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Running a small business in Illinois can bring daily challenges, from minor equipment breakdowns to staff or customer injuries; or damage to your building caused by a storm or break in. These daily obstacles are the cost of doing business, but if you're not prepared, they can keep your business from moving forward or even force you to close your doors. That's why every small business owner needs a great business owner's policy (BOP). A business owner's policy combines multiple necessary insurance coverages into one package for a reduced price. Here's what you need to know to find the right policy for your business:
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All Terrain Vehicles, or ATVs, can provide hours of thrilling fall fun. But they can also be extremely dangerous. Over 100,000 people wind up in the emergency room each year due to ATV accidents. Here's what you need to know to be safe on your ATV, and to help prevent injuries to yourself and others:
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Americans love their stuff. And most of us have things in storage somewhere: the garage, attic, basement, or a storage unit off site. But what's the point of having all these things if they never get used, looked at, or if you can't even remember you have something you need when you actually need it? Here are some tips for downsizing, organizing and storing your stuff in a way that makes sense:
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There are many reasons you might have additional buildings or structures on your property. Often, these buildings will be covered by your homeowner's insurance. But in some cases, it makes sense to buy more or different coverage for these buildings or what's inside. Here's everything you need to know about insuring other structures on your property.
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Having a seasonal home in your favorite vacation spot is part of the American dream for many families. But a seasonal home requires maintenance and protection, which is difficult to do when you're not there most of the time. Since second homes and vacation homes often sit unoccupied for months, they can be a target for theft and vandalism. Plus, if a problem occurs, you might not be around to catch it before the damage becomes serious. For these reasons, second homes often carry more risk from the perspective of an insurance company. But that doesn't mean a second home can't still be a great investment. Here's what you should consider when purchasing and insuring your seasonal home.
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