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…
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…
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…
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…
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…
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…
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…
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…
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…