You Know What You Want

If you live in Lakewood and you have recently started browsing the websites operated by local driving schools to find a suitable driving course, you have surely seen that choosing the best Lakewood driving school is not easy. The task is difficult and confusing not only because most local schools advertise themselves as the best, but because they are excellent, indeed. Such abundance needs a strategic approach: you will need to determine your own priorities and perform an evaluation of the courses offered locally based on those priorities, so let’s see how to do that.

Preferences Related to Scheduling

Driving courses usually consist of in-classroom teaching, during which the students acquire the theoretical knowledge related to driving regulations, road conditions, defensive behavior on the road and many other aspects and driving practice, during which learners go out on the road and drive around the city and on the freeway with an instructor.

learner driver and instructor behind a carLearners are offered multiple options when it comes to the intensity and the duration of the course. The first phase usually consists of 30 lessons, while in most cases, the practice phase does not take longer than 15-20 lessons. Many schools nowadays offer the possibility to use online training materials to prepare for the mandatory exam that concludes the first part of the course, while others offer intensive courses or weekend lessons to allow students to attend the lessons without having to reschedule their day to day life.

Preferences Related to Instructors and Training Cars

The relationship between the instructor and the driving students is based on trust – if they don’t like each other, they will not be able to work together efficiently. Before you choose a Lakewood driving school, have a look at the profiles of the instructors the school works with, try to find out what former students think about them and talk to your instructor before you start the driving practice to see if you can collaborate – if you feel that you can’t, look for a different instructor.

The car that you will be driving around during your practice is also very important. Request a car that is similar in size and type to the one that you will be driving after you obtain your license. Don’t look for a specific make or model, but do choose a training car that has the same type of gear as the gear in your own car.

Pricing

Driving schools vary considerably in terms of pricing. To be able to determine the value that you will get for your money, evaluate payment plans and pricing in terms of the services included in the price. Check whether pick-up and drop-off services are included and also look for discounts offered to certain categories of clients such as teen drivers or senior learners. Find out if you are allowed to use your family car during the driving practice and during the driving exam – schools that provide that feature usually offer discounts to the students who choose the option.

Hopefully, now you no longer find the selection of the most suitable Lakewood driving school that difficult – after all, you just need to make up your mind about what works best for you.

Advantages And Disadvantages Of Catalytic Converters

Catalytic converters were invented with the purpose to reduce the quantity and increase the quality of emissions released in the air. With the increase in car sales and the usage of cars, it has become more and more important to ensure that we all still have fresh air to breathe. So, it seems that these devices can only bring advantages, but there are a few downsides that come with their usage as well, such as:

  • Decreased horsepower – the engine uses more energy for the converter and for burning the elements;
  • Reduced gas mileage – again, the catalyst slows down the circulation process of the emissions leading to a higher consumption of fuel;
  • Engine overheating – from the additional need to burn more.

But, still, considering the major side effects of not using such devices, meaning the reduction of oxygen, it is important to have a car with such a device. The cost of this feature amounts to 2% of the total car price. Also, an older study shows that catalytic converters reduce health costs not just for car owners but for all those around.

Saving Money And Upgrading Your Car With The Best Used Auto Parts Denver Dealers Offer

If your car is in urgent needs of repairs and you don’t have the required replacements, then you should be glad to hear that, when it comes to used auto parts, Denver is one of the best places to find the right part at the right price.

Buying used parts for your vehicle can save you a heap of money in the long run. You won’t have to pay extra for the shiny chrome and neither will you fork over two thousand dollars on something such as a car battery when you can pay half of that on one that will work just as well.

You won’t just save money by getting used car parts for your vehicle, but save the environment as well. That part you are buying will get many years of usage instead of ending up in a landfill and moreover car manufacturers won’t have to waste energy by making another new part.

Don’t miss out on the opportunity to fix your car with some of the best available used auto parts Denver dealers can help you with any part you need and make sure your vehicle will run smoothly for a long time.

What Do Car Dealers Think about the Hybrid Car Battery?

Car dealers say that plenty of customers have started to ask about the car battery nowadays. How much does it last? Should you go for regular or hybrid? How much does a Honda Civic hybrid battery replacement cost?

It is hard to say, and when you are trying to make a sale, you need to give the best references possible. And, thinking about the commission you get when selling a car, you will probably want to sell the most expensive car. In this case a hybrid car is definitely the right choice.

What are the things that a salesman will tell a customer about a hybrid battery to make sure he closes the deal?

Probably that the replacement is rare. This is very reassuring for the customers, especially because the costs are usually high. It could take hundreds of thousands of miles before the battery wears off and the whole battery package requires changing.

Another plus is the fact that the battery usually has a long warranty, for up to a decade. In a worst case scenario, if the battery fails or the performance drops, the warranty will cover the expense of changing or repairing it.

 

Grand Junction Car Dealers – Becoming One

Every car dealer, be it the Grand Junction Ford one or a multi-brand dealer, must have wondered how to start their business, when they came up with the idea.

First of all, you need to understand that this process requires time and money, more or less, depending on the way you would like to operate: as a used cars dealer or you would like to buy a franchise of an already famous dealer.

When you think you have enough money to start this business, the first thing to do is to save more money. Why? Because you will have to spend some every little step of the way. Next, you will have to get a dealer’s license, depending on the state laws. Most often you need to complete a course and pass an exam.

You need then to make sure that you have all the knowledge needed to run a business and have checked all the important things like having people helping you with the accounting and marketing, in case you cannot do it by yourself.

Then, decide if you want to be the only employee and have a one man show or you plan on hiring people to help. Then choose the type of cars you want to sell, create your business plan, choose your location, get a surety bond and don’t forget to register your business.

The Benefits of Buying a General Motors Vehicle from Colorado Chevy Dealers

GM Financial entices you with financing options across a full credit spectrum, going from prime to subprime, for the category of customers who want to buy a vehicle and benefit from complete ownership.

This is the perfect offer, because it lets you drive as much or as little as you want, and you benefit from maintenance on your own timeline and terms. So, when you buy a GM vehicle, you can feel the freedom.

In order to get started, all you have to do is to talk to one of the Chevrolet dealers Denver has and ask them about the financing plan through GM Financial. By applying for this plan, you will experience the following benefits:

  • You get complete vehicle ownership, titled in your name;
  • There will be no limits on the car’s mileage and no wear-and-tear restrictions;
  • You will be able to sell or trade your vehicle in whenever you want;
  • You will be free to customize your vehicle’s appearance as you wish;
  • There will be no predetermined scheduled requirements related to repairs.

GM Financial will help you decide what is best for you, and you will be able to enjoy your new car.

The Steering and Suspension Issues Can Be Treated Successfully in a Lakewood CO Auto Repair Centre

The steering and suspension systems of your vehicle are responsible for providing comfortable riding conditions and adequate driving performance, and any sign of malfunction should be addressed by a complete auto repair Lakewood CO technician.

These systems help the driver remain in control of their vehicle at all times. The car’s suspension system is responsible with converting the forward energy that bumps in the road into vertical energy which travels up into the structure of the vehicle. Its components – shock absorbers and coil springs – have a dampening effect on the impact of the road forces. The suspension components do not last for a life time, and this has an effect on your driving comfort.

The problems of the steering system result in unsteady, off-center, shaky, and stiff steering. Excessive swaying or bouncing during bumps is a clear sign that the suspension system has some problems and need urgent inspection. Uneven tire wear might be a bad wheel alignment result, but could also be the consequence of suspension problems.

Worn suspension components reduce the stability of the vehicle over time and affect your control as a driver, and, therefore, they should be promptly addressed by a Lakewood CO auto repair technician.