A business however big or small means responsibilities of all kinds. And one thing that every business needs is liability insurance. When you run a business as a partnership or sole proprietorship, it means that your business and personal liabilities are at risk. To protect yourself and family against the financial catastrophes, it is essential to ensure from a policy of corporate responsibility.

You need to consider general liability insurance, that covers legal proceedings related to commercial premises and commercial products, or services. You can use professional liability insurance, if you need to cover companies that are professionals like lawyers, doctors, advertising agencies or creative and so on. Full story…

NEW YORK – Stocks rose for a third day on Tuesday on efforts by euro-zone officials to solidify the region’s rescue fund and alleviate a sovereign debt crisis, boosting optimism.

But equities ended off their highs for the day after a report suggested cracks were emerging in a previously agreed deal to tackle the crisis.

A successful solution to Europe’s sovereign debt crisis would take the pressure off banks worried about funding and remove a threat to economic growth. Rising hopes for an agreement have helped push the SP 500 up more than 4 percent since Thursday’s close.

That’s the biggest three-day percentage gain by the SP 500

since mid-August. So far this week, the CBOE volatility index is down more than 10 percent.

“It’s great to see some steps toward resolution.

Full story…

Soaring gasoline prices are in the rearview mirror.

For the first time in months, retail gasoline prices have fallen below $3 a gallon in places, including parts of Michigan, Missouri and Texas. And the relief is likely to spread thanks to a sharp decline in crude-oil prices.

The national average for regular unleaded gasoline is $3.51 per gallon, down from a high of $3.98 in early May. Last week’s plunge in oil prices could push the average to $3.25 per gallon by November, analysts say.

Economist Philip Verleger equates it to “a stimulus program for consumers,” leaving them more money for clothes, dinners out and movies. Over a year, a 50 cents-per-gallon drop in gasoline prices would add roughly $70 billion to the U.S. economy.

Arthur De Villar, a 48-year-old safety inspector for the Federal Aviation Administration, paid $2.96 for gasoline near his home in Manchester, Mo., a suburb of St.

Full story…

New York Soaring gasoline prices are in the rearview mirror.

For the first time in months, retail gasoline prices have fallen below $3 a gallon in places, including parts of Michigan, Missouri and Texas. And the relief is likely to spread thanks to a sharp decline in crude-oil prices.

The national average for regular unleaded gasoline is $3.51 per gallon, down from a high of $3.98 in early May. Last week’s plunge in oil prices could push the average to $3.25 per gallon by November, analysts say.

Economist Philip Verleger equates it to “a stimulus program for consumers,” leaving them more money for clothes, dinners out and movies. Over a year, a 50 cents-per-gallon drop in gasoline prices would add roughly $70 billion to the U.S. economy.

Arthur De Villar, a 48-year-old safety inspector for the Federal Aviation Administration, paid $2.96 for gasoline near his home in Manchester, Mo., a suburb of St. Louis and he recently replaced his SUV with a four-door sedan.

Full story…

NEW YORK — Stocks are closing higher for the third day in a row on hopes that European leaders are moving closer to a plan to contain that region’s debt crisis.

Germany’s chancellor Angela Merkel said her country would do whatever it could to help Greece. Greece’s finance minister also said that country would receive the next round of bailout loans in time to avoid default.

The Dow Jones industrial average rose 147 points, or 1.3 percent, to close at 11,191. The Dow had been up as many as 325 points earlier. The Standard & Poor’s 500 rose 12, or 1.1 percent, to 1,175. The Nasdaq rose 30, or 1.2 percent, to 2,547.

Five stocks rose for every one that fell on the New York Stock Exchange. Volume was slightly higher than average at 4.9 billion shares.