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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

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

Myth or Fact: Your Techology Company is Fully Protected Under Your General Liability Coverage MYTH! Often times, owners of companies, specifically technology companies, are not aware of the differences between a General Liability policy and a Professional Liability policy. Unfortunately, this usually means a costly process during the time of a claim.   A Professional

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

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

Commercial Umbrella Insurance Policy A Commercial Umbrella Liability policy is a coverage option that should be seriously considered by businesses of all sizes. Liability claims and court decisions involving millions of dollars are no longer uncommon; any business can be found legally responsible for this type of judgment. A Commercial Umbrella Liability Policy increasingly referred to