Insurance Insights

If you want to boost productivity at your company by encouraging your employees through praise and morale, today you have more help than days gone by. Thanks to recent technological development and the popularity of mobile phone apps, you have a number of apps at your fingertips to spread the love to your employees. These apps are often free or very low cost, giving you a cost effective and simple way to boost your employee’s morale — while giving you a variety of other benefits and features in the process, like improved employee productivity.

BOLT Insurance Agency Announces the Establishment of Strong Presence in Florida to Serve Insurance Consumers in the Region
BOLT appoints leadership team and acquires two Florida-based insurance agencies
Sarasota, FL – (August 20, 2012) – Business Owners Liability Team (BOLT Insurance Agency), a leading online insurance agency that protects small business owners, and now the personal lines consumer, announced that it is opening a regional office in Sarasota, Florida. In support of BOLT’s strategy to better serve the needs of insurance consumers in Florida and the surrounding region, the company appointed insurance industry veteran Robert Rizzo as Regional Director and has acquired the strategic assets of two Florida-based insurance agencies, PFG Insurance Agency and Florida Direct Insurance Agency. Both acquisitions immediately strengthen BOLT’s presence in the overall Florida insurance market, while Flordia Direct also gives bolt an important foothold in the workers’ compensation insurance market.
“We are excited to establish a physical agency presence in Florida to focus on the unique needs of Florida’s insurance consumer and to build the vital relationships needed with the regional insurance carriers that operate there,” said Robert Rizzo, the Regional Director for bolt Florida. “With the acquisitions of PFG Insurance Agency and Florida Direct Insurance Agency we have the opportunity to advance the strong carrier relationships established by the two firms, and retain key industry veterans that have served customers in this region for many years,” said Mr. Rizzo.
Robert Rizzo is the new Regional Director for bolt Florida. Robert will manage day to day operations in the State as well as lead the company’s Florida acquisition strategy. Prior to joining BOLT, Robert had operated insurance businesses in Florida and Ohio. He also has prior experience in Small Business Banking, Commercial Real Estate and Mortgage Banking. Robert received his undergraduate degree from West Virginia University and his MBA from Bowling Green State University.
Using BOLT Insurance, small business owners have access to top markets and carriers online, with immediate quotes and expertise consultation. The company’s proven Web-based technology collects all underwriting information required by top-line carriers, and allows business owners to view proposals online within minutes. BOLT’s exclusive focus on small business and the strength of its technology platform, processes and team of experts combine to deliver a unique “high tech/high touch” approach to serving the very specific needs of small business owners.
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About BOLT
Farmington Connecticut-based BOLT, the Business Owners Liability Team, is a national insurance agency that exclusively protects the owners of small businesses. bolt agents help business owners choose the right insurance products to fully protect both their businesses and themselves personally. bolt offers an on-line and interactive experience with leading carriers. As such, business owners can thoroughly compare coverage and pricing, and ultimately purchase cost-effective insurance for their businesses within minutes.
Business insurance policies offered by bolt include, but are not limited to, General Liability, Business Property Insurance, Workers’ Compensation, Commercial Auto, Umbrella Insurance, Errors and Omissions, Directors and Officers, Business Interruption, Employment Liability, Sexual Harassment and Flood. These policies are provided by top-rated insurance carriers such as The Hartford, CNA, Liberty Mutual, Ace, Hiscox and Chubb. bolt insurance Agency is headquartered in Farmington, CT, and is licensed to do business in all fifty states. Come visit us at: www.boltinsurance.com
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When you choose to own a business, nearly every decision you make as a business owner will come with some sort of risk. Because of the inherent risks of running a business, choices you make should be carefully considered. While there are more risks than the ones listed here, these are the risks you should be most familiar with when dealing with your regular business operations, in order to avoid legal or financial implications. When in doubt, seek advice from a legal or insurance professional who has experience dealing with business operation risks.

Small services businesses take on a different set of challenges in order to grow their business. After all, there’s not always an actual product to see and touch when selling a service. But regardless if your service business is purely service-oriented or a combination of a product mixed with a service, there are risks inherent in your business. Translation: business insurance for small service businesses is just as important as it for a small business marketing products only. But one size doesn’t fit all. For instance, a landscaping business with multiple vehicles on the road and several employees would have different business insurance for small service businesses needs than say a shoe repair store that doesn’t use a vehicle in its business operations.
Let’s take a look at the five most common types of business insurance for small service businesses:

Whether you are a proud owner of a shiny, new business or a long-standing, seasoned one, it’s essential to protect both your own personal assets and the assets of your business. Getting a business owner insurance policy helps you to cover your risks. It gives you the peace of mind as you can face every day knowing that no matter what unforeseen or catastrophic event happens, you and your business are protected against liabilities, risks, and litigation.

Making your own decisions. Partaking in the American dream. Spending your days doing what you love. These are all the joys of starting your own business. But it takes more than a desire to be your own boss to launch a successful business, especially one that lasts long term. When you’ve invested your blood, sweat, and tears (i.e. money, time, hard work, and resources) into a new business, it’s important to obtain business insurance for startups right from the starting gate. A claim against you early on — before your business really took off — could wipe out all your savings before your business started making substantial profits.
Reduce your risk by considering these four critical types of business insurance for startups.

If you are considering purchasing insurance coverage for your small business, at some point you’re probably wondering about business insurance agents – do I need one? Small business insurance can be a complex arena, with many things to consider before deciding on the type and amount of coverage needed to protect you and your business. For this reason, anyone contemplating business insurance should seek assistance from a reputable business insurance agent.

If you are considering purchasing insurance coverage for your small business, at some point you’re probably wondering about business insurance agents – do I need one? Small business insurance can be a complex arena, with many things to consider before deciding on the type and amount of coverage needed to protect you and your business. For this reason, anyone contemplating business insurance should seek assistance from a reputable business insurance agent.

Whether janitorial, maid, carpet, or house cleaning service, managing a business that provides cleaning services for other businesses or homes can lead to feelings of worry and uncertainty. Even if you trust your employees implicitly, the fact of the matter is you and your business can be in hot water if a client’s belongings disappear (or if the client claims they disappeared). Not only are your clients vulnerable to a financial loss from the actions of a dishonest worker, but you are too.