Commercial Insurance Quotes

it’s a good idea to have a basic knowledge of the types of insurance
coverage available. While your business changes and expands you
should have the essential knowledge to purchase insurance coverage
as new exposures arise. The following commercial lines of insurance
cover broad areas of exposure present with most business operations:
Property Insurance
Commercial Property
Inland Marine
Boiler and Machinery
Casualty Insurance
Commercial Automobile
Commercial General Liability
Commercial Umbrella
Workers Compensation

Commercial Property
Coverage Sections, Limits of Insurance, and Coinsurance
Buildings you own or lease as a part of your business, your business
personal property, as well as the personal property of others make
up the standard coverage sections of commercial property insurance.
Commercial property insurance can be sold separately as
an individual line policy (referred to as a monoline policy), or it
may be sold as part of a Commercial Package Policy (CPP), which will
includes two or more commercial coverage parts such as commercial
property, general liability, and commercial auto.
Building coverage includes buildings or structures and any completed
additions, that happen to be listed on the declarations page of a
commercial policy. Permanently installed fixtures, machinery, and
equipment are also insured as an element of building coverage. for example fire, explosion, windstorm, vandalism, etc. You are able to
usually request basic specified perils or broad specified perils protection.
Broad specified perils protection increases the list of protected
perils identified within basic specified perils.

Open Perils coverage covers all losses unless they’re specifically
omitted. Earth movement (including earthquake) and flood are
2 common perils that are omitted under open perils coverage.
Because open perils coverage offers more comprehensive protection,
it’s more expensive compared to a specified perils policy.

Improvements and Betterments – Usually applied by a lienholder.
Protects all permanently installed improvements and betterments,
which cannot be removed when a tenant vacates the building.

Glass – Standard specified perils regarding glass coverage include any
resulting damage to other property from broken glass as a result of
vandalism and also vandalism to glass building blocks. Broad
and specific perils covers $ 100 per pane of glass up to $ 500
per occurrence. A glass form must be added for scheduled
glass coverage when there is a significant glass exposure to
insure. A glass form consists of the number of panes, dimensions,
location, lettering, and ornamentation. A different glass
deductible may be scheduled as well.

Peak Season – An endorsement that offers extra limits
on personal property inventory throughout a designated period of
time. This is specifically used to cover fluctuating inventory
values before and during peak shopping seasons.

Inflation Guard – Immediately modifies the limits of insurance
to maintain with inflation. construction cost index in a regional area or a specific percentage
per year. This particular endorsement can be extremely important in assisting to
preserve adequate coverage limits, which can protect against
potential coinsurance penalties in a property loss.

Time Element – Insurance which covers other losses arising
from a direct loss by a covered peril to business property.
Business interruption, extra expense, and loss of rents and rental
value tend to be the most common time element coverages. Business
interruption coverage replaces lost business income after a covered
loss. Certain key employees can be named, allowing the employer
to continue to pay their salaries until the business restarts operations
following a loss. Additional expense coverage mainly applies to service
or product associated businesses where the business has to continue
to ensure the survival of the company. Extra expense can pay
for office space, equipment rental, advertising, or most expenses
deemed reasonable for keeping the company operating after a
covered loss.

Monument Commercial Insurance Agency is a Multi-State Licensed, Bonded, and Insured Insurance Services Firm offering a complete selection of Business Insurance and Personal Insurance Policy Services.

business insurance quotes
commercial insurance quotes

More Kate Upton Articles

15 Quotes to Live By

Life is a journey is it not? Travel, progress, open roads, they are all just metaphors for living without the knowledge of what’s to come. There have been some wonderful quotes about the journey of life that inspire us to keep going, to keep living.

Some good ones are:

1. Life to me is a journey- you never know what may be your next destination ­- David Russell

2. There is great meaning in life for those who are willing to journey – Jim England

3. The journey is the reward – Chinese proverb

4. The only journey is the one within – Rainer Maria Rilke

5. Hope is like the sun, which, as we journey toward it, casts the shadow of our burden behind us – Samuel Smiles

6. Nothing shorten a journey so pleasantly as an account of misfortunes at which the hearer is permitted to laugh – Quentin Crisp

7. Life is not a journey to the grave with intentions of arriving safely in a pretty well-preserved body, but rather to skid in broadside, thoroughly used up, totally worn out and loudly proclaiming WOW! What a ride!

8. We must embrace pain and burn it as fuel for our journey – Kenji Miyazawa

9. The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours- it is an amazing journey- and you alone are responsible for the quality of it. This is the day your life really begins – Bob Moawad

10. We must go beyond textbooks, go out into the bypaths and untrodden depths of the wilderness and travel and explore and tell then world the glories of our journey – John Hope Franklin

11. I believe that life is a journey, often difficult and sometimes incredibly cruel, but we are well equipped for it if only we tap into our talents and gifts and allow them to blossom – Les Brown

12. You have to leave the city of your comfort and go into the wilderness of your intuition. What you’ll discover will be wonderful. What you’ll discover is yourself – Alan Alda

13. He who knows others is learned; he who knows himself is wise – Lao-tzu

14. You cannot dream yourself into a character, you must hammer and forge yourself one – James A. Froude

15. There is nothing like returning to a place that remains unchanged to find the ways in which you yourself have altered – Nelson Mandela

How will you start your journey? A balloon trip perhaps? Create experiences that you’ll never forget.

Balloon Safaris provides hot air balloon flights all over England. All departure points are easily commutable from London. Find out more about Hot Air Balloon Ride. Flying with Balloon Safaris is an experience you’ll never forget.

Celebrity Twitter Quotes

Celebrities. People you love. People you hate. People whom you cannot ignore. People who are here, there and everywhere. Not a day goes by when you do not see them. They are always up to something or the other which ensures that you get to see them as often as possible.

Celebrities are defined as widely known people who are honored and acclaimed for some reason. They may be film stars, sportspersons, musicians, authors, hoteliers, dancers and skilled people from any profession. Many of them are supremely talented and the skills they have exhibited in their field have catapulted them into the limelight.

Some of them are, however, just famous for being famous. They may attract attention due to their pedigree, some chance event or some self-engineered occasion that has cast them into the spotlight. Whatever the reason, these people are famous. And the wide media coverage these days has ensured that they remain so. Positive or negative, any publicity helps them stay in the news and it also helps them make some quick bucks from advertisements, events or in any other way.

The coming of the micro-blogging website, Twitter, has further helped celebrities reach out to the world. And that is good news for the fans of such people, who are ever so curious about the lives and actions of their idols. Many celebrities are on Twitter these days. It helps them directly reach out to their fans, communicate with other members of their ilk and also clear up any negative views about them. Many of them just use it to increase their popularity with their fans.

Here are some fantastic celebrity twitter quotes from some of the hottest personalities who are active on Twitter.

Get busy today folks! If you’re a gardener and you’re clothes aint dirty by the end of the day, you need to seriously re-examine your life!!
~ Rev Run.

Love is like a brick. You can build a house, or you can sink a dead body.
~ Lady Gaga.

If you meet someone and they have 20 of the 25 things you want in a person, then you’re pretty lucky.
~ Amanda Bynes.

I love myself once sometimes twice a day. But I’m not marrying myself.
~ Chelsea Handler.

When you’ve got good friends & family around you, you don’t feel the need to go off the deep end.
~ Demi Lovato.

You know you’re drunk when you think that the cab fare is the time.
~ Dane Cook.

If you love reading celebrity twitter quotes, you can get a whole lot of them at

~ Have a nice time,
Madhumita Roy.

Madhumita Roy is the author of self-help lifestyle articles and the owner of websites and You can follow her on Twitter at @mroy39.

More Kate Upton Articles

Game of War – Who I Am / Kate Upton – (2015) :30 (USA)

Game of War – Who I Am / Kate Upton – (2015) :30 (USA)
So, Kate Upton bathes in milk, dresses in form-fitting breast-plate armour and talks about empires. Still not going to play this MMO because it looks nothing like this ad. Client: Game Of War. Commercials: Entertainment. SuperBowlAds: 2015 Super Bowl …
Read more on Adland

Copy Kate Upton's flirty biker-chic look with Dress for the Day
And hey, you're already inside — why not experiment with the cold-weather mini as perfected by Kate Upton during her brief jaunt to Korea this past fall? Of course, none of the above applies when you've made the foolhardy choice to brave those three …

Is This The New Kate Upton? [VIDEO]
The people at Carl's Jr. don't like to stray too far from their commercial formula of hot chicks in bikinis doing stuff in slow motion. I guess if it ain't broke, don't fix it. Previous commercials have used a mix of celebrities (Paris Hilton, Kim …
Read more on CBS Local

Kate Upton stars in NEW live action Game of War trailer”

Kate Upton stars in NEW live action Game of War trailer”Kate Upton oozes sex appeal as she dresses as a warrior for a new trailer for Game of War.
Kate Upton smoulders in new Game of War trailer (related … Thanks to Kate Upton, the world of video gaming just got a whole lot sexier! … Kate Upton stars in NEW live action Game of War trailer …
Kate Upton stars in NEW live action Game of War trailer … Kate Upton oozes sex appeal as she dresses as a warrior for a new trailer for Game of War.
Game of War live action advert starring Kate Upton – Sarah35- Kate Upton tries to make us play Game of War: Fire Age in new live action … is the star of a new live action TV ad campaign for Game of War: Fire Age. … Square Enix posts new trailer for upcoming ‘Final Fantasy Agito’ game … Kate Upton stars in NEW Game of War live action trailer. … Kate Upton oozes sex appeal as she dresses as a warrior for a new trailer for Game …
Watch Game of War: Live Action Trailer Commercial ft. Kate …Kate Upton shows off her assets in plunging silver corset as she charges on a horse in new Game Of War: Fire Age advert
PUBLISHED: 13:37 GMT, 8 December 2014 | UPDATED: 19:06 GMT, 8 December 2014

View comments
She plays Greek goddess Athena in brand new game franchise, Game Of War: Fire Age and Hollywood actress Kate Upton looks sexy in a new trailer.
The 22-year-old can be seen charging forward on a horse during a battle scene, in which she showcases her ample assets in a eye-catching ensemble.
Dressed head to toe in period costume, Kate looks incredible in a plunging silver corset which has a dramatic shoulder detail during one of three upcoming commercials.
Scroll down for video
Silver siren: Kate Upton shows off her assets in a corset in an upcoming trailer for new computer franchise, Game Of War: Fire Age
Silver siren: Kate Upton shows off her assets in a corset in an upcoming trailer for new computer franchise, Game Of War: Fire Age
She wears matching armoury style wide cuffs on her arms and a billowing white skirt. Letting out a giant roar as she fights, the blonde is a force to be reckoned in the newly released short video clip.
Kate seductively invites players to ‘come and play with me in the new clip
‘You can meet some of my friends,’ she says, as a dragon breathes fire through the war zone. ‘They are really excited to meet you.’
As the dragon is slain, she tells the camera, ‘So tell me. Do you want to come and play?’
The 22-year-old sizzles in the new advert in which she asks, ‘So tell me. Do you want to come and play?’
The 22-year-old sizzles in the new advert in which she asks, ‘So tell me. Do you want to come and play?’
Video Rating: 3 / 5

One Direction reveal their celebrity crushes (Harry and Kate Upton)
Video Rating: 4 / 5

Moving on quotes

A person who deals with the people whose heart is broken will probably need a clarification or help before dealing on any aspects. Moving on quotes will seems to be like few words but it has the real power to make a person to understand about the situation and their confidence level increases to face the challenges. People are in need of reminder at regular intervals on how to live a life with a purpose. It is very easy to get a relationship but it is difficult to maintain a relationship for a long run. This moving on quote not only mean about friendship but also in the case of married couples. During recent days, there are various couples who are applying for divorce after living for just few months together.


Regarding divorce, Joseph Campbell have stated a wonderful quote and it says that married couples who have got divorce will enter in to a new life and they will live a different life as well as learn several experience after getting divorce. Another moving on quotes regarding this aspect is that divorced couples are showing interest in doing more marriages and again these people are more likely to apply for a divorce later on in other marriages. One of the famous celebrities has written a moving quote that says “Thinking and worrying about the past is of no use because it has happened. Try to smile because it is happening”. This will suit best to the people who have lost their beloved one or facing some other problems. From this quote, we should understand that what all happened is past and cannot be restored. There is no use of thinking and worrying about the same.


Instead, people can think about incidents that they have smiled because it would help your mind to get divert.

Visit us If you want to read quotes of Quotes on Education and Quotes on History.

SuperBowl 2013: Kate Upton Washes the All-New Mercedes-Benz – in Glorious 3D !!!

SuperBowl 2013: Kate Upton Washes the All-New Mercedes-Benz - in Glorious 3D !!!

Disclaimer: This video is paid for and belongs to Mercedes Benz. No Copyright Infringement Intended. In case the above is not true, Please advice and this video will be removed immediately.
This is the No. 1 Super Bowl 2013 Commercial at the time it was published. In order to watch this video in Glorious 3D, you need to display this video on your 3D Enabled TV.

Click on the small gear (setting) at the bottom right of this video to show the various 3D choices and follow the instruction of your TV to watch 3D video
Enjoy this god given natural beauty of Kate Upton Washing the All-New Mercedes-Benz CLA in Slow Motion, then go buy the MB CLA to continue this beautiful dream…
Video Rating: 4 / 5