Monthly Archives: June 2017

bar insurance

No Bar Should Serve Unprotected

In the bar and hospitality industry, the combination of drinking and socializing poses risks that, if not covered, could leave our business picking up the liability tab on your own. Operating without bar insurance is not only risky, it’s illegal. Fortunately, working with your local insurer, you can find a policy that protects both your business and your patrons.

A commercial liability policy for bars offers coverage for the risks unique to the food and hospitality industry, such as food borne illness claims and drunk driving liability. Thorough risk assessment and suitable coverage limits allow bar businesses to operate without focusing on the unforeseeable.

Additional coverages can be included into your policy that further protect your bar from undue accountability, including liquor liability, as well as assault and battery protection for security staff. Should a member of your security team or a patron be injured in a security-related altercation, your policy can help cover any injury liability resulting from it. Most general liability policies do not cover these scenarios, making it ever more important that your bar, club or restaurant seek all relevant coverage options.

Don’t wait for the next incident to get coverage. If you’re in need of bar insurance, be sure to speak with a local broker about getting the protection your business needs.

marine insurance

Without Insurance, Damaged Boats Can Be Expensive for Marina Owners

As a marina owner, you typically provide a valuable space for boat owners who may not have waterfront property to store their boats. Unfortunately, you may also be held liable if these boats get damaged. Having marine insurance can significantly help in these situations.

When boat owners leave their vessel in your care, they usually expect that their boats will be in the same shape when they return to it. If they’re not, the marina may be held responsible. Paying to repairs these damages can be a substantial expense. With the proper insurance, on the other hand, you would usually just need to pay monthly premiums and deductible, and the insurance company will normally deal with the rest.

Your clients’ boats may not be your only concern. The marina may have its own boats that it rents out to potential boaters. If they get damaged in an accident or a storm, there may be a severe reduction in profit. Obtaining the necessary cash to get the boats fixed so they can start generating income once again can be extremely important.

Whether you are dealing with other people’s property or your own, damaged boats can lead to substantial loss in income or significant expenses. Having the right marina insurance can potentially mitigate these issues.

 

Allied healthcare services

The Other Kind of Healthcare Insurance

Healthcare is a risky but necessary profession in today’s world. Although healthcare providers are one of the most commonly sought professionals, they are at high risk for lawsuits and abuse allegations, especially when they work with children and older adults. Allied healthcare services require insurance to protect against these potentially disastrous litigations.

Coverage for Community Caretakers

Healthcare providers do what they do because they want to help people. That makes it all the more harmful when someone files charges against Allied healthcare services providers. The time you spend settling litigation takes away from the care you offer to your clients, and paying out costly restitutions and court fees cuts into the funds you use to offer superior care to your patients. To protect yourself and your patients, insurance for Allied healthcare providers should include such categories as:

  • Professional liability to protect against malpractice litigation
  • General liability for non-professional claims
  • Abuse coverage to protect against sexual or physical abuse allegations

Every healthcare provider has different coverage needs based on their risk levels, so not all coverage is the same. Look for a flexible insurance program that’s adjustable to your practice’s specific needs.

Although Allied healthcare services provide an important service to their community, that doesn’t mean there are no risks involved. Keep your practice protected against those risks so you can continue offering your patients the best possible care.

linen supply companies insurance

Keep Your Dirty Laundry Under Wraps With the Right Insurance

Making the most of your business isn’t just about profit and loss; it’s about protection and risk mitigation, and there’s no better way to protect your investment than with linen supply companies insurance. Learn what to look for when shopping around.

Find a One-Stop Insurance Shop for the Dry-Cleaning Industry

A good insurance company can fit your insurance package to your needs, making sure it’s a seamless match for your business. Be sure you have access to these options for linen supply companies insurance:

  • General liability insurance
  • Commercial property insurance
  • Business interruption insurance
  • Equipment breakdown insurance
  • Pollution liability insurance
  • Bailee insurance

Avoid a Stain on Your Reputation

Risk is an inevitable part of doing business, but by securing the right insurance package, you can minimize that risk. Be sure you’re covered in the event of every potential liability, accident, or incident, protecting everything from darning to drapes, from smocks to sheets, with a variety of options for linen supply companies, dry cleaners, and laundry businesses of all sizes. Use a company that can tailor packages not just to your needs but to your budget while offering the same level of quality service.

The moment the unexpected happens, your provider can be there for you. The right linen supply companies insurance can protect not just your assets but your reputation.

insurance agents, workers comp

How to Obtain Workers Compensation for Your Insured Clients

Whether you are an independent insurance agent or work for a larger company that offers business insurance, being able to offer your clients complete and comprehensive coverage can give them greater peace of mind. For some insurance agents, workers comp can be difficult to offer. However, if you want to add such a service via a third party, there are several steps you can take to find it.

Before you can offer your clients workers comp via a third party, it is important to consider what type of business they run. For example, IT workers will need different coverage than a dental or medical clinic might. Understanding your clients’ needs can be an important first step in finding workers compensation coverage.

When it comes to choosing third party workers compensation services, there are several factors you might want to consider. First, you should ask the company in which states they offer coverage and how many different programs are available. The more types of business a company can support, the more complete the coverage might be. Be sure to gather as much information as you can and ask questions before making your final decision.

For many insurance agents, workers comp can be a challenging issue. However, obtaining it on behalf of your clients through a third party can allow you to offer greater coverage.

 

insurance company in Urbana

The Importance of Health and Disability Insurance

A catastrophic illness or traumatic injury can be devastating. Not only will you usually need to spend a lot on medical bills, you may also be unable to work, experiencing further financial burden. Fortunately, an insurance company in Urbana may have the right coverage for you, so you can get monetary support.

One crucial type of insurance that everyone should have is health insurance. Anyone can get ill or experience an accident, and hospital and doctor bills can often costs tens and even hundreds of thousands of dollars. Most people don’t have that type of money lying around to pay for these bills. Your health insurance company, however, can help pay for these costs.

Sometimes, you may get sick or injured so badly that you may not be able to return to work. Disability insurance can help you if this occurs. Your disability insurance company in Urbana will typically provide you with the means to help pay for your bills if you are unable to work due to a physical issue. Disability insurance may also pay for home nursing care and other medical bills that may not be covered by your health insurance.

No one wants to think about getting injured or sick. Unfortunately, these things happen, and you will likely need to find a way to deal with the financial issues that may arise. Having insurance can significantly help.

dog bite liability insurance

Liability Insurance A Must for Dog Owners

With dog attacks estimated at 4.5 million each and every year, as a dog owner, can you really neglect securing a dog bite liability insurance policy? After all, you’re responsible if your dog bites someone and you could be exposing yourself to costly judgments you likely cannot afford to pay if your dog injures someone.

 

You not only have to be concerned if your dog bites a total stranger, but also if a friend or relative is the victim, at the very least you’ll wind up paying medical bills that could cost you thousands of dollars. Keep in mind that children are often the victims of serious attacks, and dogs don’t realize that they just want to play and may become easily agitated.

 

Your home or renters policies may be insufficient

 

While most homeowners and renters insurance policies do provide coverage for injuries related to pets, the amount of coverage may not keep you properly covered. In other words, you might want to purchase a stand-alone policy. In fact, there are homeowners and renters policies that exclude certain breeds of dog so you may want to do a little research.

 

Some insurance companies have been known to deny coverage to many breeds of dog considered to be aggressive by nature. This generally includes pit bulls, Rottweilers, Akitas and Chow-Chows, just to name a few of the more common breeds. Insurers, while sympathetic to your needs, feel the risk is just too great. Again, there are policies that don’t offer adequate coverage, which is why pet owners need to do due diligence when shopping for the proper coverage for their particular situation.

 

Read the contract carefully. While you certainly may opt for the minimum limit for personal liability coverage, which is around $100,000, you may be better off increasing the limit to $300,000, which is often more appropriate, especially if you own a medium sized dog or larger.

 

If you discover that you have purchased a homeowner policy or renter’s policy that excludes canine-inflicted injuries then you’ll want to buy a supplemental dog bite liability insurance policy that covers you in the event that anyone is ever bitten by your dog.