Tag: Commercial Insurance

Enhancing Safety Through Ergonomics

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National Ergonomics Month 2018

Did you know October is National Ergonomics Month (NEM)? Yes, it was in 2003 when the Human Factors and Ergonomics Society (HFES) made the decision to reach out to the general public, as well as professionals and students, in the workplace to promote the benefits of ergonomics. Today’s post will serve as a resource for our present and future clients to appreciate that enhancing safety through ergonomics should be everyone’s…

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Is Flood Insurance in Your Forecast?

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Flood Insurance in Your Forecast

Do you ever think about the word forecast? It is a word that is both a noun (a prophecy, estimate, or prediction of a future happening or condition) and verb (to calculate or predict [some future event or condition] usually as a result of study and analysis of available pertinent data). Many start and end each day reviewing forecasts – financial, business, school, traffic and almost always weather forecasts. For…

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Employee Crime Is Real

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Employee Crime Is Real

In a perfect world, business owners would need only take precautions to prevent theft by outsiders. For example, one might install an alarm system, consider improved lighting with security cameras, steel doors, a vault and monitor how much cash is kept on hand. All good ideas which complement a business’ risk management plan. But what about insider theft? Owners of every business, small to large, need to understand employee crime…

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Campgrounds May Be Seasonal – Risk Management Is Not

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Campground Insurance

This coming weekend we will celebrate Labor Day. For most Americans this holiday marks the end of the summer season. And, as such, many seasonal businesses which operate chiefly in the spring and summer months will prepare to close. These types of businesses vary by geographical location, but can include pool maintenance, children’s summer camps, lawn and yard maintenance, water raft excursions, and both public and private campgrounds. And while…

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Product Liability Insurance Helps Insure a Great Life

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Product Liability Insurance

Whether you purchase and use products as a consumer, sell products as part of your business model or manufacture products for businesses and consumers, then it is important to understand how product liability insurance helps insure a great life. For certain, consumers assume a certain level of guaranteed safety with every product (i.e., autos, furniture, food, medicine, appliances) purchased. Businesses which sell products take on the responsibility for the safety…

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Make Time To Consider Business Interruption Insurance

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Business Interruption Insurance

Over the past few years our John Bailey Insurance Agency team has published a number of blog posts highlighting how the right commercial insurance policy can protect your business from events such as theft, property damage, liability, and employee injury. But today we would like you to make time to consider Business Interruption Insurance. Business Interruption Insurance defined It’s easy enough to google the phrase “business interruption insurance” and you’ll…

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May Is Disability Insurance Awareness Month

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Disability Insurance Awareness Month

Have you ever had to miss work because of illness? Most employed and self-employed Americans have an occasional negative health incident that lasts a few days, so they “call in” sick and hopefully their paycheck is not impacted, as personal time off or sick pay covers one for those days. But are you financially prepared if your disability were to last weeks, months or even years? There is a pretty…

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Consider Key Person Insurance For Your Business

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Key Person Insurance

Do you own your own business? Perhaps you have a business partner or partners and maybe each of you plays a critical role in making your business successful. If so, you may want to consider Key Person Insurance for your business. This type of life insurance can go a long way as a safeguard for your succession plan. So, today let’s take a few minutes to outline key person insurance….

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Glamorous Camping Also Known As Glamping

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Glamping Industry

“My wife’s idea of camping is a hotel without room service!” …Anonymous If you’re in a relationship where one of you enjoys the great outdoors and camping, but your partner does not take kindly to backpacking, sleeping bags, bugs, snakes, dehydrated food and no “facilities,” then glamorous camping may be an answer for you. Glamorous camping also known as glamping is not really new, but today’s post will give you…

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Understanding Errors and Omissions Insurance

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Errors-and-Omissions-Insurance

This is tax season. For the ordinary taxpayer the deadline for filing your personal return for the tax year 2017 is April 17, 2018. Why not April 15th? Well, this year April 15th falls on a Sunday and April 16th, according to the IRS, “Emancipation Day – a legal holiday in the District of Columbia – will be observed on that Monday, which pushes the nation’s filing deadline to Tuesday,…

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