Insurance Coverage

Making a Website ADA Compliant

The business world has increasingly grown to utilize the internet for marketing and displaying business information. However, it is often forgotten that not everyone can easily access a computer, website or smartphone app. Many potential clients may not be able to read what is on a screen or be able to click, tap and scroll as needed. Such users make up a strong portion of adults in the United States and need to be provided with the same ability to get information on the internet as everyone else.

What is Accessibility?

The Americans with Disabilities Act (ADA) was written in 1990 and set out to define requirements to make a business accessible to all people. This started out with explaining the accommodations necessary to access a physical building, but has since expanded to include offerings on a website. As explained by, there are multiple aspects that are used to accomplish ADA website compliance:

  • Alternative ways of providing text such as those capable of being read by automated systems.
  • Providing closed captioning for multimedia content.
  • Ability to modify font size and screen contrast.
  • Utilizing the keyboard for all site functions instead of a mouse.
  • More intuitive site design and navigational features.

You have spent a lot of time seeking an audience for the services you offer. Ensure your marketing is accessible to everyone by developing an ADA compliant platform.

Auto Insurance Insurance Coverage

Homeowners Insurance Helps Protect Your Valuable Asset

For many people, a home is their most valuable asset. It is important to invest in home value protection. There are a few things to consider when protecting this asset with a homeowner’s insurance policy.

Exterior Structures

As seen on, property coverage helps you recover losses associated with covered incidents such as fire. However, this extends beyond the actual home to include exterior structures. Some homes have detached garages, workshops, toolsheds, pools and guest houses. Include these exterior structures in your home’s value, so they are covered should something happen to them.

Homeowner Liability

When someone steps onto your property, you have increased liabilities should something happen to them. They can sue you to cover their medical payments. A lawsuit can result in a huge financial loss without adequate insurance to help cover those costs.

Unexpected Expenses

While many homeowners worry about replacing or repairing damage caused by a disaster, there are additional items that can strap homeowners. For example, damage to the home can result in the home being unusable for months. Paying for temporary lodging can get expensive.

Home value protection is more than simply covering the purchase price of the home. When evaluating your homeowner’s insurance policy, be sure to ask about additional coverage options. Carefully consider all items on the property worth value in your policy.

Auto Insurance

Determining Cost of an Auto Insurance Policy

Being in the market for a new car can be an exciting time. You do your research, then visit the showroom and hopefully drive away with your vehicle of choice. Inevitably during this process cost becomes a factor in the decision. However, the focus is usually on the price of the vehicle and not the total cost of ownership. This can include things such as maintenance and repair costs, as well as your auto insurance policy.

What Matters to an Insurance Carrier?

The knowledgeable experts at Allegiant Insurance Services have put together an auto insurance checklist that can help understand what factors into the price of coverage. Include these items in your vehicle research so you can have a better idea of what overall monthly cost may be:

  • Sticker price – Typically the higher value a car has, the more it will cost to insure.
  • Repair cost – Some makes and models have greater parts prices, and others require specialized repair services. Each can play a role in premiums.
  • Safety – Vehicles with a history of injury reduction in accidents can cost less to insure. Additionally, discounts are often given for passive and active safety systems that are present.
  • Probability of theft – If your car is stolen, insurance covers this. Therefore, if your new car is traditionally a hot item among thieves, then you may end up paying more.
Sports Bar Insurance

Minimize the Risks That Come With the Fun of a Sports Bar

Sports bars are known for being high energy environments where sports fans come together to cheer on their team. Victories are sweeter and losses are felt more deeply when they are experienced alongside large groups of like-minded individuals. While this sense of brotherhood is most often a positive connection between guests, the heightened emotions and usually harmless banter between opponents can sometimes turn sour. Even without any kind of altercation, excitement and alcohol could make accidents more likely and put an establishment at risk of claims by involved customers. It is critical to have the right protections in place, so managers and patrons alike can enjoy the atmosphere that draws people together at the sports bar.

Components of Comprehensive Sports Bar Insurance

Because so many incidents are possible in a sports bar environment, it is important for owners and managers to make sure they have the right kinds of coverage. The liability experts at RMS Hospitality Group affirm that there are five main elements of coverage a sports bar should have:

  • General liability
  • Excess liability
  • Liquor liability
  • Assault & battery
  • Products & completed operations

With an insurance policy that includes these types of coverage, you can put your mind at ease and be confident that you are protected from claims that may be the result of enthusiastic fans that take things a bit too far.