What kind of insurance do you need if you host private wine dinners in people's homes?
Party and Alcohol liability if the dinner/party is a substantial length of time and ppl. Inquire with your existing broker/agent to see if they offer it.
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Liability insurance . Talk to any insurance agent, but I would think any businessliability insurance would cover you. Actually, the owner'sinsurance would probably cover any liability to someone you hitwith his car, and if he has full coverage, his damage too. However,that company will probably try… to recover its payout from you. Trythis site where you can compare quotes from different companies:USAINSURANCEQUOTES.NET (MORE)
Insurance for a Home Business . First check, your homeowners insurance policy. Your home policy may not cover your business needs but check with your agent first about additional coverage.. The things to consider include:. Equipment insurance - coverage for your computer, fax machine, etc. . …Liability insurance . Malpractice insurance - professional protection against losses resulting from professional mistakes . Data insurance - protection for computer files. . Disability insurance - prices may be high but it may be worth your piece of mind. . Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! . State Insurance Department websites:. http://www.naic.org/state_web_map.htm More than half of the businesses in the United States are based out of the owner's home, with more being added every year, according to research by the Small Business Administration. Many of those entrepreneurs think their homeowners' insurance policies cover their business needs when the unexpected happens, but the reality is that most homeowners' policies don't.Homeowners insurance provides a limited amount of coverage for business equipment, but most standard homeowners' policies exclude coverage for businesses operating in the home. Most policies don't cover lost data, lost income or liability. cheap homeowners insurance company in Florida (MORE)
There are many ways to package insurance but most retail stores areeligible for a BOP, short for business owners package. Busienssowners packages combine many of the coverages you may needincluding property coverage for your inventory or building, andliability coverage in case someone was hurt on yo…ur premesis orinjured by product you sold. If you have employees you will also need work comp insurance. Ifyou deliver product you will need commercial auto and cargoinsurance. Retail shops who vend high risk products are ineligble for BOPS, soall of these coverages need to be purchased separately. (MORE)
A Chef could need the coverage depending on the work environment. Self Employed or Employed. If your a Chef working in the employ of another, the liability insurance requirement would fall on the employer and there would be no need for the Chef to buy it again. If Self employed, you should pro…bably have General Liability Insurance Coverage. If you do need it, it would be called Professional Liability Insurance. Most companies would get this type of insurance for their chefs One question alluded to a client requesting proof of Workmen's Comp. insurance from a Self Employed Chef. In the State of Rhode Island, a sole proprietor does not need workman's comp. insurance for himself - only his workers if any. However, it would be prudent to carry a accident/disability insurance in case of accidents on client's property. The question of liability comes down to the fact that if the chef does not pay attention to the proper handling of food, people can get sick. Or they can also die depending upon if the person has a previous health problem. If health concerns are not attended to by the chef, he or she will have many problems. Cross contamination is a big problem in commercial kitchens as well as in home kitchens. The disability insurance is a good idea for injury. The liability insurance is an issue if the chef isn't handling the food correctly. It comes down to the training of the chef. (MORE)
Title insurance is usually required by the lender to protect the lender against loss resulting from claims by others against your new home. In some states, attorneys offer title insurance as part of their services in examining title and providing a title opinion. The attorney's fee may include the t…itle insurance premium. In other states, a title insurance company or title agent directly provides the title insurance.. A Lender's Title Insurance policy is usually required when you are refinancing. If you have an Owner's Title policy already (you probably received it with your recorded deed) and can provide the title agent with a copy of it, you can very often get a reissue credit that will greatly reduce the amount of money this lenders title insurance policy will cost you.. To save money on title insurance, compare rates among various title insurance companies. Ask what services and limitations on coverage are provided under each policy. In many states, title insurance premium rates are established by the state and may not be negotiable. Even if the premium rates are not negotiable, many of the title-related fees can vary from company to company and should be compared as well. (MORE)
Answer . Buy a piercing-specific policy. Assuming you have a store, it will cover inventory, lost wages, etc.. You can't buy a policy for body piercing unless you have several years of verifiable experiance, then you still will not be able to purchase malpractice insurance.
Answer . If you are raising dogs to sell, and members of the public will be coming onto your property to see them, then you need bodily injury liability coverage in case someone is bitten, or is injured while on your property.\nIf you are boarding OTHER people's dogs, you also need liability insu…rance against negligence suits, in case their dog is injured or killed through accident.\nPlus, with any kind of business, it's smart to carry a policy that will protect you from fire, natural disaster, theft or vandalism. (MORE)
Answer . A restaurant Business Owners policy with good liability should do the trick. You'll also need workers comp, and for the owner, life insurance, Disability Insurance and eventually a good retirement plan. Call an agent that works with commercial insurance.
You NEED public liability insurance (if you are mobile) and public liability and buildings liability if working from a salon (or at festivals for your festival tent). you cannot get insurance for BLACK HENNA as it is very unsafe and no-one in the UK would insure you to use it It also helps if yo…u have FULL RISK ASSESSMENTS to cover you in any case of a person claiming. And health and hygiene in your work place is important too. (MORE)
The amount of coverage may vary from state to state. Commonly, a million dollar liability policy is needed. In most states, a construction company must be registered with the state and is granted a license. During the registration, you must show that you are covered by an insurance policy.. There a…re some up-sides to this additional cost. Such as this million dollar policy can also be used for other items; like qualifying for "In-transit" plates and also for "commercial" plates. You may also be able to use this same policy to get a car dealer's license and thus, "dealer" plates. (MORE)
Answer . You would want to protect yourself with a business liability policy of some kind, most certainly, contact a good agent in your area they will be able to assist you with coverages for this particular business...good luck to you !!
Contact a good agent in your area, I think I would start first with my home owners agent for advise, there could be an endorsement that is available, that you can attach to your homeowners policy. If not the agent will be able to refer you to another agent that can be of assistance I'm sure. ***… This answer is incomplete, and needs improvement. I checked with my home insurance company (GEICO), which does not offer such coverage. They were unable to recommend another provider and instead suggested that I go to "ask.com". Now, I must inform them that there is no such help available at "ask.com" and they should not waste other customers' time by referring them to "ask.com". (MORE)
Liability insurance, often termed "malpractice insurance. Yes, as far as I know, attorney clients have the ability to sue their attorney's ( especially in felony cases" ) where the attorney does not inform his client of important decisions he intends to make that will clearly hurt the case. Also, Co…urts impose deadlines on attorneys for certain procedural matters they must take care of for the benefit of their clients. Failure to do these things could adversely affect the client's case. (MORE)
You decide what is best for you. If you have a favorite and it is not all that, bring your favorite wine bottle wheather it not all that. You can also find out on www.rachaelray.com.
At a minimum you should carry a general liability policy that protects you again any claim such as a slip and fall etc. on your premises. I would recommend at least $500,000 in coverage. . Your state insurance department is your best resource for insurance-related questions and concerns. Find info…rmation on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! . State Insurance Department websites:. http://www.naic.org/state_web_map.htm (MORE)
Of course it depends on the personal biases of those you ask, but no more than the liability for housing you in your home. You cannot be held accountable for the acts of others. You are not liable for what your tennants do.
The answer, like the answer to all liability limits qustions, depends on two factors:. 1. How much can a private bartender be successfully sued for?. 2. Is there a premium point (for payment of increasingly higher liability insurance coverage limits) beyond which you are willing to assume the risk… of surrendering all your possessions to a Plaintiff and declare bankrupty to cover the unpaid portion of a suit?. Alcohol distribution to the general public, and the resulting potential for bodily injury caused by impairment, brings an almost unlimited potential for liability loss. So the answer to the first question can range in the 10s of millions.. If you choose excessively high limits, the premiums for the private bartender enterprise might make the business financially unrealistic. Avoiding the enterpirse as financially unrealistic is not necessarily a bad choice, especially if you have ever seen a businessman faced with the negative result in question #2, after choosing lower limits - or no insurance!. I've seen underinsured business owners of seasoned years forced to protect some few remaining assets by homesteading in Florida. I've seen their ex-wives, long since remarried and living in another state, sued because her ex-husband's limits were insufficient, and at the time of their divorce, when she settled the property to her husband, she "knew or should have known" the "terrible" condition of the property that, 8 years later, resulted in a loss. I do not make these things up.. Court decisions are made by juries. Place the burn victim or the greiving widow and her four children on the stand, and suddenly even "negligence" and "fault" become practically irrelevant. In such realities, the question of "sufficient limits" become very clear.. My choice is to protect myself to 90-95% of the maximum forseeable loss, and if I can't afford it, then I can't rightly afford to be in the business I've chosen.. Less responsible choices exist, which opens the question - feared and unasked by thousands of people as they hire bartenders every day - What are your liability limits? (MORE)
Not for the building fabric - that should be the landlords responsibility, but you would benefit from contents insurance (in case you are robbed etc.).
Yes, in order to purchase wines at cost your business must have an alcohol licence. Wine licenses are only issued by the ABC (alcohol control board) to businesses. There are ways to purchase wines at a discount. If you are purchasing a large amount of wine (what a large amount is depends on the reta…iler). It is always worth asking a retail shop manager or owner if they can bring down the price of something if you purchase a large quantity You would be surprised especially during economically hard times how many wine retailers are already selling wines below cost. (MORE)
Chardonnay is the most popular white dinner wine wine. However, there are many excellent choices, both red and white.
You must either get someone with a car transporter to deliver it or mor usually arrange insurance cover for it on the day/time you purcahse it. You should be able to arrange this in principle with an insurance company and confirm the insurance/purchase by phone when you have struck the deal.
This is somewhat complicated. Each state has laws designating minimal liability insurance. Liability insurance pays for the other vehicle if you were in an accident. Some states are "no fault" which basically means it doesnt matter who is at fault each driver just takes care of the others. . Thi…s is the legal required insurance. . If you finance a new car the lender will most often require you have comprehensive coverage to cover the value of your car. This protects the money they lent you. . So you need to look up your state's liability requirements and possibly meet the lender's requirements as well. (MORE)
Yes, you would want to be covered in the case there was an issue with the the builder and something was missed.
No. But tell your Medicaid agency about this because providers should bill your private insurance first.
I think turkeys should have a small lean-to with a top, atleast. (You're gonna eat 'em any way!) :P
No, you're better off compiling your own. Arc Emu and Mangos are the best projects available.
If you have paid off your mortgage and do not have a lien on the home you are not required to have insurance in most placed. But only a fool would not have basic homeowners insurance even if they were not required to. What if your home burns down?
"Best" is a matter of taste, but cream sherry and port are both excellent after dinner wines.
Anytime you have private medical insurance, you are required to notify them of any other medical coverage you have. So, yes, you do need to notify them if you are now covered under SSI medical.
Is there any custom as to who should express oral thanks on behalf of guests for the hospitality of their hosts at a private dinner party?
Each guest that attends the private dinner party should express their gratitude to the host at a private dinner part. However, with some couples the female often speaks for her spouse as well thanking the host.
Drinking a glass of wine (or beer or distilled spirits) with dinner promotes good health. Drinking alcohol in moderation is now known to be associated with better health and greater longevity than is either abstaining or abusing alcohol. Abusing alcohol for many years can cause health problems … no wine with dinner is not good for health because it can cause brain damage (MORE)
Construction Contractors typically purchase Commercial GeneralLiability Insurance. Other considerations may be company vehicles, equipments, tools,materials and supplies.
grapes are sometimes crushed by trampling them barefoot or by the use of inexpensive small scale crushers. You need bottles and "juice" extracting devices as well as a fermenting station. The amount of wine making equipment depends on your desired quality of wine and you financial budget.
By practical means, yes, renters should have home content insurance. You will want to have coverage for your home if anything disastrous was to occur.
as everything you need insurance to protect you from things that can happen to something so you'll get a reduction on the full price of it. your insurance company will pay for it. you should get home owner insurance to help you in accidents and to be safe.
If a person does not have a job, or if their job does not provide health insurance, then the person might choose to buy private health insurance. It is usually less expensive to purchase health insurance through ones employer, but part time, contingent or contract personnel might not qualify for ins…urance through their employer. It is a good idea to have medical insurance at all times because illness or injury can strike any time and can rapidly become very expensive. (MORE)
We need two important things here: 1. Personal Protection - The case where the policy holder (you and me) is covered for all ailments that involve hospitalization and treatment for the same. The amount that the insurance company would pay would depend on the premium we are willing to pay. This a…mount can be chosen by the insurer (Again you and me) 2. Family Floater Protection - The case where the family members of the policy holder (Wife, kids, dependant parents) are covered for all medical treatments. Again this would depend on the amount of premium we are willing to pay. Note: All the above insurance companies i have mentioned in the previous paragraph provide both these protections. I personally suggest you include family floater protection to ensure that all members of your family have health insurance (MORE)
It depends on what type of repairs you are talking about and what type of insurance you need. I assume that you have been denied insurance due to the condition of the home, right? Talk with your agent or another agent and be up front about the situation. You probably will not be able to purchase hom…eowners insurance but may be able to purchase some other type of insurance on the home while you do repairs. Homeowners is only for a house that you as the owner currently live in and lack of repairs shows the company no "pride of ownership" which is a big deal. If you don't care about the house, this is not one they want to insure. Talk to the agent about the situation and it's best if you deal with an Independent Insurance Agent so that they will have several companies to choose from in helping you. (MORE)
There is, at this time, no governmental licensing system in place in the US for regulating the teaching if private music lessons at home. There are ways of determining the ability of a teacher, for instance, formal degrees in music, ability demonstrated in performance and observed ability to teach d…uring lessons. Since each new teacher has the potential to create an entirely new technique of learning, playing or teaching music to students (as has been done many times before) it makes no sense to license music teachers. Additionally, market factors tend to weed out the bad ones. (MORE)
That depends on what your trying to insure against. There are many types of liability insurance in the market place.
Home insurance protects the owner from catastrophic event. Flood, fire, hail or major storm can cause extreme damage if not totally decimate a home. The costs to repair or rebuild would be so astronomic that most homeowners are simply not in a position to afford.
It depends on if there is a public health system available or not. however if there is not it could mean the difference between life and death.
HSBC provides all kinds of Home Insurance, from basic structural cover to full home and contents. They also offer emergency repair cover as well as specialized landlord cover.
At RIAS we believe that customers who take better care of their home and possessions deserve to be rewarded. That's why we specialise in providing affordable, flexible, Defaqto 5 star rated** home cover for the over 50s. With two decades of experience and nearly a million customers, we're in positio…n to negotiate with selected insurers to provide great value household insurence that you can rely on. (MORE)
Backpackers need travel insurances to cover insurance for the case that someone from the group might hurt someone or a wild animal. It also should cover an emergency service cover.
It is best to insure every car in your collection with full coverage as long as you drive them. If however you don't drive them and they sit in your garage most of the day they should be covered from theft and other serious nature related accidents by your normal insurance.
One will need at least two very large glass vessels with a narrow, but open top to put the liquid in. One puts the grape juice to be fermented in this. One adds yeast, inserts a water trap in a rubber bung, to allow the fermentation gases to esacpe without spoiling the developing wine. One will need… to decant the liquid at least once into a similar container, so a rubber tube is also useful. (MORE)
If you can legally own a home (old enough to sign contracts) you can get eeh insurance, if you don't own one you don't need it
Thats really a matter of personal opinion and choices. But if youhave a mortgage note, you almost certainly need it because it ispart of your mortgage contract that you signed when you took outthe financing on the house. If your home is paid off then it's apersonal decision that the home owner has t…o make for temselves. (MORE)
Home health care is a rapidly growing business as more elderlypersons and their families turn to home care as a means of allowingseniors to remain safely in their own homes and avoid moving tonursing homes or assisted living facilities. If you want to own ahome health care business, be aware that th…ere are many facets tothis industry and government regulations and licensing policies canoften be difficult to navigate. However, with good communicationand dedication to the industry, you can successfully become a homehealth care business owner. (MORE)