Experience the Ultimate Retro Vibes with the Lámpago Electric Trike!

Experience the Ultimate Retro Vibes with the Lámpago Electric Trike!

Posted on by Shield Insurance Agency

Shield Insurance Blog | Only Good News Daily | Electric Trike | Auto Insurance | Start a Quote Today!

The fun-looking short-haul ride merges urban e-trike vibes with a vintage micro-car design, offers luxury seating for two, a bunch of branded accessories, and even includes a spare tire mounted to the back.

It’s Lámpago first electric vehicle and looks perfect for an emissions-free drive to the beach or grocery store. The vehicle lacks pedals but rides as a moped in Europe – which may require an appropriate permit – throttling up to 25 km/h (15.5 mph). So, not a speedy mode of transport but, if the sun’s out, and you haven’t got far to go, who cares?

Electric Trike

It has a relatively small battery that’s good for between 30 and 50 km (19 – 31 miles) every three hours on a charge, and anyone who wants one can choose from a range of body and fabric colors.

Elsewhere, there’s a digital dash at the center of the motorcycle-style handlebar, with an analog timepiece underneath, a funky LED headlight rising out of the hood, and a bunch of accessories such as a branded umbrella, thermos flask, and key holder.

Lámpago, based in Turkey, says export pricing starts at US$10,860. The video below offers brief a look around.

Click here to see the Electric Trike story

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Business Owners: The Surprising Ways BOP and General Liability Differ

Business Owners: The Surprising Ways BOP and General Liability Differ

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Shield Insurance Blog | Business Owners | Business Insurance | Start A Quote Today!

How is a Business Owners Policy (BOP) Different from General Liability?

When it comes to protecting your business, insurance is a must. However, with so many different types of insurance policies available, it can be confusing to determine which one is right for you. Business owners often consider two common types of insurance: a Business Owners’ Policy (BOP) and General Liability insurance. While they may seem similar, there are some key differences between the two. In this blog post, we will explore how a BOP differs from general liability and help you understand which one may be the best fit for your business.

What is a Business Owners Policy (BOP)?

A Business Owners Policy, or BOP, is a comprehensive insurance package for small to medium-sized businesses. It combines several types of coverage into one policy, providing a convenient and cost-effective solution for business owners. A BOP typically includes property, liability, and business interruption insurance.

What Does a BOP Cover?

A BOP provides coverage for a wide range of risks that businesses commonly face. Here are some of the key coverages included in a typical BOP:

1. Property Insurance: This coverage protects your business property, including buildings, equipment, inventory, and furniture, against damage or loss caused by fire, theft, vandalism, or other covered perils.

2. Liability Insurance: Liability insurance protects your business from claims of bodily injury or property damage caused by your products, services, or operations. It also covers legal fees and settlements if you are sued.

3. Business Interruption Insurance: If your business is forced to temporarily close due to a covered event, such as a fire or natural disaster, business interruption insurance can help cover lost income and ongoing expenses, such as rent and payroll.

What Isn’t Covered by a Business Owners Policy?

While a BOP provides comprehensive coverage, there are some risks that are typically not covered. These may include:

  • Professional Liability: If your business provides professional services, such as consulting or advice, you may need a separate professional liability insurance policy to protect against claims of negligence or errors.
  • Workers’ Compensation: If you have employees, you are required by law to carry workers’ compensation insurance, which provides coverage for medical expenses and lost wages if an employee is injured on the job.
  • Auto Insurance: If your business owns vehicles or if employees use their personal vehicles for business purposes, you will need a separate commercial auto insurance policy to cover accidents and liability.

What Other Types of Coverages Are Needed?

In addition to a BOP, there are several other types of insurance coverage that may be necessary depending on the nature of your business. These may include:

  • Professional Liability Insurance: This coverage is essential for businesses that provide professional services, such as doctors, lawyers, or architects. It protects against claims of negligence, errors, or omissions.
  • Cyber Liability Insurance: In today’s digital age, businesses are increasingly vulnerable to cyber threats. Cyber liability insurance provides coverage for data breaches, cyberattacks, and other cyber-related risks.
  • Employment Practices Liability Insurance: This coverage protects your business against claims of wrongful termination, discrimination, harassment, or other employment-related issues.

Do You Need a Business Owners Policy?

Whether or not you need a BOP depends on the size and nature of your business. If you are a small to medium-sized business owner, a BOP can provide comprehensive coverage at an affordable price. It offers convenience by combining multiple coverages into one policy, saving you time and money. However, if your business has unique risks or requires specialized coverage, you may need additional policies to ensure adequate protection.

What Types of Businesses Are Eligible for a Business Owners Policy?

A BOP is typically designed for small to medium-sized businesses that operate in low-risk industries. Some examples of eligible businesses include retail stores, restaurants, offices, and small manufacturing operations. However, eligibility requirements may vary depending on the insurance company, so it’s best to consult with an insurance agent to determine if your business qualifies for a BOP.

What Does a Business Owners Policy Cost?

The cost of a BOP depends on several factors, including the size of your business, the industry you operate in, and the coverage limits you choose. On average, a BOP can cost anywhere from a few hundred dollars to several thousand dollars per year. To get an accurate quote for your business, it’s best to contact an insurance agent who can assess your specific needs and provide you with a customized quote.
In conclusion, a business owner’s policy (BOP) and general liability insurance are two different types of coverage that offer varying levels of protection for your business. While a BOP provides comprehensive coverage for property, liability, and income, general liability insurance specifically covers claims of bodily injury, property damage, and personal injury.

It’s important to assess your business’s specific needs and consult with an insurance agent to determine the appropriate coverages for your situation. Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote tailored to your business’s needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Understanding matresence – the word every new mother needs to know

Understanding matresence – the word every new mother needs to know

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Positive.News | by Lucy Jones | August 2, 2023 | matresence | Health Insurance | Start A Quote!

During pregnancy and early motherhood, women undergo seismic psychological and physiological changes, yet this life-altering transition is neglected by society. Now the emerging concept of ‘matresence’, like adolescence, is opening up a new conversation about the bind of modern motherhood, helping to birth a new mothering culture

Before I had my first child, I had little idea about what becoming a mother would entail. I thought pregnancy was a straightforward physical process with a few ‘hormonal’ days. I thought that I would still be the same person when she was born. The experience of motherhood from a mother’s perspective hadn’t interested me before, I thought it was boring, banal. The proper work happened in an office. Most of us regard it this way: just look at that prefix in “just a stay-at-home mum”. I was overjoyed to be pregnant, but I realized, as the baby grew, that I had picked up strange notions about the value of the work of mothering. It’s no surprise: care work in our society is undervalued, unsupported, and disavowed.

In fact, it would be the wildest, hardest, most enlivening, and extreme psychological, existential, social, physical, and socio-political experience of my life.

When the baby was born, I had an uncanny sense that the old me was dead. I found this disturbing. I had gone, but I didn’t know where. My brain and patterns of thought felt different as if I had been rewired. I was expected to breeze through new motherhood, to ‘bounce back’ and crack on as normal. But I felt as if I’d been cracked open. After a gnarly birth and struggles with breastfeeding, hardcore sleep deprivation and the stress of looking after a newborn, mostly on my own – as is the way in our society – began to take a toll on my mind. But I was told to enjoy every minute. What on earth was wrong with me?

Around that time, I happened upon a word in an article written by a reproductive psychiatrist called Alexandra Sacks. It brought together everything I was feeling. Matrescence.

“The process of becoming a mother, which anthropologists call ‘matrescence’, has been largely unexplored in the medical community,” Sacks wrote. The word was like adolescence, and described the emotional, physical, and identity changes having a child triggers.

The idea that what I was feeling was normal filled me with relief. As a science journalist, I started to research the new and growing field of the parental brain. I was shocked by what I found.

Neuroscientists have found that the impact of pregnancy on the brain
is as significant as the impact of adolescence

After childhood and adolescence, there is no other time in an adult human’s life course that entails such dramatic psychological and physical change as matrescence.

In a landmark study published in Nature in 2016, researchers provided evidence, for the first time, that pregnancy renders pronounced changes in brain structure. Soon after, neuroscientists found that the impact of pregnancy on the brain is as significant as the impact of adolescence.

I learned about ‘zombie cells’. During pregnancy, cells are exchanged between the mother and foetus via the placenta. When the baby is born, some of those cells remain intact in the mother’s body. For decades. Perhaps forever. The phenomenon is called microchimerism. The exchange creates what leading geneticist Dr. Diana Bianchi calls a “permanent connection which contributes to the survival of both individuals.”

Click here for the full story on Understanding matresence..

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Understanding Michigan State Short-Term Disability Insurance: Everything You Need to Know

Short-Term Disability Insurance: Everything You Need to Know in Michigan

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Shield Insurance Blog | Short-Term Disability Insurance | Start A Quote Today!

What is Michigan State Short-Term Disability Insurance?

Short-term disability insurance is designed to provide income replacement for individuals who are unable to work due to a temporary disability. This type of insurance coverage typically lasts for a specific period, usually up to six months, and provides a percentage of the individual’s pre-disability income.

What Does Short-Term Disability Insurance Cover in Michigan?

Short-term disability insurance in Michigan covers a wide range of health conditions that prevent individuals from working. These conditions can include illnesses, injuries, surgeries, and mental health disorders. However, it is important to note that not all health conditions are covered under short-term disability insurance. Certain pre-existing conditions may be excluded from coverage.

How Does Short-Term Disability Insurance Work in Michigan?

In Michigan, short-term disability insurance is typically provided through an employer-sponsored group plan or purchased individually. When an individual becomes disabled and is unable to work, they must file a claim with their insurance provider. The insurance provider will review the claim and determine if the individual meets the criteria for disability benefits. If approved, the individual will receive a percentage of their pre-disability income for the duration of their disability.

What Health Conditions are Included and Categorically Excluded?

Short-term disability insurance in Michigan covers a wide range of health conditions, including but not limited to:

– Illnesses such as cancer, heart disease, and diabetes

– Injuries such as broken bones, sprains, and concussions

– Surgeries such as joint replacements, hernia repairs, and appendectomies

– Mental health disorders such as depression, anxiety, and bipolar disorder

However, certain health conditions may be categorically excluded from coverage. These can include pre-existing conditions, self-inflicted injuries, and disabilities caused by illegal activities.

What are the Significant Terms to Remember?

When it comes to short-term disability insurance in Michigan, there are several significant terms to remember. These include:

– Elimination period: This is the waiting period before disability benefits begin. It is typically a specified number of days after the disability occurs.

– Benefit period: This is the length of time that disability benefits will be paid. It is usually up to six months but can vary depending on the policy.

– Benefit amount: This is the percentage of the individual’s pre-disability income that will be paid as disability benefits. It is typically around 60-70% of the individual’s income.

More About Short-Term Disability Insurance

Short-term disability insurance provides individuals with financial protection during a temporary disability. It can help cover expenses such as medical bills, mortgage or rent payments, and daily living expenses. It is important to carefully review the terms and conditions of a short-term disability insurance policy to ensure that it meets your specific needs.

Can I Get Temporary Disability After Surgery?

Yes, short-term disability insurance can provide coverage for individuals who are unable to work due to surgery. Whether it is a minor procedure or a major surgery, short-term disability insurance can help replace a portion of the individual’s income during their recovery period.

What are the Common Procedures that Lead to Short-Term Disability?

Several common procedures can lead to short-term disability, including:

– Joint replacements: Procedures such as hip or knee replacements can require a significant recovery period and may result in temporary disability.

– Hernia repairs: Hernia repairs can be a major surgery that requires time off work for recovery.

– Appendectomies: An appendectomy is the surgical removal of the appendix and can result in a temporary disability.

What are the Options After Wrongful Disability Denials?

If an individual’s short-term disability claim is wrongfully denied, there are options available to appeal the decision. It is important to gather all relevant medical documentation and evidence to support the claim. Seeking legal advice from an experienced attorney specializing in disability insurance can also be beneficial in navigating the appeals process.

What are the Common Red Flags that Indicate Bad-Faith Delays or Wrongful Denials of Disability Coverage?

Several common red flags may indicate bad faith delays or wrongful denials of disability coverage. These can include:

– Unreasonable delays in processing the claim

– Inconsistent or contradictory reasons for denial

– Failure to provide a clear explanation for the denial

– Ignoring or misrepresenting medical evidence

– Failing to consider all relevant information

If any of these red flags are present, it may be necessary to seek legal assistance to ensure that the individual’s rights are protected.

Shield Insurance Agency Represents Over 40 Insurance Companies

Shield Insurance Agency is a trusted insurance agency that represents over 40 insurance companies. They specialize in providing individuals with the best insurance coverage options to

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Loss Ratio Can Drastically Affect Business Insurance Premiums

Loss Ratio Can Drastically Affect Business Insurance Premiums – Don’t Miss Out!

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Shield Insurance Agency Blog | Loss Ratio | Start A Quote Today!

When it comes to business insurance, one of the key factors that affect your premiums is your loss ratio. But what exactly is a loss ratio? In simple terms, it is the ratio of the losses you have experienced to the premiums you have paid. It is a measure of how much you have claimed from your insurance company compared to how much you have paid in premiums.

Commercial Insurance

For businesses, the loss ratio is an important metric that insurance companies use to determine the risk associated with insuring your business. A high loss ratio indicates that your business is more likely to make claims, which means that the insurance company will have to pay out more in claims. As a result, they will charge you higher premiums to compensate for the increased risk.

How a Loss Ratio Works

To understand how a loss ratio works, let’s consider an example. Let’s say your business paid $10,000 in premiums over the course of a year, and during that same year, you made claims totaling $5,000. In this case, your loss ratio would be 0.5, or 50%. This means that for every dollar you paid in premiums, you claimed 50 cents.

Loss Ratio vs. Benefits-Expense Ratio

It’s important to note that the loss ratio is different from the benefits-expense ratio. While the loss ratio measures the claims you have made compared to the premiums you have paid, the benefits-expense ratio measures the benefits paid out by the insurance company compared to the expenses incurred by the insurance company.

Deductible

Another factor that affects your loss ratio is the deductible. The deductible is the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible means that you will have to pay more out of pocket for each claim, which can lower your loss ratio. On the other hand, a lower deductible means that you will have to pay less out of pocket for each claim, which can increase your loss ratio.

Affordable Protection for Your Business and Family

Understanding how your loss ratio affects your business insurance premiums is crucial for ensuring that you have affordable protection for your business and family. By maintaining a low loss ratio, you can demonstrate to insurance companies that your business is a low-risk investment, which can result in lower premiums.

Shield Insurance Agency represents over 40 insurance companies, which means that we can help you find the best coverage at the most affordable price. Our experienced agents will work with you to assess your needs and find the right insurance policy for your business. Whether you need general liability insurance, property insurance, or workers’ compensation insurance, we have you covered.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We understand that every business is unique, and we will tailor our services to meet your specific needs. Don’t let high insurance premiums eat into your profits. Let Shield Insurance Agency help you find affordable protection for your business and family.

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The Ultimate Guide to Walking: All Your Questions Answered!

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Shield Insurance Blog | Walking | Health Insurance | Start A Quote Today!

Your Top Walking Questions — Answered!

Walking is a fantastic form of exercise that is accessible to almost everyone. It’s low-impact, easy to do, and can be done anywhere, anytime. But like any form of exercise, there are often questions and uncertainties that arise. In this blog post, we will answer some of the most common questions about walking to help you get the most out of your walking routine.

1. Should I carry weights to burn more calories?

Carrying weights while walking can increase the intensity of your workout and potentially burn more calories. However, it’s important to use caution when adding weights, as they can put strain on your joints and muscles. Start with lighter weights and gradually increase the load as your strength improves. It’s also a good idea to consult with a fitness professional to ensure you are using proper form and technique.

2. How fast should I walk?

The speed at which you walk depends on your fitness level and goals. A brisk pace is generally recommended for cardiovascular benefits. Aim for a pace where you can still carry on a conversation but feel slightly breathless. If you’re just starting out, start with a comfortable pace and gradually increase your speed over time.

3. Do I really need to lug a bottle of water with me during a long walk?

Staying hydrated is important, especially during longer walks or in hot weather. While it may be tempting to skip carrying a water bottle to lighten your load, it’s essential to have access to water to prevent dehydration. Invest in a lightweight, portable water bottle that you can easily carry with you.

4. Is walking as good as other forms of cardiovascular exercise?

Walking is an excellent form of cardiovascular exercise that offers numerous health benefits. It can improve heart health, strengthen muscles, and help with weight management. While other forms of exercise may have their own advantages, walking is a great option for people of all fitness levels and ages.

5. Which is more beneficial: walking outside or using a treadmill indoors?

Both walking outside and using a treadmill indoors have their advantages. Walking outside allows you to enjoy fresh air, nature, and changing scenery. Treadmills, on the other hand, provide a controlled environment and allow you to easily track your speed, distance, and other metrics. Ultimately, the choice between the two depends on personal preference and convenience.

6. What’s the best time of day to walk?

The best time of day to walk is whenever it fits into your schedule and you can commit to it consistently. Some people prefer to walk in the morning to kickstart their day, while others find that an evening walk helps them unwind. Experiment with different times of day to find what works best for you.

7. Should I eat before I walk?

It’s generally recommended to have a light snack or meal before walking, especially if you’re planning a longer or more intense walk. This will provide your body with the necessary fuel to sustain your activity. Opt for a balanced meal or snack that includes carbohydrates for energy and protein for muscle repair.

8. What’s the simplest way to determine how fast I’m walking?

The simplest way to determine your walking speed is to use a pedometer or a fitness tracker that measures your steps and distance. These devices can provide you with valuable information about your walking pace and progress.

9. How many calories do I burn by walking a mile?

The number of calories burned while walking a mile depends on various factors such as your weight, walking speed, and terrain. On average, a person weighing around 150 pounds can burn approximately 100 calories by walking a mile at a moderate pace.

10. My walking shoes have two sets of eyelets. Which should I use?

The choice of eyelets depends on your foot shape and comfort. Experiment with both sets of eyelets to find the lacing pattern that provides the best fit and support for your feet.

11. I walk early in the morning, so my walking shoes always get wet. They’re still damp the next day when I go to put them on. Any suggestions?

To dry your walking shoes more quickly, remove the insoles and place them in a well-ventilated area. Stuff the shoes with newspaper or use a shoe dryer to absorb moisture. Avoid direct heat sources like radiators, as they can damage the shoes.

12. When should I get new shoes?

It’s recommended to replace your walking shoes every 300-500 miles or every 6-12 months, depending on your walking frequency and the wear and tear on the shoes. Inspect your shoes regularly for signs of wear, such as worn-out soles or decreased cushioning.

13. How can I evaluate my fitness level as a walker?

There are several ways to evaluate your fitness level as a walker. You can track your walking speed, distance, and time to monitor your progress over time. Additionally, you can perform a walking test, such as the 6-minute walk test, to

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Thriving Through Turbulence: How Commercial Insurance Protects Your Michigan Business

Thriving Through Turbulence: How Commercial Insurance Protects Your Michigan Business

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Shield Insurance Blog | Commercial Insurance | Meet TJ | Start A Quote Today!

Michigan’s businesses face a variety of daily challenges that can negatively impact their businesses. Commercial insurance helps Michigan business owners protect their most important investments. 

How Your Business Can Thrive Through Turbulence

Smart business owners mitigate the challenges that affect business growth, operations, and financial stability by investing in business insurance. 

Why Michigan Businesses Need Commercial Insurance 

When businesses experience financial turbulence, business insurance acts as a shield to safeguard your business against turbulence. For example, unexpected events like floods or natural disasters can end a business without commercial insurance. 

Michigan Commercial Insurance Coverages

Business insurance policies provide a financial security blanket that shields Michigan business owners from loss. 

Legal Disputes

Commercial insurance helps to protect Michigan business owners when legal disputes about business operations, products or services. 

Lawsuits

Avoid paying out-of-pocket if your business is sued by a customer, vendor, or partner. 

Workers Compensation Claims

Do you have workers injured on the job? Protect your business from work stoppage when workers’ compensation claims threaten your bottom line. 

Slip and Fall Accidents

Accidents happen, and when accidents happen on your business property, the results can be costly. Shield your Michigan business from loss with a protective policy. 

Not sure which commercial insurance plan is right for you? Talk to the Michigan business insurance experts at Shield Insurance Agency. 

Get Commercial Insurance in Michigan!

Our knowledgeable insurance agents can walk you through the steps to choose the best business insurance policy to protect your business assets in Michigan. We can also talk to you about bundling your business insurance policy with other forms of business insurance to best meet your needs. Contact Shield Insurance Agency for a quote today!

Shield Insurance Agency represents over 40 insurance companies. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Unveiling the Hidden Secrets: General Liability vs. Professional Liability - Which One Protects You Better?

Unveiling the Hidden Secrets: General Liability vs. Professional Liability – Which One Protects You Better?

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Shield Insurance Blog | General Liability vs Professional Liability | Start A Quote Today!

What is the difference between general liability and professional liability?

When it comes to insurance, there are many different types of coverage available to protect individuals and businesses from various risks and liabilities. Two common types of insurance that often get confused are general liability insurance and professional liability insurance. While they may sound similar, they actually serve different purposes and cover different areas of risk. In this blog post, we will explore the differences between general liability and professional liability insurance, as well as their similarities and benefits.

What is general liability insurance?

General liability insurance is a type of coverage that provides protection for businesses against claims of bodily injury, property damage, and personal injury. It is designed to cover the costs associated with legal defense, settlements, and judgments that may arise from these types of claims. General liability insurance is typically purchased by businesses to protect themselves from accidents or incidents that may occur on their premises or as a result of their operations.

What does general liability insurance pay for?

General liability insurance pays for a variety of expenses related to claims made against a business. This can include medical expenses for injuries sustained by third parties, repairs or replacement of damaged property, legal fees, and settlements or judgments awarded to the injured party. It can also cover advertising injuries, such as defamation or copyright infringement, and certain types of personal injuries, such as false arrest or invasion of privacy.

What is professional liability insurance?

Professional liability insurance, also known as errors and omissions insurance, is a type of coverage that provides protection for professionals against claims of negligence, errors, or omissions in the performance of their professional duties. It is designed to cover the costs associated with legal defense, settlements, and judgments that may arise from these types of claims. Professional liability insurance is typically purchased by individuals or businesses that provide professional services, such as doctors, lawyers, architects, consultants, and contractors.

How are general liability and professional liability insurance similar?

While general liability and professional liability insurance cover different areas of risk, they do share some similarities. Both types of insurance provide protection against claims that may result in financial loss for the insured party. They also both cover the costs associated with legal defense, settlements, and judgments. Additionally, both types of insurance typically have a deductible, which is the amount the insured party must pay out of pocket before the insurance coverage kicks in.

However, there are also some key differences between general liability and professional liability insurance. General liability insurance is broader in scope and covers a wider range of risks, such as accidents, injuries, and property damage. It is typically purchased by businesses to protect themselves from claims that may arise from their operations. On the other hand, professional liability insurance is more specific and covers claims related to professional negligence, errors, or omissions. It is typically purchased by individuals or businesses that provide professional services.

Another difference between the two types of insurance is the cost. General liability insurance is generally more affordable than professional liability insurance, as it covers a broader range of risks and is considered to be less specialized. The cost of professional liability insurance can vary depending on the type of profession, the level of risk involved, and the amount of coverage needed.

In conclusion, general liability insurance and professional liability insurance are two different types of coverage that serve different purposes and cover different areas of risk. General liability insurance provides protection against claims of bodily injury, property damage, and personal injury, while professional liability insurance provides protection against claims of professional negligence, errors, or omissions. While they have some similarities, such as covering legal defense costs and having a deductible, they also have key differences in terms of scope, cost, and the types of risks they cover.

If you are in need of general liability or professional liability insurance, Shield Insurance Agency can help. Shield Insurance Agency represents over 40 insurance companies and can provide you with affordable and comprehensive coverage to protect you and your family. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Random Acts of Kindness Will Make You Believe in Goodness

Random Acts of Kindness Will Make You Believe in Goodness

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Shield Insurance Blog | Random Acts of Kindness | Start a Quote Today!

Random Acts of Kindness

Random Acts of Kindness is a powerful force that has the ability to transform lives and create a positive impact in any setting. Whether it is in the workplace, at home, or in school, acts of kindness can set the tone for a supportive and nurturing environment. In this blog post, we will explore the importance of kindness in various aspects of life and how it can contribute to personal and collective growth.

Kindness in the Workplace

The workplace is often a fast-paced and competitive environment, where stress and pressure can take a toll on employees. However, incorporating kindness into the workplace can make a significant difference in the overall well-being and productivity of individuals. Setting a tone of kindness starts with modeling behavior. Leaders and managers should lead by example and demonstrate kindness in their interactions with employees. This can include simple acts such as expressing gratitude, offering support, and showing empathy towards colleagues. By creating a safe and supportive environment, employees feel valued and motivated to perform their best.

Kindness at Home

Home is where the heart is, and it is also where kindness should thrive. In our busy lives, it is easy to overlook the importance of kindness within our own families. However, small acts of kindness can go a long way in strengthening relationships and creating a harmonious atmosphere. Whether it is helping with household chores, listening attentively to a family member’s concerns, or simply expressing love and appreciation, kindness at home fosters trust, boundaries, and a sense of belonging. It is important to remember that kindness starts from within, and by practicing kindness at home, we can extend it to other areas of our lives.

Kindness at School

School is where children spend a significant amount of their time, and it plays a crucial role in their development. Incorporating kindness into the school environment can have a profound impact on student’s well-being and academic success. Teachers and administrators can create a safe and supportive environment by encouraging kindness and modeling positive behavior. By celebrating students’ strengths and encouraging a growth mindset, educators can instill confidence and resilience in their students. Additionally, promoting communication and collaboration among students fosters a sense of belonging and encourages empathy and understanding.

Celebrating Random Acts of Kindness

Random acts of kindness should be celebrated and acknowledged. They have the power to inspire others and create a ripple effect of kindness in the world. At Shield Insurance Agency, kindness is at the core of our values. As an agency that represents over 40 insurance companies, we understand the importance of trust, boundaries, and belonging. We believe in creating a safe and supportive environment for our clients, where their needs are met with empathy and understanding. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, kindness is a powerful force that can transform lives and create a positive impact in any setting. Whether it is in the workplace, at home, or in school, acts of kindness set the tone for a supportive and nurturing environment. By modeling behavior, creating a safe and supportive environment, and celebrating strengths and a growth mindset, we can foster trust, boundaries, and a sense of belonging. Let us embrace kindness and make a difference in the world, one random act at a time.

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Employment Practices Liability Insurance Do You Need It - Shield Insurance Blog

Employment Practices Liability Insurance: Do You Need It?

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Employment Practices Liability | Contact TJ, Shield Commercial Specialist for details

Does my business need employment practices liability (ELPI)?

Employment practices liability insurance (EPLI) is a type of insurance coverage that protects businesses against claims and lawsuits related to employment practices. It provides coverage for legal fees, settlements, and judgments that may arise from allegations of wrongful termination, discrimination, harassment, or other employment-related issues. In today’s litigious society, it is essential for businesses to have this type of insurance to safeguard their financial stability and reputation.

So, how does employment practices liability insurance protect your business? Let’s take a closer look. 

First and foremost, EPLI provides coverage for legal expenses. If your business is faced with an employment-related claim or lawsuit, the costs of hiring an attorney and defending your case can quickly add up. EPLI can help cover these expenses, ensuring that your business has the necessary resources to mount a strong defense.

In addition to legal fees, EPLI also covers settlements and judgments. If your business is found liable for an employment-related claim, you may be required to pay damages to the affected employee. These damages can include back pay, front pay, emotional distress, and even punitive damages in some cases. Without EPLI, these costs could be financially devastating for your business. However, with the right coverage in place, you can rest assured knowing that your insurance will help cover these expenses.

So, what exactly does employment practices liability insurance cover? EPLI typically provides coverage for a wide range of employment-related claims, including but not limited to:

– Wrongful termination: If an employee believes they were terminated unfairly or without just cause, they may file a wrongful termination claim against your business. EPLI can help cover the costs associated with defending against these claims.

– Discrimination: Claims of discrimination based on factors such as race, gender, age, or disability are unfortunately common in the workplace. EPLI can provide coverage for legal expenses and damages resulting from these claims.

– Harassment: Allegations of harassment, whether it be sexual, verbal, or based on other protected characteristics, can have serious consequences for your business. EPLI can help protect your business by covering the costs of defending against these claims.

– Retaliation: If an employee believes they were retaliated against for engaging in protected activities, such as reporting discrimination or harassment, they may file a retaliation claim. EPLI can provide coverage for legal expenses and damages resulting from these claims.

While employment practices liability insurance provides valuable coverage, it’s important to note that it does not cover every type of claim. For example, EPLI typically does not cover bodily injury or property damage claims, as these are typically covered under general liability insurance. It’s important to review your policy carefully to understand what is and isn’t covered.

Now that we understand what employment practices liability insurance is and how it protects your business, let’s discuss who needs this type of coverage. In general, any business that has employees should strongly consider obtaining EPLI. However, certain industries may have a higher risk of employment-related claims and may benefit even more from this coverage. These industries include healthcare, hospitality, retail, and professional services.

To determine if your business is eligible for employment practices liability insurance, there are a few factors to consider. Insurance companies typically look at the size of your business, the number of employees you have, and your history of employment-related claims. It’s important to work with an experienced insurance agent who can help assess your needs and find the right coverage for your business.

Now, you may be wondering how much employment practice liability insurance costs. The cost of EPLI can vary depending on several factors, including the size of your business, the industry you operate in, and your claims history. It’s best to reach out to an insurance agent who can provide you with a personalized quote based on your specific circumstances.

Lastly, it’s important to understand the difference between employment practices liability insurance and workers’ compensation insurance. While both types of insurance provide coverage for employment-related claims, they serve different purposes. Workers’ compensation insurance specifically covers injuries or illnesses that occur in the workplace, while EPLI focuses on claims related to employment practices. It’s important to have both types of coverage to fully protect your business.

In conclusion, employment practices liability insurance is a crucial form of coverage for businesses of all sizes. It protects your business against costly claims and lawsuits related to employment practices, ensuring that you have the financial resources to defend your case and cover any damages awarded. To learn more about employment practices liability insurance and how it can benefit your business, reach out to Shield Insurance Agency. With their expertise and access to over 40 insurance companies, they can help you find the right coverage at the best possible price. Call or text Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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