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Esperanza Gutierrez Insurance Agency Blog

View the latest blog posts from Esperanza Gutierrez Insurance Agency.

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Wednesday, December 30, 2020

What is Bodily Injury Liability Insurance for Businesses

Businesses have a duty to protect their clients, including offering them a safe space in which to do business. However, no matter how many risk management precautions you take, there is always a chance that something could go wrong, and one of your customers could get hurt. READ MORE >>

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Friday, November 13, 2020

When Should I Stop Full Coverage on My Car?

Full coverage car insurance is recommended for most vehicles and drivers, but it isn’t always necessary. There are times where you may want to lower your coverage or drop full coverage completely to only carry the liability required by your state.  You should be careful about when you drop your insurance, however. READ MORE >>

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Wednesday, October 21, 2020

Do Employee Driving Records Affect Commercial Auto Insurance?

When you purchase a commercial auto insurance policy for your business, you will give a lot of thought to employees who will be using it. There is more to consider than an employee’s experience and personality, however. Their driving record can heavily influence your commercial auto insurance. READ MORE >>

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Wednesday, September 16, 2020

How to Prevent Water Damage in Your Home

There are a lot of ways that water damage might occur in your home. The resulting repairs might be expensive, uncomfortable and irritating. While you want your homeowners insurance to be able to protect you from the ramifications of these losses, you might be surprised to learn that it won’t cover every type of water damage. READ MORE >>

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Wednesday, August 26, 2020

Will BOPs Cover Inventory and Stock?

Any business needs to carry business insurance. For the small business owner with cost and convenience in mind, a business owners policy, also called a BOP, often proves the solution. The policy will offer a variety of essential commercial coverage, including possessions insurance. READ MORE >>

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Thursday, July 30, 2020

Medical Payments vs. PIP Coverage on Car Insurance

When choosing car insurance, you might have the choice between adding medical payments (MedPay) coverage or personal injury protection (PIP) coverage to your car insurance policy. Some people think these policies are the same and interchangeable, but they aren’t. READ MORE >>

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Friday, July 24, 2020

Do You Need Business Insurance For Your Side Gig?

But you need to treat it just as seriously as you would any other business. If something goes wrong, it's possible to lose not just what you've earned but also everything you own. To protect yourself, you need to look at business insurance. Does Your Personal Insurance Cover Side Gigs? READ MORE >>

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Monday, July 20, 2020

Do Kiosks Need General Liability Insurance?

Certainly, someone running a restaurant or a store needs general liability insurance. But what about those kiosks you see popping up in malls and shopping centers? These are small stalls selling sunglasses, jewelry or other items, usually attended by one or two high-schoolers or college-aged empl... READ MORE >>

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Friday, July 10, 2020

Can You Be Sued If There’s Something Wrong With A Product You Sell?

When you sell products to the general public, you have a duty to make sure what you're selling is safe. If you don't, you're at risk of a product liability lawsuit. To protect yourself, make sure you have general liability insurance. What Is A Product Liability Claim? READ MORE >>

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Tuesday, July 7, 2020

Business Insurance for a Concrete Company

As a concrete business, you have many obligations and expectations to fulfill. What type of insurance does a concrete company need? Protect Your Assets Property insurance is important. Many businesses like this operate in a building, either leased or owned. Protect that asset with property insurance. READ MORE >>

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Blog Archive
  • 2020

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