Light industrial is a term you often hear when discussing commercial insurance, but what does it mean? Typically, light industrial refers to operations such as machine shops, sheet metal work (shop only, no installation), and manufacturing of me…
Boiler & Machinery is an antiquated term once used to describe a separate policy that offered coverage for causes of loss such as mechanical breakdown, electrical surges, explosion of steam boilers, steam pipes, etc. This separate policy was needed…
If you own a business, you may have had your property inspected by a loss control representative from your insurance carrier. If so, they probably asked you, “Do you have a roof inspection program in place? How often do you…
As a long-time homebrew hobbyist and a self-proclaimed craft beer aficionado, I have a deep appreciation for the passion and hard work that goes into creating great spirits. If you’ve managed to turn your passion into your business and joined…
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…
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…
The Fourth of July is quickly approaching. People are stocking up on food, drinks, and fireworks. Fireworks are known for being fun and loud, but they can also be very dangerous. Here are some tips for staying safe if you…
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…
Memorial Day is a day dedicated to the remembrance of those who gave the ultimate sacrifice for our country. Many Americans celebrate with cookouts, parties, and time at the lake or beach with family and friends. Regardless of how you…
Spring is here and summer is coming. As a suburban dad, this means I only have two things on my mind: lawn maintenance and barbeque. Nothing ruins a good cookout faster than a trip to the emergency room or a…