Category: Commercial Insurance

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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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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Why You Need To Consider Earthquake Insurance

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Knoxville TN ariel view consider Earthquake Insurance

On July 4, 2019, the Mojave Desert town of Ridgecrest, CA, was jolted by a 6.4 magnitude earthquake. The next evening the same Southern California area was rocked by a 7.1 magnitude earthquake. These two events were covered intently by every news media outlet, while viewers from around the nation learned that the areas affected were remote with small populations. It was soon determined that the quakes were felt in…

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Youth Camp Owner’s Insurance “Packing List”

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Youth Camp Owners Insurance

Spring is here, and the summer season is right around the corner. Many parents are busy making decisions about whether or not their children will be attending a summer camp this year – if they’re not already putting the final touches on each child’s packing list. Even our local Knoxville News Sentinel recently published “Summer Camps Guide 2019: How to keep kids busy in Knoxville.” If you are having trouble…

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Mind Your Business Commercial General Liability Insurance

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Commercial Liability Insurance

For many businesses, small and large, the winter months are spent organizing, preparing and filing tax returns. After all, March 15th is the federal tax filing deadline for S Corporations and partnerships. If you’re not a business partner or S Corp owner, then it could be that the 15th of March only brings to mind the “Ides of March” – a day the Romans observed as a deadline for settling…

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Commercial Auto Insurance Telematics and ELD Primer

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Telematics-ELD-Rule-Commercial-Auto-Insurance

When the average person considers auto insurance, they’re likely thinking about personal car insurance. But what about commercial auto insurance? Late last year we were struck by an opinion offered by Insurance Business America: “Commercial auto is widely regarded as one of the most challenging insurance markets in the United States.” In response, the John Bailey Company determined that 2019 may be a good time to assist business owners and…

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Risk Management – Is Your Business Connected?

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Technology Smart Sensors Risk Management

Do you own a business? Or perhaps you serve on the risk management team for your employer? Over the years, via our blog and as a service for our John Bailey Company commercial customers, we often discuss new aspects of risk management. Considering the internet of things (IoT) is critical in all aspects of our lives, today we pose a question: Risk management – is your business connected? Predicting and…

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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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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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