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Author: arthur_hall_blog

Arthur Hall Insurance / Articles posted by arthur_hall_blog (Page 6)
22 Feb

Protect and Care for Jewelry

Have you recently added a precious heirloom or new piece of jewelry to your collection? Whether it's old or new, be sure to protect your valuables. Jewelry Care - Protect your Jewelry from Damage Damage Prevention - Store jewelry items separately in a soft cloth. Your jeweler will often have fabric pouches for this purpose. Do not twist or bend semi-rigid chains as this can cause permanent damage. • Watch Care - Replace scratched or broken crystals. Even hairline cracks can allow dust and moisture into the mechanism threatening its accuracy. Check clasps periodically. • Diamond Care - Use mild detergent or a sudsy...

9 Feb

Workers’ Compensation Protection

Workers' Compensation - Is Your Protection Package Adequate? Is your business headquartered in one state, but occasionally conducts business operations in other neighboring states? Operating a business in the Delaware Valley inevitably leads to employees working, living, or traveling in Pennsylvania, New Jersey, and Delaware. One of many unique risks confronting businesses is how workers’ compensation coverage corresponds to multi-jurisdictional law in our region. Let’s start with a common example: ABC Company, solely located in Pennsylvania, occasionally does work in New Jersey. One day, ABC Company has an employee who suffers a serious workplace injury in New Jersey. The maximum amount of workers’...

12 Nov

What is Business Income Insurance?

What is Business Income Insurance and does your business have the appropriate coverage in place? Could your business survive a shut-down of operations related to an insurance loss? If so, how long would it take you to get back to full operations? 2 weeks, 1 month, 6 months, a year or longer? Is your insurance limit enough to cover you for the length of the shut down? Is there a time limitation on your coverage? When was the last time you completed a Business Income Worksheet to determine the appropriateness of both the limit and length of coverage? If...

21 Jul

Guessing On Property Limits Could Cost You

Are Your property limits adequate? Determining the correct property limit can be a difficult task, but it is an important consideration when evaluating your insurance program. Defining accurate limits, including the proper endorsements and structuring policies to match your needs are key to establishing an appropriate program. Here are some critical items to think about when evaluating your property coverage: * How did you reach your limit? Estimates developed using only company replacement cost calculators, loss control inspections, or appraisals could leave you underinsured when a loss occurs, or paying for additional coverage that can never be used. Onsite property visits can be...