Do I Need Pub Insurance and Should I Get an Agent

Whether you own a retail store, a local 'watering hole', or a cozy bed and breakfast in the country, you need to have an insurance policy that will cover your business for a number of aspects. These include injury to employees or customers, damage to equipment, loss of earnings for a variety of reasons, and the usual as listed above, theft, flooding, fire, and the like.
For example, you own a pub and a customer carelessly discards their cigarette butt into the dry shrubbery outside. The bushes catch fire, and it spreads to the pub. Luckily nobody was seriously injured, but the smoke damage means you need to close until it is taken care of. Not only do you have the repair work to pay for, there is the loss of income for your business.

In another example, say somebody was injured, and sued you. Your pub insurance policy will cover you in this event. The same would be true with a bed and breakfast insurance policy, or with retail insurance. These policies often include a 'Business Interruption' policy, which includes the loss of income mentioned above such as flooding or fire, but also includes sickness or death, lack of public supply.

5 Tips: How to reduce the cost of car insurance on a young driver.

NEW YORK (CNN/Money) - Cruising down the highway is more than just a summer ritual, it can be a hazard too. The National Highway Safety Administration says summer is one of the most dangerous times of the year for young drivers.
And insurance companies are well aware of the risks that young drivers pose. Adding a young driver to your insurance policy can increase your rates 50 to 100 percent says Jeanne Salvatore of the Insurance Information Institute.
But you don't have to take away those car keys just yet. In today's 5 tips we'll tell you how to keep your kid safe on the road and what young drivers can do to reduce their auto insurance.
1. Keep a clean record Having DWI convictions on a driving record is extremely costly. The Municipal Alliance for the Prevention of Substance Abuse estimates that the total cost of one DWI for an underage drinker, in New Jersey for example, is almost $24,000. This includes insurance premium increases, legal fees and other fines.
If you are a young person with no prior convictions who is convicted of a DWI, your base insurance premium of $800 could be raised thousands of dollars for at least three years, according to David Snyder of the American Insurance Association.
2. Earn brownie points Many auto companies offer students a discount on their auto insurance if they maintain a 3.0, or a B average and are enrolled full-time in high school, community college or a university.