Professional Liability Insurance for Web Designers

For many, web design is a dream job. It pays well when you know how to market yourself and the work is plain fun. However, like with many jobs, things can go wrong for a number of reasons. The hosting service that you subcontracted to host your client's website may go offline during a critical time when the client gets most of his annual online sales. If you are using a well-known content management system, then it's a prime target for hackers. If just one of them gets through and takes your client's sensitive data (such as the credit card numbers of his customers), you could be held at fault.

Sometimes problems arise when your client's expectations aren't in line with what you promised to deliver. Upgrading a website doesn't guaranty more web traffic or more business. However, that doesn't mean a client won't hold you at fault for not meeting his expectations. This is not as ridiculous as it sounds because if your clientele is comprised of small businesses with very little online experience, their assumptions can be far off the mark.

Not being insured against potential litigation from dissatisfied clients places your financial well-being at risk. Even a successful defense entails legal costs. Mitigating the financial consequences of this type of risk is the purpose of professional liability insurance. It protects you when you are sued for mistakes or omissions on your part.

Professional Liability Insurance Coverage:

• Damages resulting from your own omissions or mistakes.
  
• Damages from the omissions or mistakes of temporary staff and subcontractors (such as a web hosting service).
  
• Legal defense costs against real or alleged errors or omissions. It doesn't matter whether the charges are real or baseless, you are covered.
  
• Damages from copyright infringement. This includes content, graphics, photos, videos, logos and software infringements.
  
• Damages from libel or slander.
  
• Claims from services provided to past clients up to a certain retroactive date.

Protect yourself, your business and your family from financial ruin by getting professional liability insurance. An added benefit is that it improves your professional credibility and having it may land you more clients. Contact an insurance agent today for more information.

Protect your business’ interests. Call Northside Insurance Agency at(813) 960-5225 for more information on Tampa professional liability insurance.

Fire Safety for Renters

Many apartment dwellers remember to lock the doors and windows to prevent theft. But what about fire prevention? Even though you don’t own the building, all of your valuable assets reside there, which is worth protecting. Here are some fire safety tips for renters that you may find helpful.

·         Something as simple as abandoning a cooking meal on the stove to answer the phone could be the source of a fire. Be mindful to minimize similar instances of carelessness. Turn pan handles inward to prevent accidental tipping. Teach kids that they are not allowed to come within three feet of a hot stove.

·         It’s up to the property manager to ensure that working smoke alarms are present in the rental unit. However, it may be up to you to change the batteries as needed. No matter the terms of your lease, ensure that the smoke alarms are always in working condition.

·         Burning candles is a great way to fill your unit with a delightful aroma. But open flames always create a certain level of risk. Keep combustibles like furniture and blankets at least three feet away from a burning candle. Place candles out of reach of children and pets. And most importantly, ensure that candles are fully extinguished before leaving or going to sleep.

·         Even though you take precaution, your unit may be affected if a fire breaks out in a neighboring unit. Prepare for the worst. All sensitive documents—birth certificates, social security cards, passports, insurance information and more—should either be stored in a fireproof safe or in a safe deposit box. It’s also prudent to scan digital copies and upload them to a cloud drive that you can access anywhere.

·         Perhaps your most important protection against the damaging effects of fire is renters insurance. This policy helps reimburse you for covered losses so you can replace damaged assets and recover from the disaster.

Get the coverage you need. Call Northside Insurance Agency at (813) 960-5225 for more information on Tampa renters insurance.

The Basics of Condo Insurance

Want to enjoy the perks that come with building equity and getting tax incentives, without the pesky yard work and pool maintenance of owning a house? A condominium might be the perfect solution for you! And just like with any large investment, it’s important to consider condo insurance while you begin the hunt for a new home.

Much like home insurance, condo insurance protects your property and liability risks from a variety of circumstances, including theft, vandalism, severe weather and more. Standard condo insurance policies cover the following:

·         Building and personal property: Covers building property—cabinets, fixtures, walls and more—and personal property—furniture, clothing, appliances and more—if it’s damaged, lost or stolen due to a covered event.

·         Personal liability: Covers the medical and/or legal expenses associated with a visitor getting injured on your property, along with the costs of third party property damage.

·         Loss of use: Covers the cost of temporary living expenses if a covered loss renders your condo uninhabitable.

While condo insurance is similar to home insurance, there are some key differences. Namely, the role of the homeowners association. The HOA fee you pay as a condo owner not only covers common areas like the pool, but it also covers (in most cases) the exterior of the building, including the roof and foundation. Because the HOA covers these items, condo insurance is often less expensive than home insurance. However, flood and earthquake is excluded from standard policies and must be purchased separately.

Your independent insurance agent can help you find the right condo coverage for your needs. Be sure to ask about discounts, particularly if you’re planning to bundle in your auto insurance and/or if your condo is equipped with a security alarm.

We’ll help protect your residence today. Call Northside Insurance Agency at (813) 960-5225 for more information on Tampa condo insurance.