Which commercial insurance options are best for small businesses?

Lifetime investments deserve protection. When you have a business that you have spent years building, you want to ensure that a small incident will not destroy everything that has been established. Here are a few options for small business owners searching for the right commercial insurance.

Business Auto Protection

Company owners with vehicles that are used during daily operations should invest in a business auto policy. Protection covers financial losses if a company car is involved in an accident that causes personal injury or property damage. Higher limits are given to business owners so that little, if any, financial strain is placed on the entrepreneur in the instance of an incident. Business auto protection is ideal for those looking to cover property that moves frequently and travels long distances. Entrepreneurs with small fleets would especially benefit from a policy.

Commercial Building Insurance

Perhaps your business is not on the road. Commercial building insurance may be the perfect fit for your lifetime investments. A policy covers the structure that houses your company so that you don’t have to worry when floods and other disasters occur. Retail shops are lifetime investments that should not be left to chance when accidents happen. Commercial building insurance provides peace of mind in knowing that your business’ structure and the products inside are protected when tragedy strikes.

Commercial General Liability Insurance (CGLI)

Much like liability car insurance, Commercial General Liability Insurance (CGLI) provides a complete package that protects a small business owner from personal financial obligation. Personal injury, property damage, and natural disasters are covered under a good comprehensive policy. In addition, there is typically the option of having medical payments and legal defense covered by a CGLI policy. Liability insurance is the best option for established companies that would have a number of assets at stake if a lawsuit were filed to cover damages. This sort of protection can also be beneficial to startup businesses that are planning for big returns in the near future.


Importance of Flood Insurance in Arizona

Protecting your home, whether you live in Mesa, AZ or really anywhere else in the country, is important. Chances are, your home is the largest investment you might ever make, so you need to protect it whenever possible. Insurance helps cover your home, but with different forms of insurance you will need help knowing what is right for your home. One such kind of insurance is flood insurance. Flood insurance is very important for your home in Arizona, which is why you need to look into it. At Lifetime Investments, we want to make sure you are properly covered, which is why we include this outline. 

Your home insurance coverage does not protect you against flood damage. Arizona insurance agents with Lifetime Investments are here to help you find the best policy for not only your home but for additional flood coverage.

Accidental Flooding

While storm related flooding happens, it is not the only kind of flooding that may or may not hit your home. Accident flooding is a real issue that can happen to anyone. It is more than just someone forgetting to turn off the faucet in the downstairs bathroom. Perhaps the water heater breaks while you are away or a pipe bursts and you are not at home. By the time you realize what has happened the entire home is under a foot of water. Not really what you want you want to be forced to deal with, which is why having this kind of flood insurance is helpful for your property. 

Arizona Block Party Activity Ideas

Arizona Block PartiesSummer is supposed to be fun, but sometimes the heat can cause members of Arizona Communities to have their creativity stifled just a bit. To respond to that, and encourage more Arizona summer fun with block parties, this post will fill in all the gaps to that creativity.

One of the resources I found, and mentioned in a previous post was the rich content found on Evite!  Whether you plan to fill your street or gather friends and neighbors in your own backyard, following the tips for the neighborhood block party will make it easy to send out invitations, decide on decorations, and plan activities for adults or children – a recipe for a successful summer event – right in your own backyard!

Purple Trail was another interesting site, with a plethora of ideas on meeting the neighbors, getting the right permits, creating flyers and invitations, inexpensive decorations and plenty of food ideas.  You really have to check this out!

Budgets are tight; there is no reason for tempers to be the same.  Start a little fun in your community – based on everything needing to be frugal. Just the resource for you here… from the Simple Dollar! You will find pretty much everything you need to plan a frugal party. The primary article, Seven Tactics for a Fun and Frugal Block Party will get you started in the right direction.

Jan Vitale
Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years

Arizona Block Parties (2016)

Block parties!  Arizona communities seem to have a natural affinity for them and it made me wonder just how many rich resources there were out there to:

  1. Find them
  2. Create them
  3. Best manage them
  4. Meet city guidelines for them

The following should add to your summer fun as you make a shift in traveling outside the city to get away from the heat – and find a way to enjoy it – along with others!

If you don’t want to put together an event of your own, but feel the need to get out and socialize, check out EventBrite

I found a nice list of events held in Glendale but the only ‘block party’ type of activity was:  Glitter & Glow Block Party  Saturday, January 7, 2017  4 – 10 p.m.

The Phoenix Mad Decent Block Party seems to be a pretty popular event and is repeating a massive 2-day music festival on Friday, September 16th & Saturday, September 17th at Rawhide! The Phoenix stop for this summer’s biggest EDM tour, is one of only two multi-day MDBP events…so don’t miss out! This show is 18+.

Headlining Artist include: Diplo, Aluna George, FKI IST, Jackal, Tchami, Baauer, Flosstradamus, Justin Martin, Le Young, Lil Dicky and more!

I was pleasantly surprised at the ‘help’ offered by Scottsdale – to encourage block parties through its GAIN program.  If you live in Scottsdale, you really owe it to yourself to take the fullest advantage of using this program to make a big difference in your summer fun!
Getting Arizona Involved in Neighborhoods is an annual event designed to unite neighbors and communities to help create safer neighborhoods. Formerly known as National Night Out, G.A.I.N. encourages residents to get together in their respective communities to promote safety, neighborhood communication and celebrate the successes of crime prevention through community involvement. 

If you don’t know where to start, you might want to connect with Sunny95.com

Sunny 95 Neighborhood Block Party

Arizona Block PartiesIf you think your neighborhood would be a great place to host one of its neighborhood block parties, fill out the online form and tell them about it!

If you live in Peoria, and want to get in on some fun in june… you might want to check on PB3AZ …

Jan Vitale

Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years

Just in case you missed my earlier post about summer block parties… you can find it by clicking here, and taking in all the resources listed there!

ARIZONA Communities love Block Parties!

 It is true, Arizona communities love block parties! I have been really happy to have found so many ideas and resources for those of you who find it just short of impossible to get away this summer. Budgets are tight, schedules are cramped, kids too small or in too many other summer activities. So… why not have a Block Party!

I remember the days my kids were small, it was difficult at best to plan any thing major for summer, but… summer is supposed to be fun. We all get excited about it – especially in Arizona communities where we can have all day swim fests, stay up way past bedtime and sleep in late as we catch up on all the community socializing we miss during a busy school year.

The idea of throwing a block party is one of those things that really is limited only to one’s imagination as neighbors band together, find a “sponsor” for the perfect, affordable summer treat, and plan barbeques and potlucks that can be amazingly created from the barest of cupboards. No need to drag the kids along to shop… no endless hours at a hot stove. Light, cool, and quick are the order of the day as communities make the transition from rigid schedules to summer fun.

There are, of course certain requirements to which we must adhere. I researched and listed below the links to the cities who openly provide Block Party Rules. I trust you will get excited when you see they are not as restrictive as you may have thought! You can click right through to your city – or – write down the URL to save for later as you plan your summer fun.

Block Party Guidelines (by town)



City of Scottsdale








Town of Gilbert


Games and more…

Want to find games for the kidlets to play? Check out a great Pinterest Board:


Alpha Moms are another great resource for activities:


And… Party 411 has some real inspiration for themes and other fun!


 Enjoy your summer!

Jan Vitale
Independent Insurance Agent
Proudly serving her clients and her industry for 30+ years