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You may consider yourself well versed when it comes to the ins and outs of business insurance in Tennessee, especially if you own a business in Tennessee. But just how accurate and in-depth is your knowledge? In the spirit of fall, which is back to school time, take this quiz to test your awareness of business insurance myths and truths.
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When one of your kids is going to college in Tennessee or out-of-state, there's so much to think about: the cost of tuition, packing all the right things to take along, and registering for the proper classes, not to mention the powerful emotions that arise when one of your fledglings makes the bold leap out of the nest and flies away. One important matter that may be easily forgotten amidst all these other concerns is that of insurance. In particular, health and property are two aspects of every college student's life that may require new coverage.
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Chances are you already have a number of different insurance policies in place. It's almost inevitable, however, that even with all that protection, there are some cracks in your coverage. Umbrella insurance is designed to essentially seal those cracks, so that all your bases are covered. It will, metaphorically speaking, shield you from the storms that may come in the form of accidents and other unforeseen events that your existing policies aren't equipped to fully cover.
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Summer in Tennessee is prime time for home improvement projects. Whether you're repainting your home's exterior, replacing the roof, adding on, or constructing a new patio, a home improvement project can not only beautify your home and add to its overall comfort, but also significantly increase its value. Don't undermine your considerable efforts by failing to get the proper insurance, or you may end up having to fork out much more than you planned in the event of an accident.
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Those of us old enough to recall a choice bit of pop culture from the early 1980s might recall a fictional vehicle that seemed to have a mind and personality all its own. Its name was KITT, and it was the sporty, black car endowed with artificial intelligence on which one David Hasselhoff, in his role as Michael Knight, relied on in the TV show Knight Rider. Yes, David was a modern-day knight, and the robotic car was his trusty steed.
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Times have changed substantially since the dog-eat-dog days of fire marks-distinctive plaques fashioned of lead or copper that home and business owners displayed on their property to indicate that it was insured against a fire. In the 18th and 19th centuries, fire insurance providers gave these plaques to policyholders who paid in advance for their protection. If a home or business caught fire, the fire insurance provider (who also ran the fire brigade!) would look for that all-important fire mark before going to the trouble of putting out the flames. If there was no fire mark to be found, they would turn around and leave, letting the building burn.
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It's the place where we seek rest and respite from the demands of the workday and the outside world. It's where we spend quality time with friends and family. It's where we cook, eat, sleep, shower, and sit by the fire. It's home, and it really is sweet.
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