Aegis Blog

7 Reasons Your Homeowners Insurance Could Be Cancelled (and what to do about it)

7 Reasons Your Homeowners Insurance Could Be Cancelled (and what to do about it)

Own a home? Then there’s a good chance you have homeowners insurance. Approximately 95% of homeowners are covered; most lenders require homeowners insurance as a way to protect their interest in the property. Even if you’ve paid off your home, keeping it insured is still a smart move; it generally covers structural damage, loss from theft, and shelters you against costly liability lawsuits if someone is injured on your property. And, as thousands of Californians learn during fire season each year, homeowners insurance can cover the devastating loss of your ...
5 Questions to Ask When Selecting Insurance for Your Ski Shop

5 Questions to Ask When Selecting Insurance for Your Ski Shop

When you own a ski or snowboard shop, getting the right insurance in place is an important task. Whether you’re in the middle of peak season or you’re in the middle of planning and preparation during off-season, there’s no wrong time to make sure you have the right coverage. Before you settle on just any basic commercial liability or business owner’s policy, however, you want to make sure you’re choosing the right coverage for your shop. After all, your business is completely different than the coffee shop next door. So ...
Protecting High-risk Homes in CA: the Wildfire Survival Guide Infographic

Protecting High-risk Homes in CA: the Wildfire Survival Guide Infographic

California’s fall fire season is quickly becoming one of its most destructive yet. Since the start of the Fire Siege on October 8, CAL FIRE responded to 250 wildfires in California. At its peak,11,000 firefighters battled 21 major wildfires that forced 100,000 people to evacuate, destroyed an estimated 8,400 homes and businesses, destroyed over 245,000 acres, and tragically took the lives of 42 people. CALFIRE announced that the Tubbs Fire alone has broken the record as the most destructive wildfire in California’s history. CA Wildfire Facts Wildfires can quickly destroy acres ...
Patent Insurance Basics: What You Need to Know to Protect Your Company

Patent Insurance Basics: What You Need to Know to Protect Your Company

Insurance coverage plays a key part in protecting your business. When you want to take measures to prevent problems with your intellectual property, you need the right type of policy. When your company invents and develops products, you need patent insurance to limit the risk of financial loss due to challenges from competitors or to protect yourself from outside interest in your item or process. What is Patent Insurance? When you take out a patent, it means you own the intellectual rights to a specific product or process. For example, your ...
A Small Business Owner's Guide to Intellectual Property Insurance

A Small Business Owner's Guide to Intellectual Property Insurance

Is your business protected against intellectual property theft? Intellectual property can be more valuable than your business’ building and the assets inside. Intellectual Property (IP) insurance can help you defend your patents, trademarks, copyrights and trade secrets against intellectual property infringement. What Is Intellectual Property (IP) Insurance? An intellectual insurance policy is designed to financially protect you in the event that you are victim of intellectual property infringement. In other words, if someone steals your protected idea or design. It also provides protection if you find yourself in the unfortunate position ...
Is Outdoor Sports Insurance Right for Your Business?

Is Outdoor Sports Insurance Right for Your Business?

The outdoor recreation industry is thriving with profitable business models including manufacturing and sales of gear, apparel, and accessories, rentals and lessons, guided tours, and equipment repair, to name a few. The variety of business models in the outdoor recreation industry means there’s many ways to turn a profit, but there’s one thing that most businesses have in common -- the right outdoor sports insurance. Here’s what you need to know about outdoor sports insurance and how it can benefit your specific industry niche. What is Outdoor Sports Insurance? Any commercial business ...
How Festival Insurance Helps Summer Music Fests Cash In

How Festival Insurance Helps Summer Music Fests Cash In

Summer music fests are big business. In 2016, Desert Trip festival grossed more than $160 million and Coachella Valley Music & Arts Festival brought in over $94 million. Even smaller gatherings are bringing in profits for both performers and organizers. But music festivals also come with a large amount of risk. For organizers to really cash in, they need to avoid Fyre-like disasters and have the right amount of festival insurance in place. In an ideal scenario, festival organizers and risk experts are able to identify and remove every possible ...
Protecting Your Business Against the Most Common Insurance Claims

Protecting Your Business Against the Most Common Insurance Claims

If you’re like most business owners you want to maximize your profits and minimize the risks you take. As your business grows you may implement certain processes to help you operate more efficiently, such as lean inventory principles or an agile approach to working with clients. One of the easiest things you can do to maximize your cash flow, however, is to be sure you’re carrying the right amount of commercial insurance for your business needs. But how much is enough? Your insurance needs will vary depending on your specific industry, ...
How to Risk Proof Your Bike Shop During The Summer

How to Risk Proof Your Bike Shop During The Summer

Summer season is when bike shops thrive. Longer days and warmer weather bring increased traffic and sales to your shop, but it can bring increased risks, as well. Here’s how to risk proof your bike shop this summer. Beat the Heat Summer temperatures can soar up to triple digits and that means a greater chance for heat-related illnesses and heat stroke. Your employees are outside leading skill shops, giving lessons, and hosting bike camps which means they’re out in the elements. A heat-related employee illness can lead to a workers’ comp ...
Outdoor Recreation Brings Big Opportunities for Outdoor Brands and Businesses

Outdoor Recreation Brings Big Opportunities for Outdoor Brands and Businesses

Whether you’re a seasoned pro in the outdoor industry or exploring the idea of creating an outdoor recreation brand or business, you couldn’t pick a better industry. The Outdoor Industry Association has reported that outdoor recreation is a driving force in the economy, bringing jobs, consumer spending, and tax revenue to all parts of the US. Outdoor Recreation is Driving America’s Economy Outdoor recreation is among our nation's largest economic sectors, representing the lifeblood of thousands of American communities and providing livelihoods for millions of American workers. Every year, American consumers spend ...

 

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