Football season is here! It seems to evoke a sense of enthusiasm and celebration, especially when your favorite team is playing! Just look at the fans in the picture (the guy in the blue’s team just got scored on, I…
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For those of us in the insurance industry, after a certain period of time, various lines of business, their abbreviations and the specific coverages provided by those lines become embedded into our brains. This occurs to the point where we…
It has become more and more popular that people are owning and running their own business these days. I mean, who doesn’t want to be their own boss? Though, what does that mean for your vehicles and auto insurance? Depending…
Any business that serves alcohol should be aware of their liquor liability exposure. In my travels as a loss control professional, I often consult the owners and managers of restaurants, bars, clubs, event centers, caterers, wineries, and breweries. Al…
“I don’t need a Builder’s Risk policy,” said a contractor. “The money I save I’ll just set aside for any losses.” Little did he know how inexpensive a Builder’s Risk policy can be and how expensive a los…
According to Wikipedia, retail is the process of selling consumer goods or services to customers through multiple channels of distribution to earn a profit. Retailers satisfy demand identified through a supply chain. A retail sale occurs when a busines…
The role of a risk manager within an organization has certainly changed over the years, taking on additional responsibilities as exposures continue to change. At its core, sound risk management consists of identifying the risk, analyzing and evaluating…
Wine making is a trade as old as civilization. As the process has become more sophisticated over time, so have the options available to protect you against loss. As a wine seller, if you don’t have coverage tailored to your specific…
If you’re like many business owners, once you get past the initial sigh and/or eye roll that accompanies the word “insurance,” you immediately start to think of property coverage as well as liability insurance. However, you probably don’t give much……
Whether it’s new construction or a renovation, a residential property or commercial, if you’re building, you need to consider purchasing a Builder’s Risk policy. Some commercial property policies include coverage for this type of exposure, but there ar…