Insure a great life.

Insure a great life.

EPLI Coverage: Is It In Your Toolbox?

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Employees discuss EPLI Coverage

“Start with good people, lay out the rules, communicate with your employees, motivate them and reward them. If you do all those things effectively, you can’t miss.” This concise business advice was offered by Lee Iacocca. His counsel at first may appear easy enough to follow; however, business owners and managers from doctors, restaurateurs, resort owners, to youth camp owners often find themselves embroiled in claims brought by workers stating…

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Auto Insurance: Questions and Answers

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Auto accident circa 1925 -auto insurance

Did you buy a new automobile in 2019? If so, then you are one of the 17 million people in the United States who made the decision to purchase a new vehicle in the last 12 months. The news is filled with observations about these statistics. The New York Times offered their observations and J.D. Power published a press release indicating that consumers spent $462 billion on new cars in…

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Workers Compensation Insurance – Does Yours Meet The Bar?

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Workers Compensation Insurance Restaurants and Bars

Are you familiar with the French word “couvrir?” In English, we say “cover.” In the restaurant and bar business, the entire staff, owner and/or manager to bus person, understands the phrase “cover” to indicate an “individual diner or the entire meal served to an individual diner.” At any given point in a restaurant or bar shift the number of covers is being tallied. In turn, this number is tracked month…

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Consider Cyber Liability Insurance and Keep Your Business Safe

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Cyber Liability Insurance Keep Your Business Safe

Recently, how many times have you ordered gifts on-line for family members or friends? Perhaps you shopped on Amazon, purchased holiday cards via Walgreens or Walmart, ordered a new TV from Best Buy, or selected a Christmas tree and decorations from Target. Over Black Friday or Cyber Monday it could be you shared much identifying information with your favorite retailer or as a business owner you gathered pertinent information from…

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Insuring A Doctor’s Office Makes For A Better Practice

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Insuring A Doctor's Officeer Practice

Have you visited a doctor’s office recently? Perhaps while sitting in the waiting room you’ve found yourself in the middle of a small or medium sized independent business. Yes, it is a business. Look around and you will see comfortable furnishings and many employees carefully following protective federal and state laws while trying to serve the patients in a timely manner. You might also focus in on expensive equipment both…

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Liquor Liability Insurance – TRAIN Your Staff

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Liquor Liability Insurance TRAIN Your Staff

Over the years our John Bailey Company team has written often about commercial insurance products including liquor liability insurance. If you own or operate a restaurant and/or bar, then understanding liquor liability insurance is business critical. No establishment wants to be caught off guard and face implication in contributing to an untimely fatal crash. Liquor liability laws vary by state and can be updated forcing businesses to face a heavier…

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Restaurateurs: Make Safety Your First Menu Item!

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restaurant and bar safety

Many restaurateurs start with a dream. Maybe they grow up enjoying certain restaurants’ menus. They recall the delight of special meals with their families in traditional restaurants. Perhaps they even found their first job in a local restaurant or one of the many restaurant chains that hire high-school students. They may have worked their way through college as a bus person on the way to becoming a line cook. And…

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Renovating? Don’t Forget to Remodel Your Homeowners Insurance

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Home Renovations Include Homeowners Insurance

Home ownership is a big responsibility and for the majority of homeowners their home represents their largest asset. Many people often view DIY programs and HGTV (headquartered in Knoxville, TN) for creative ideas on how to plan home renovations. After all, keeping a home in good repair and comfortable for one’s lifestyle can be expensive and frequently impacts the monthly household budget and disposable income. In fact, according to the…

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Water Damage Claim – Sudden vs Gradual

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Water Damage Claim-Sudden vs Gradual

Understanding the difference between a sudden vs a gradual water damage claim seems simple. But many insureds experience a rude awakening during a water damage event. Investopedia provides this definition for Water Damage Insurance: “Water damage insurance is a type of protection provided in most homeowners insurance policies against sudden and accidental water damage. Water damage insurance does not cover damage resulting from homeowner’s negligence or failure to maintain the…

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Life Insurance Awareness Month #LIAM19

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Life Insurance Awareness Month #LIAM19

Every September our John Bailey Company highlights life insurance. Some might question why we turn our lens toward life insurance every year. The truth is we understand life happens and a person’s life can change with each passing day. For sure celebrating a marriage can impact one’s insurance needs, as can buying a home, changing professions or employers, welcoming a first child or an additional child or sending your children…

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