How to Get Insurance for Your Small Business: Smart Tips for Better Coverage
Terakhir Diubah : 09:03:45 - Kamis, 21 Juli 2022
Small businesses need insurance coverage to protect them against risk and financial loss. Small business owners need to do their research to determine the types of insurance they need and to find the best policies for their business model. Small business insurance is crucial for protecting your business and personal assets in the event of an unexpected catastrophe.Consider all the different risks that could harm your business, from lawsuits, theft to car accidents to natural disasters. Write them all down so you can find coverage options that protect against those particular risks.Go over the details of your business with the insurance. They will know all the questions to ask to determine the coverage you need. You’ll just need to be prepared with the proper documentation so you can answer all their questions. If you have your own questions about insurance policies, make sure to ask them during the meeting. Call us 021-50508080 for more info.
Safety Tips For Walking In The Rain
1. Get an Umbrella
An umbrella is useful for a variety of reasons while walking in the rain, not only will it naturally help to keep you dry, but it will also keep water out of your eyes. When water impairs your ability to see (especially if you wear glasses!), you’re more at risk of an accident. What’s more, holding an umbrella also improves your visibility, helping the drivers of surrounding vehicles to see you.
2. Wear Bright Colors
A brightly colored raincoat will serve you well when walking in the rain. Much like the umbrella (which should also be bright if possible), this utilitarian item will both keep you dry and aid in other motorists’ ability to see you. The brighter the color, the better. When it’s raining out, visibility is significantly impaired, especially for elderly drivers, but bold colors stand out and help you avoid a pedestrian accident.
3. Choose Non-Slip Shoes
Non-slip shoes (and preferably waterproof ones for your comfort) can help you get across streets safely. When streets and sidewalks are wet, slip and fall accidents may be more likely. While a slip on a sidewalk can lead to injuries, a slip in the middle of the road can be catastrophic.
4. Follow Traffic Laws
Rain or shine, you should always follow pedestrian rules of the road.
5. Using a sidewalk whenever possible
Crossing at a crosswalk when the signal indicates that it’s okay to do so
Yielding to vehicles when not crossing at a designated crossing area
Not exiting the sidewalk into the path of traffic
6. Resist Distractions
Finally, remember to put away distracting items when walking in rain. Turn off the music and tuck your cell phone safely into your pocket. When it’s raining out, approaching vehicles can be harder to both see and hear, and extra attention can be key to your safety.
After The Accident
Hail phenomenon in Indonesia
A number of areas in the city of Surabaya were hit by heavy rain accompanied by strong winds and large amounts of ice on Monday (21/2/2022) at around 14.50 WIB. So what causes hail? Hail occurs because there is a temperature difference in the clouds and the earth's surface is reached. So, the air temperature on the earth's surface is very hot while Cumulonimbus (CB) clouds in the sky have very low temperatures, which can reach minus 80 degrees. So that when it rains, the ice has not melted and there is hail. Then can a vehicle damaged by hail be covered by insurance? You have to re-check your vehicle policy, whether hail is a natural disaster covered by your Vehicle Insurance. For information about vehicle protection, contact us at 021-50508080.
Car Insurance Protection
We really never know about things that might happen in the future. For that, it is also important that you have protection from various risks, in this case regarding the car, such as the risk of damage to loss. Pity your expensive car is damaged? Moreover, because there is no protection, you also have to pay dearly for the cost of repairing it.
Vehicle insurance is useful to protect you from losses due to accidents. What are some examples of vehicle insurance benefits and protections?
In general, examples of types of car insurance consist of total loss only (TLO) car insurance and all risk (comprehensive) car insurance.
1. Total Loss Only Car Insurance Benefits (Total Loss/TLO Car Insurance)
As the name implies, total loss only (TLO) car insurance offers car insurance benefits in the form of claims that can only be made if there is a total loss. The total loss in question is damage that occurs above 75% or loss due to theft or confiscation. The amount of damage of 75% is used as a benchmark because the car will certainly not be able to be used again.
2. All Risk (Comprehensive) Car Insurance Benefits
All risk insurance is a long-term and comprehensive protection insurance, it protects the vehicle from losses, for example from accidents, other people's evil deeds, fire, and others.
Ask us about vehicle insurance via the WhatsApp chat application or contact us at the Sahabat Insurance call center 021 - 50508080