What’s your plan for Sunday’s big game? Whether you are throwing a party with friends or throwing touchdowns like Tom Brady, there are risks for the battle of the pigskin. Insurance makes the game of games happen and customizing insurance needs for the stadium, players and even armchair quarterbacks can protect from unforeseen threats. So what does it take to insure one of the biggest events of the year? Here are five insurance safety risks for Super Sunday inside and outside of the stadium. Out of Town Visitors Attention Minnesota residents looking for a little extra cash! Homeowner’s policies […]
The Commercial Line
If you’re in the travel and tourism industry, the highly publicized and anticipated Shark Week could come with an increase in excursion sales for adrenaline junkies hot off their couches. While the uptick in business is great, tourism insurance for excursions is necessary. Water Sports Water sports and activities are popular, but they’re also potentially dangerous. More than 3,500 fatal drownings are reported in the United States annually. 50 percent of drownings victims treated in emergency departments required additional hospitalization and care. Your insurance agent can help answer the following: How insurance for water activities can protect your business […]
A staggering 70 percent of undergrads set aside time to work during the school year, and with good reason. With living expenses and tuition bills to foot, students can use the extra money and are often eager to accept temporary jobs. Businesses near campuses, like restaurants, fitness centers, tutoring facilities, or retail stores actively recruit college students for part-time jobs. Why? Because students are an ideal fit for part-time employment, especially for seasonal positions that offer minimal and flexible hours. Regardless of their age or number of shifts worked, student employees are still the responsibility of their managers. Should something […]
From San Bernardino, California, to Ft. Hood, Texas, to Newtown, Connecticut, tragic shooting incidents have no geographic boundaries and no rational motives. And businesses and property owners across the country should be aware that most of these incidents occur in commercial or educational environments.
Until this year, provisions under the Employee Retirement Income Security Act of 1974 (ERISA) only governed employee benefit managers of companies with more than 100 employees. But that changed in January 2016, when the federal law expanded its coverage of mid-sized businesses.
With manufacturing technology expanding exponentially and entrepreneurial ideas flourishing, a number of new products have been created and existing products are being modified to meet the needs and desires of today’s consumers.
A subcontractor seriously injures himself with a circular saw at your place of business. Or a roofer starts a fire while performing work at an apartment complex you own. In either case, you and your insurer could be held financially responsible if the contract you entered into contained wording that transferred responsibility back to you.
Work in progress reports from contractors are usually considered “business as usual.” But there are two times when underwriters would have concerns.
Suddenly, everyone has a drone — or at least it seems that way. An estimated one million unmanned aircraft will be sold for the holidays this year alone. And while many will be used for personal entertainment, drones are also being used for commercial purposes including mapmaking, emergency response, aerial photography, crop management and real estate appraisal and surveying.
The first documented use of alcoholic beverages was written in Sumerian around 3200 BC. Since then, practically every civilization has consumed alcohol in largely the same way: by drinking it!