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  • A Hot Price for U.S. Businesses
  • Summer Grilling Fun
    Every year, what should be a fun outdoor occasion for family and friends instead turns into tragedy at nearly 9,000 homes, causing deaths, injuries and tens of millions in property damage. Your Trusted Choice® independent insurance agents can remind you that fire damage and potential liability for injury to friends will be covered by your […]
  • Home-Buying Tips for the Single Guy and Gal
  • Food Trucks: Let Your Food Keep on Trucking!
    Welcome to the world of food trucks! When you picture building your catering business, is the image more truck than tent? The mobile food industry has a long and tasty history in the U.S.
  • Staffing Your Catering Business
    Like many entrepreneurs, you may have begun your catering business as the sole cook and bottle washer. But at some point, you will discover that going it alone not only impedes growth, but is a recipe for burnout and collapse. And you’ll face the question of every successful catering business: How do I find and […]

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Can Your Business Afford to Lose $3,000 a Day?

Tuesday, July 21st, 2015

business_interrupt_thinkstockphotos186928593The recent storms that swept across the country shut many businesses down for days on end.

Downtime like that can cost your business big bucks: The Symantec 2011 SMB Disaster Preparedness Survey revealed that disasters cost inoperable small businesses an average of $3,000 a day.

Most people would never consider opening a business without coverage for things like fires and weather events. But many small business owners don’t think about how they would manage if a fire or other disaster made their building temporarily unusable. A business that has to close down completely while the premises are being repaired may lose out to competitors—or even end up going out of business.

The good news is that you can protect your business with business interruption insurance. Business interruption insurance covers the revenue you would have earned (based on your financial records) had the disaster not occurred. The policy also covers continuing operating expenses (like electricity) that continue even though business activities have come to a temporary halt.

Business interruption coverage is not sold separately—it is added to a property insurance policy or included in a package policy. Talk to an insurance professional at Melendez Insurance to learn more about it and to get a free quote.

Frozen Water Pipes Still a Danger

Sunday, January 11th, 2015

Intro-e1392216716609Your home is your castle, and nothing beats a warm night inside when the cold sweeps in.

But while your home protects you from bone-chilling weather, it’s under attack from blowing winds and frigid chills. One of the biggest dangers to your home during this time of year is frozen water pipes.

There is still plenty of time for Mother Nature to wreak havoc this winter. Help spare your home by following these tried-and-true tips for preventing frozen pipes.