Category

Liability

General Liability Covers More Than You Might Think

By | bodily injury, Business, Claims, Commercial, Commercial general liability, Employees, Financial, general liability, Insurance, Liability, liability claims, liability coverage, liability insurance, personal injury, property damage, slip and fall, slip and fall accidents

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…

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Alcohol Awareness Training: Be Smart about Serving

By | alcohol, alcohol awareness, alcohol training, bar owners, bartenders, breweries, Business, caterers, Commercial, Insurance, intoxication, lawsuit, Liability, liability insurance, liability lawsuits, liquor liability, Loss Control, restaurant, Risk Management, servers, TIPS, wineries

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…

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Swim Safely: Avoid Dock Shock

By | dock shock, drowning, Education, electric shock, electric shock drowning, electrified water, ESD, Home, Insurance, Liability, Loss Control, Personal, Prevention, safety, Safety Tips, shock, Swim, Swim safety

Summer months should be filled with family fun and many people spend time on freshwater ponds, pools, lakes, and rivers keeping cool. Swimming always comes with risks, but even those who don’t enter the water need to be aware of…

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Things to Consider When Starting a Home Based Business

By | Business, business insurance policy, Central, Home, home business, home-based business, Insurance, Liability, liability coverage, Personal, Risk Management

Starting a home based business might sound appealing (working in your PJ’s, setting your own hours, no boss!!). However, you need to make sure that your business is properly insured. Here are some questions to ask yourself about your endeavor. Wi…

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March Madness is Here – Are You Ready for the Risks?

By | Central, Claims, Education, Home, Insurance, Liability, liability insurance, March Madness, Personal, personal liability coverage, Personal Umbrella, personal umbrella policy, Risk Management, Umbrella

For basketball junkies and non-junkies alike, this is the greatest time of year for college basketball. March Madness has officially arrived! The excitement for the sport is at its highest, and even the non-basketball fans believe they are the next…

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The Next Catastrophic Flood Could Be Coming For You

By | Central, Claims, flood, flood exposure, flood insurance, Home, homeowners insurance, homeowners policy, Insurance, Liability, National Flood Insurance Program, Personal, Personal Flood Coverage, Prevention, Weather

Rain, rain, go away! At least that is what most of us are thinking after a few months, or in some cases, years of heavier-than-normal rainfalls. The U.S. has experienced flooding in areas that haven’t been affected for hundreds of…

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The Next Catastrophic Flood Could Be Coming For You

By | Central, Claims, flood, flood exposure, flood insurance, flood policy, Home, homeowners insurance, homeowners policy, Insurance, Liability, Personal, Personal Flood Coverage, Prevention, Weather

Rain, rain, go away! At least that is what most of us are thinking after a few months, or in some cases, years of heavier-than-normal rainfalls. The U.S. has experienced flooding in areas that haven’t been affected for hundreds of…

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New Valuables? You Might Have New Risks

By | Central, Claims, Education, Financial, Home, homeowners claim, homeowners policy, Household Inventory, Insurance, Liability, Personal, schedule jewelry, scheduled coverage, scheduled personal property policy, theft losses

After the holiday season, many like to start the New Year by organizing new gifts and purchases and cleaning out the closets. As each year goes by and your needs continue to change, it’s easy to forget to update your…

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Don’t Reverse Safe Vehicle Backing Practices

By | Accident, Auto, Central, Claims, Commercial, driving safety tips, Education, Employees, Insurance, Internal Traffic Control in Roadway Work Zones, Liability, Loss Control, Prevention, Risk Management, safe vehicle backing procedures, Safety Tips, vehicle backing, work zones

I hate to admit it, but over the years I have had my fair share of mishaps when it comes to backing up vehicles. From hitting my dad’s car to eliminating a few small trees in the yard, and even…

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