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A Broad View of Risk – Part Two

Monday, 11 November 2013 by

A Broad View of Risk – Part Two Please See Part One of this article The old adage that “there’s nothing new under the sun” does not apply to today’s world of risk management. It has been decades since proper risk management meant merely identifying losses and finding ways to get reimbursed. True risk management

A Broad View of Risk – Part One

Monday, 04 November 2013 by

A Broad View of Risk – Part One It’s a dream. You’re inspecting your business just moments before a planned opening. The service counters gleam, your inventory is varied and properly displayed, your employees are experienced and service-oriented, and the location is prime and likely to consistently attract traffic. You marvel at the floor plan

Pros and Cons of Personalized Insurance Services  Independent insurance agents, unlike insurance agents employed by a large national insurance provider, have access to many insurance companies. Agents who work for a big insurer can only offer you insurance plans provided by their company. Independent insurance agents, however, work for you, and they have access to

Equipment Breakdown Insurance

Thursday, 08 August 2013 by

Equipment Breakdown Insurance An Equipment Breakdown Coverage policy handles a substantial loss exposure to items such as unfired vessels – Air, steam or water tanks, refrigeration systems, rollers, steam pressers, ironing equipment, steam cookers, generators, chemical processing tanks, motors, switches and controls, compressors, pumps, gears, etc. because commercial property policies typically exclude losses involving machinery

Piracy- Part Two

Thursday, 11 July 2013 by

Piracy- Part Two In Piracy – Part one we discussed what was meant by maritime piracy. In this part, the discussion focuses on its financial impact, a more efficient way to define it and what methods are used to counter its harmful effects. Financial Impact While international figures concerning the impact of piracy and related

Unfair Claims Practice

Monday, 08 July 2013 by

Unfair Claims Practice Requesting payment for a loss under your home, auto, boat or other policy is the major reason for having insurance. You have paid your premium with the assurance that, should an eligible loss occur, you or your property will be protected. Faithfully handling your premium payments gives you the expectation that your

Piracy- Part One

Monday, 01 July 2013 by

Piracy- Part One Though it may strike you that piracy is a crime relegated to history; it continues to be a current problem that is growing on a global scale. Increasingly, rightful property owners are being deprived of both their property and the opportunity to profit from their work. The loss caused by modern piracy

Liquor Liability Coverage

Tuesday, 18 June 2013 by

Liquor Liability Coverage Many businesses have the majority of their exposures against lawsuits covered by a standard, general liability policy. However, business owners and managers often overlook their responsibility for losses related to alcoholic beverages. A typical liability policy for a business excludes losses that involve: causing or contributing to the intoxication of any person

Employment Practices Liability

Thursday, 13 June 2013 by

Employment Practices Liability Hiring and firing practices are the legal minefields that are best navigated by the use of Employment Practices Liability Insurance (EPLI). It is important that a business has clear policies that are applied consistently to each employee. Such policies must directly relate to their job. Do you know what type of decisions

Home Inspection Business

Monday, 10 June 2013 by

Home Inspection Business A wide variety of businesses are run out of private residences and related structures such as attached or unattached garages, sheds and barns. For additional information on the type of businesses and coverage considerations, please take a look at our other articles on Home Businesses, parts one through nine. Except for very incidental