The Commercial Line

How Medical Payments Coverage Has Evolved

One of the most important investments a business owner makes is the purchase of insurance. Insurance is a cost-effective form of risk management that enables businesses to protect employees, facilities, finances, operations and patrons in the event of the unexpected (i.e. an accident, fire, natural disaster, etc.).

Landlords: Are Your Tenants Protecting You From Their Third Party Claims?

According to AM Best, the line of insurance at highest risk for loss to a real estate owner is liability. As a landlord, you do not have total control over the condition of a tenant’s premises or how they operate their business. This exposes you to potential risk of property damage or liability from exposures presented by the tenant. Risk transfer is one helpful solution.

When Distributors Face Larger Liabilities

For an agent or an underwriter, a distributor is not typically a difficult risk to evaluate. The client buys products from a manufacturer or another distributor, stores them in a warehouse, and re-sells them to retailers. If there is a U.S. product liability claim, normally the distributor will bring the manufacturer of the product into the case as a defendant (if the plaintiff has not already done so), and claim indemnity from the manufacturer as the party at fault.

Raw Milk: To Pasteurize or Not To Pasteurize?

Should raw milk sales and milk processing be handled by the government? Each legislative session sees more state rules and guidelines surrounding this process; however, the debate continues. Some business owners fight for the freedom to serve raw milk; others see it as unsanitary. Has your operation taken a side?

Golf Course Lightning Safety – Lightning Detection

According to the National Weather Service, “In the United States, an average of 53 people are killed each year by lightning, and hundreds more are severely injured.” Lightning poses a great liability threat to those who work outdoors on a daily basis, like golf course owners and operators.

Food Safety Modernization Act (FSMA)

Each year, the Centers for Disease Control and Prevention estimates that approximately 48 million Americans get sick, 128,000 are hospitalized, and 3,000 die from foodborne diseases.