Office Insurance at work – a necessity or not?

Office Insurance at work – a necessity or not?
Do you have office insurance? Are you working in a big office and you have no idea if you have office insurance or not? Avoiding lost incomes, business interruptions, computer safety loss, data safety loss, valuable papers loss or anything similar to this can be possible if you get yourself office insurance.  This kind of office insurance will help you sleep better at night knowing you have nothing to lose regarding your work. Yes, it requires a small investment at first, but the benefits of it are amazingly helpful in times of need. Here’s a list of what you might want to need to know in order to convince yourself if insurance is a necessity or not:

Commercial Office Insurance

Fire insurance

Fire is a common damage factor that can result in considerable loss if insurance is not present. A fire insurance contract will protect a company from any kind of malicious damage caused by fire. Explosions started to become popular, especially when it comes to notorious companies that certain people want to see unsuccessful. Not exposing the company to risk means closing an insurance contract as soon as possible. Fire insurance usually includes water insurance too for protection against floods or water pipe explosion or overflowing. There are specific insurance packages for earthquakes, hurricanes or other kind of windstorms.

Business interruption

If a certain event happens and a company is not able to pay its employees, then the insurance will do it for you for a specified period of time. Loss of profit is often the main cause of not being able to pay all your employees and that’s why business interruption insurance saves the company when needed. Costs of working happen to raise without any kind of warning and that can completely mess up your financial routine.

Public liability

Usually, when third party property occurs in solving an issue, they might require a certain compensation that needs to be paid. You won’t have to worry about that as long as you own public liability insurance. Property or physical damage (even death) are covered by this type of insurance and the costs of any legal liability is being covered by the assurance itself.

Professional indemnity

When troubled by legal liabilities because of employees of your company, having a professional indemnity means your employees work in a certain field that cannot be denied. No matter if we are talking about secretaries, architects or any other type of profession, having this assurance for your company will save you from nights without sleep.

Fidelity guarantee

This is a type of office insurance that big companies often use for making sure that their employees will keep the secrecy and fidelity to their employer. When the fidelity guarantee is broken, the service provider will cover every loss (doesn’t matter if it is monetary or physical) resulting from the actual mistake or dishonest acts. This comes in extremely handy when a company provides sensitive information that shouldn’t be spoiled by the employees. This way the company is making sure their information is secured and no loss is involved.
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How to protect your new car with auto insurance Knoxville

auto insurance Knoxville

How to protect your new car with auto insurance Knoxville
If you buy your auto insurance Knoxville, Tennessee from us then you know how important it is to protect your recently purchased items. There are things that will make you worry about your property immediately after you bought them. Relaxing and taking your mind off it is not a solution, knowing that at any given moment something horrible can happen. These feelings accentuate the moment when you buy something extremely expensive as a car.
Cars require protection nevertheless, but how do you grant it without spending a fortune and reaching bankruptcy? Well, the answer is simpler than you thought: auto insurance Knoxville. If there is one thing you can do to sleep better at night without thinking what else can happen with your car while you are not next to it, then you have an issue that needs solving right away. auto insurance Knoxville, Tennessee is one of the many places where you can find service packages for your car. Here’s a list with the main things you need to follow before doing anything else:

In case you will be going to destroy your brand new car right after you’ve bought it (who has this kind of bad luck?) there is a certain type of insurance which allow the complete replacement of the value of your car. You may be wondering how this works and the answer is as simple as the question itself: if your car gets permanently stolen and you can’t recover it, then the assurance company is going to pay for your car. The exact value of your car will be repaid for you in cash. Not all companies offer that kind of service, though, so read carefully the terms and conditions of the contract you will be signing.
Animal damage
Everyone knows how extremely unpredictable animals can be. No matter we are talking about domestic or wild animals, driving a car next to them means exposing to a risk of collision. Checking out if the service you want to use offers comprehensive coverage which includes this type of incidents is ideal. It would be a shame if a new car was hit by a running horse on your road trip to country side, right? Driving on a road through the woods means you will be seeing deer and moose quite often.
Foreign travelling
When going away from your country, travelling insurance is paramount. But not only health travelling insurance, but car insurance too, because it is possible – and recommended – to purchase a foreign travelling package before you leave. This way you are making sure your car and maybe even driving license will be safe while you are driving on foreign roads.
All in all, having auto insurance Knoxville is definitely recommended, no matter the purpose you are investing in it for. It will come in handy when you least expect it and a new car requires it. Don’t rush taking such decision and take your time analysing each and every option you have. Take care of your brand new items and not only.
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Workers Compensation – Basic laws every employee should know

Workers compensation Knoxville

Workers Compensation Knoxville
Basic laws every employee should know
As employees, workers compensation is important to us, and each of us has a number of rights, guaranteed by Constitution or other normative acts. These worker’s rights are designed in a manner in which to assure fair payment and prevent abuses. But unluckily, not all employees are completely aware in terms of employment laws and regulations, which turns them into victims of the system. For instance, many are unaware that they are entitled to workers compensation insurance, and this turns them into victims of medical bills and lack of salaries. Especially immigrants that decide to stay and work on US territory are more likely to become victims, as they are unaware of the rights they have. Below are some laws with which all workers should be familiar.

1. They have the right to receive a workers compensation insurance
Employee’s health at the workplace is protected by Occupational Safety and Health Act in the ‘70s, when lawmakers introduced an act to protect workers from work-related accidents. This is how safety standards at the work place appeared, and how the number of work-related accidents dropped dramatically on the US territory. However, in certain cases, accidents may appear, and some employers offer workers compensation insurance policies, with the sole condition not to sue the employer. This policy covers all medical bills that emerge from the accident, and makes it possible for the employer to pay the employee’s off days. This is what we find in many places under the name of a workers compensation bargain”.
2. The Family and Medical Leave Act
Signed in 1993 by the president Bill Clinton, the Family and Medical Leave Act allows every employee to receive up to 12 unpaid weeks to take care of their health and for fresh parents, to bond with their children. Also, they will benefit from employee health benefits during this time. Also, the Act allows employees to take protected leave if the situation of an ill spouse, ill child, child adoption or birth occurs.
3. The Civil Rights Act
It appeared in 1964, and it was an introduction to the continuously increasing number of employees. This Act also puts the base of civil rights, making it illegal to discriminate based on someone’s skin color. Moreover, the Act protects against discrimination between men and women, and promotes equal pay for equal jobs. This is however, frequently misjudged in our days, many suing for discrimination at the workplace by various activists. Needless to say, these individuals are not judging the wages depending on these coordinates and invoke the so-called “wage gap”. Moreover, this Act protects the pregnant women, and disabled against discrimination in the labor field.
These are three of the most important laws that protect employees and employers from abuses and that regulate the labor field in the United States. These should be starting points for both employers and employees, because, for instance, offering a workers compensation insurance policy will protect the employer against former employees suing, let’s say. However, you must make sure that you select carefully the policy provider.
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Bond Insurance – IRM Insurance Knoxville

All about Bond Insurance
BY IRM Insurance Knoxville Tennessee
What is Surety / Bond Insurance? Why do I need Surety/ bond insurance? Is their cheap Bond /Surety Insurance? What does Bond Insurance (surety) Cover? What companies write Bond Insurance? Where do I get bond insurance in Tennessee? Who sales Bond Insurance in Tennessee? When can I get bond insurance Issued? IS bond Insurance and surety insurance the same thing? What if my surety/bond insurance cancels?  How do I get bonded?

Bond Insurance or Surety Insurance is a”financial guaranty insurance. Bond Insurance or surety insurance is where an insurance company will guarantee a payment of various interest and principal on bond or another security.  The guarantee in security is in an event if a payment is defaulted by the issuer of the bond.
There are many different types of bond insurance (surety insurance) provided by IRM Knoxville.  Many different business services would use a bond such as

Contractors (plumbing, electrical, residential, driveway, drywall, hvac, air conditioners, painters, lawn service, tile installation
Janitorial services
Pest control services
Maid service
Pool cleaning
Security guard
Carpet cleaning
Window gutter cleaning
Moving companies

Along with many other classes of business- a business would use a variety of bond insurance in Tennessee.  A few of the types of bonds that IRM Knoxville Tennessee offers are

Court and judicial bond- this is a bond that guarantees awards or compliance with court rulings. This includes appeals, attachment, cost, receiver, and injunction and replevin bonds.
License and permit bonds- this is a bond that guarantees business compliance with laws and regulations such as an auctioneer, contractor’s license, highway permit, insurance broker, motor vehicle dealer, mortgage broker, liquor bond and detective bond. Any businesses licensed by Tennessee or a county in Tennessee and city government to operate may need a license and permit bond.
Probate bond and fiduciary bond- this type of bond guarantees faithful performance so the interest of those concerned will be safeguarded. An administrator, conservator, executor, guardian and trustee bond are available.
Fidelity bond-ERISA bond this is a bond that any business may need. It protects the employer against a dishonest act by an employee paying for loss of money or other property, real or personal.
Notary E & O- this bond provides protection for a notary for any negligent act or error/omission arising out of performance for service for others. Any business that employs notaries would need notary e & O
Public official bond- this is a type of bond that guarantees official will faithfully perform all duties and outlined honesty. Such as clerks, notary publics, treasurers, tax collectors, deputies and sheriffs would need public official bond insurance. IRM Insurance provides these bonds
Contract bonds- this bond is also called bid bond, performance bond payment bond. These bonds guarantee to the owner/oblige that the bonded principal will perform according to the terms of a contract.  There are many types of contract bonds.  Janitorial service supply contracts, and bonds covering maintenance after the completion of the job.
Supply & service contractors bonds-supply contractors provide supplies or materials such as chemicals, lumber, salt for roads. This bond guarantee the service is going to be performed

At IRM Insurance Knoxville we understand that each business has specific bonding needs unique to the class of work they perform, their location and the market conditions.  We have the companies that can write these bonds and have the expertise and capacity to write any type of bond in Tennessee.  Through our district and dedicated team at IRM Insurance, we can find the best bond to help your business succeed. Get your free quote now! 
Form the first bond to a a large capacity bond, we are ready to adapt and grow as your business grows.  Our streamlined processes, responsive service and consistent team are designed to provide stable bond/surety capacity.  IRM Insurance Knoxville Tennessee differentiate ourselves from other bond agents by providing local service and quick turnaround.  We have the best agency team in place to meet your needs at IRM Insurance Knoxville for Bond Insurance.  Call us today at 865-579-0500 , visit our website – click here or visit one of our locations- 11470 Parkside drive, suite 300, Knoxville, TN 37934 or 1713 commons point drive, bld. 5, suite 201, Knoxville TN 37932 Also, we are endorsed local providers recommended by Dave Ramsey. Find us here

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Boat Insurance in Knoxville has never been easier

Boat Insurance Knoxville

Best Boat Insurance Knoxville with IRM Insurance
IRM insurance Knoxville Tennessee has the best boat insurance Knoxville available.  IRM boat Insurance Knoxville has many different companies. IRM Insurance Knoxville can shop for you the cheapest boat insurance at the lowest possible cost while giving you the very best boat insurance coverage.  IRM Insurance Knoxville Tennessee can give you a free quote on your boat insurance.
IRM boat Insurance Knoxville Tennessee knows how to write boat insurance.  Boat Insurance Knoxville was one of the first types of insurance available and created.  Ancient sailors figured out that they needed some type of coverage and protection for their most valuable asset- A boat – Thus creating boat insurance.
IRM boat Insurance Knoxville knows there are many factors involved in writing your boat insurance.  The type of boat involved, what you are doing with the boat and where you have the boat, how many months of the year the boat is used.
Irm boat insurance Knoxville Tennessee can help you determine the right boat insurance for your needs. There are many coverages in boat insurance.
Physical damage on the boat insurance-  This covers the boat and parts itself in the event of a collision or loss.  Boat Insurance includes the boat motor, hull, contents on the boat, boat trailer.
Liability Insurance on the boat insurance Knoxville policy covers in the event the boat causes injury to others or damage to any other boat, structures, dock, etc.  This can be due to actual direct contact or indirect contact caused by your boat. Boat Insurance includes property damage liability for damage to other boats.  IRM boat Insurance Knoxville Tennessee knows that a great liability policy on boat insurance can provide you protection against a lawsuit and payment of any settlement, or legal fees.
Comprehensive Boat Insurance Knoxville covers you in the event of a covered Peril.  This would include Fire, lightning, Wind along with other perils including if your boat is lost or stolen.
Other coverages include towing coverage and equipment in your boat for boat insurance.  IRM Insurance Knoxville offers many different discounts associated with your boat insurance to make the boat insurance pricing the lowest price in Knoxville Tennessee are.
Irm Insurance Knoxville knows how to provide the cheapest quote for boat insurance.  IRM boat Insurance Knoxville Tennessee also provides the best possible service in the Knoxville Tennessee area including Morristown, Dandridge, Jonesborough, Kingsport, Johnson city, Maryville, Cookeville, Crossville, Knox County, Davidson County, Tazewell Tennessee areas.  Call us today at 865-579-0500 or visit our website – click here –  for a free quote.  IRM Knoxville Tennessee has multiple locations where you can stop by and visit for the cheapest quote anytime.  11470 parkside Drive, Suite 300, Knoxville TN 37934   or 1713 Commons Point Drive Bld5 Suite 201 Knoxville TN 37932.
IRM Insurance Knoxville Tennessee looks forward to helping you with all of your boat insurance Knoxville needs. Happy Boating. Also, we are endorsed local providers recommended by Dave Ramsey. Find us here

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Best Knoxville Restaurant Insurance

Knoxville Restaurant Insurance

IRM Insurance has the Best Knoxville Restaurant Insurance
IRM Insurance has the Best Knoxville Restaurant Insurance Coverage. At IRM insurance, we believe in Knoxville Restaurant Insurance and offer the best coverage at the lowest possible cost.  IRM Insurance has many different specialty programs we offer.  Our Knoxville Restaurant Insurance program is the best in Knoxville, TN. We have several carriers that add many extra coverages into the BOP. A BOP is a business owners policy for restaurants. This would include many different eating & drinking establishments, fast food establishments, banquet halls, delis, pizza parlors, catering.  The Knoxville Restaurant Insurance coverage is tailored to meet your needs which can include

24 hour operations
amusement devices
beer,wine and liquor
bouncers or doorman
happy hour
banquet halls
cyber liability
commercial automobile
hired & non-owned Auto
inland marine
workers comp.

Owning and operating a restaurant requires the best possible insurance for your business. IRM Insurance Knoxville Tennessee has many years of experience writing and underwriting Knoxville Restaurant Insurance policies.  We can guide you to the best coverage with a free quote if you own a fine dining restaurant, fast food restaurant, deli, catering, banquet hall, pizza parlor or any delivery food outlet.  We can protect your refrigerated foods and offer loss of income in the event of a loss.  Our free quote for restaurant business owner’s policy (BOP) can include coverage for your valuables inside the building (business property), your building, your commercial automobiles and your employees for workers compensation.  IRM Insurance Knoxville Tennessee will also provide you a free quote for all your insurance needs.
Our companies that specialize in Knoxville Restaurant Insurance programs are a rated such as Auto Owners, Grange, State Auto, Guard, Hartford and Travelers. Give IRM Insurance Knoxville Tennessee a call for all  your restaurant needs at 865-579-0500 or visit our website at  and we will be happy to walk you through your custom restaurant quote.

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Understanding Knoxville Condo Insurance

condo insurance Knoxville Tennessee

Knoxville Condo insurance is often confusing to many people. Many homeowners fail to realize the need to have a separate condo policy. This is apart from the building insurance coverage often referred to as the master policy. It is important to understand that the master policy only covers the common areas. The building insurance does not cover damage to your individual unit.
The need for condo insurance in Knoxville TN
Interior unit damage

As the owner, you are responsible for your personal unit and fixtures such as appliances, cabinets, and lighting. The kind of HOA master policy coverage you have will determine whether you need a separate policy or not. If the HOA has the “all-in” coverage, then this means that the policy will cover items such as lighting, cabinetry, fixtures, plumbing and wiring in your individual unit. However, if the master policy is a “bare walls” cover, then the owner will need a separate condo insurance policy.Theft of personal belongings
The HOA policy does not offer compensation for personal belongings such as clothing, computers and other personal gadgets. Personal condo insurance in Knoxville TN provides a cover for personal items that are stolen in your home.
Injury of a guest in your house
If a visitor falls or trips inside your unit or in staircases in your unit, the personal condo insurance will cover the medical bills and any other liability costs (up to the limits of the policy). The same applies in the event of a fire in your unit. The insurance for condo owners may also provide coverage for housing expenses.

Factors that may affect Knoxville condo insurance quotes

There are several factors that may affect the premium rates offered by different providers, among them:
• Condo construction materials
• Deductible amount
• The limit on your HOA master policy
• Coverage options
When searching for insurance for condo owners, it is important to remember that there are certain things that are not covered. Condo insurance in Knoxville TN policies will often exclude things like earthquakes, floods, nuclear hazards, intentional hazards, wear and tear and damage from underground sewers. Be sure to discuss the specifics of your policy with one of our team members.
There are many insurance companies out there that offer condo insurance.  To get the best deals in the market, you need to take the time to compare Knoxville condo insurance quotes. For the best possible deal we recommend working with an independent insurance agency like ours.

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