Tag: Commercial Insurance

Fitness Centers Need for Risk Control

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Fitness Center Risk Control

Yes, 2018 is here! On New Year’s Eve, many people made resolutions. Articles abound in January on the types of resolutions pledged (although not necessarily kept). In fact, there is a website Statistic Brain that offers the following: In 2017, ranking number 1 for 2017 was to lose weight and eat healthier (21.4%), while 5.5% (number 7) of resolutions dealt with to work out more often. Additionally, Statistic Brain reports…

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Catastrophes And Challenges Impact Commercial Coverage Rates

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Commercial Insurance Coverage and Rates

With the New Year ahead, it’s a good time to glance in the rear-view mirror and consider what businesses and individuals have faced this year from an insurance point of view, as well as what one may face in the coming year. We’ve taken time in the past few months to review items like various homeowner endorsements, flood insurance, and the impact high-tech autos have on insurance rates. We are…

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Do You Understand Artisan Contractors Insurance?

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Artisan Contractor

“He who works with his hands is a laborer. He who works with his hands and his head is a craftsman. He who works with his hands and his head and his heart is an artist.” – St. Francis of Assisi If you own your home or if you rent your home, then you might often marvel at the quality of the craftsmanship and sheer artistry of the finished workmanship….

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Liquor Liability Coverage: A New Year’s Resolution

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Liquor Liability Coverage

It is now November and many commercial businesses should take some time to review their commercial general liability insurance policy. For example, if your business is a resort, campground, restaurant, brewery, distillery or even an event venue, then you will want to make a New Year’s resolution to review your Liquor Liability coverage. According to the Insurance Information Institute (III) Liquor Liability insurance is: “Business coverage that protects your business…

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Understanding Bailee Coverage Protects Everyone

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Understanding Bailee Coverage

During an average week, consumers visit diverse businesses to complete various tasks. Perhaps you need to have your car serviced, maybe you are dropping off clothes for dry cleaning, or you could be in need of having a piece of jewelry repaired. When you are the customer, you become the “bailor,” while the company that temporarily takes control of your property becomes the “bailee.” Both parties have entered into an…

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Don’t Forget Your Umbrella…Umbrella Insurance That Is!

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Umbrella Insurance

No matter our age or where we live, there is a good chance we’ve heard the directive: “Don’t forget your umbrella!” How about you? Can you recall your parent, your grandparent, your sibling, your spouse, or even your child gently reminding you to be prepared for the weather forecast? Today we have a reminder: “Don’t forget your umbrella…Umbrella Insurance that is!” First, what is Umbrella Insurance? Like a rain or…

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Consider 5 Critical Items For Professional Liability Insurance

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Professional Liability Insurance

Protecting your business with the appropriate insurance is critical; therefore, please consider 5 critical items about Professional Liability Insurance (PLI). Sounds simple enough, right? But it might surprise you to know that when starting a new profession or company many business professionals place insurance at the bottom of their “to do” list. Often purchasing Professional Liability Insurance is an afterthought. Before we move to 5 critical items, let’s first define…

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Why Non-Profit Directors & Officers Liability Insurance Is A Must

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Non-Profit Directors & Officers Liability Insurance

It is not unusual for people of all ages to become involved with nonprofit organizations. It could be a local organization, regional, statewide or national non-profit. You might be surprised to learn that, according to the IRS, 29 different types of 501(c) non-profits. and it is important to understand that only five are absolutely able to accept tax deductible contributions. These include 501(c)1, 501(c)3, 501(c) 8, 501(c)10, and 501(c)13. To…

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Insuring Your Home-Based Business

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Resources Insuring Home-Based Business

It’s easy enough to announce you are starting your own business and will work from home, i.e., you will join the 38 million home-based business in the United States. It could be you possess a talent, an invention that you are now ready to market, or you can provide a needed service that you’ve determined will gain popularity. But have you researched and considered all the steps you will need…

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3 Strategies for Purchasing the Right Fitness Center Insurance

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Woman on treadmill

Owning and operating a small business comes with a fair bit of risk. You have to keep an eye on your liquidity, local laws regulating your operations and work to find and retain top talent to keep things running smoothly. And, if you own and operate a fitness center, you know that also demands its own unique set of considerations. From a financial perspective, running your own gym can offer…

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