Indianapolis Business Insurance - Bolander and Ianni Insurance

Business Insurance

Running a small business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance, which covers your business from losses.

Your state government determines insurance requirements for businesses. Most states require businesses with employees to pay for workers' compensation insurance, unemployment insurance, and state disability insurance. Your state may require insurance of specific business activities. For example, if you own a car or truck and use it for business purposes, you may be required to purchase commercial auto insurance. Finally, your financial lender or investors may require you to maintain life, business interruption, fire, flood or other types of insurance to protect their investments.

Source: http://www.sba.gov/content/business-insurance

History

Native Americans who lived in the area originally included the Miami and Lenape (or Delaware) tribes, but they were displaced from the area by the early 1820s.

Indianapolis was selected as the site of the new state capital in 1820, the old state capital having been Corydon since the formation of the state of Indiana in 1816. While most American state capitals tend to be located in the central region of their respective states, Indianapolis is the closest capital to being placed in the exact center of its state. It was founded on the White River both because of this, and because of the incorrect assumption that the river would serve as a major transportation artery. However, the waterway eventually proved to be too sandy for trade. Jeremiah Sullivan, a judge of the Indiana Supreme Court, invented the name Indianapolis by joining Indiana with polis, the Greek word for city; Indianapolis literally means "Indiana City". The state commissioned Alexander Ralston to design the new capital city. Ralston was an apprentice to the French architect Pierre L'Enfant, and he helped L'Enfant plan Washington, D.C.. Ralston's original plan for Indianapolis called for a city of only one square mile (3?km?). At the center of the city sat Governor's Circle, a large circular commons, which was to be the site of the governor's mansion. Meridian and Market Streets converge at the Circle and continue north-south and east-west, respectively.The Capital moved from Corydon on January 10, 1825. The governor's mansion was eventually demolished in 1857 and in its place stands a 284-foot (87?m) tall neoclassical limestone and bronze monument, the Indiana Soldiers' and Sailors' Monument. The surrounding street is now known as Monument Circle.

The city lies on the original east-west National Road. The first railroad to serve Indianapolis, the Madison and Indianapolis, began operation on October 1, 1847, and subsequent railroad connections made expansive growth possible. Indianapolis was the home of the first Union Station, or common rail passenger terminal, in the United States. By the turn of the 20th century, Indianapolis had become a large automobile manufacturer, rivaling the likes of Detroit. With roads leading out of the city in all directions, Indianapolis became a major hub of regional transport connecting to Chicago, Louisville, Cincinnati, Columbus, Detroit, Cleveland and St. Louis, befitting the capital of a state whose nickname is "The Crossroads of America." This same network of roads would allow quick and easy access to suburban areas in future years.

City population grew rapidly throughout the first half of the 20th century. While rapid suburbanization began to take place in the second half of the century, race relations deteriorated. Even so, on the night that Martin Luther King, Jr. was assassinated, Indianapolis was the only major city in which rioting did not occur. Many credit the speech by Robert F. Kennedy, who was in town campaigning for President that night, for helping to calm the tensions. Racial tensions heightened in 1970 with the passage of Unigov, which further isolated the middle class from Indianapolis's growing African American community. Although Indianapolis and the state of Indiana abolished segregated schools just prior to Brown vs. Board of Education, the later action of court-ordered school desegregation busing by Judge S. Hugh Dillin was a controversial change.

Sports have been an important part of the growth and reputation of Indianapolis. Pictured here is the RCA Dome, which was home of the Indianapolis Colts for 25 years.

In 1970, non-Hispanic whites were about 80% of the population.In the 1970s and 1980s, Indianapolis suffered at the hands of urban decay and white flight. Major revitalization of the city's blighted areas, such as Fall Creek Place, and especially the downtown, began in the 1990s and led to an acceleration of growth on the fringes of the metropolitan area. The opening of Circle Centre in downtown Indianapolis jump started a major revitalization of the central business district. The city hosted the 1987 Pan American Games.

Downtown Circle Center mall

The 1970s and 1980s ushered in a period of planning and revitalization for the urban core of Indianapolis. Changes came early with the reorientation of the city?s government. Unigov was created as the result of a 1970 consolidation between city and county government. The city of Indianapolis merged most government services with those of Marion County. For the most part, this resulted in a unification of Indianapolis with its immediate suburbs. This caused the boundaries of the city to grow tremendously and would be reflected in Indianapolis? jump to the rank of America?s 11th largest city in 1970. The City-County Building housed the newly consolidated government. At its completion, the City-County Building became the city?s tallest building and the first building in the city to be taller than the Soldiers' and Sailors' Monument. Amidst the changes in government and growth, the city?s role as a major transportation hub and tourist destination was further strengthened with the Weir Cook Municipal Airport receiving its international designation in 1975.

The city and state have invested heavily in improvement projects such as an expansion to the Convention Center, upgrading of the I-465 beltway, and construction of an entirely new airport terminal for the Indianapolis International Airport, which is now open.Construction of the Indianapolis Colts' new home, Lucas Oil Stadium, was completed in August 2008, and the hotel and convention center expansion were completed in early 2011.

Source: http://en.wikipedia.org/wiki/Indianapolis

For more information about Indianapolis business insurance, give us a call at 317-897-7561.

Posted Thursday, September 27 2012 2:40 PM
Tags : indianapolis business insurance, indianapolis commercial insurance, business insurance indianapolis, commercial insurance indianapolis

Source: http://www.bolanderianni.com/blog/indianapolis_business_insurance.aspx

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