Tag: Commercial Insurance

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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Insuring Multi-Family Dwellings

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Insuring Multi-Family Dwellings

Last summer we read with interest a new report by the Pew Research Center. After reviewing Census Bureau housing data, it was determined that currently more U.S. households are headed by renters than at any time-period since 1965. The reasons for this are many and perhaps you have noticed in your own state that the number of multi-family dwellings has increased in the last decade. This is a good indicator…

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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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