School staff members are under a legal responsibility to keep your child and the other students safe during school outings and while on school property. While accidents may happen during a sporting event, a bus ride or extracurricular school activity, negligence that contributed to the incident (on the part of the school or one of…
First time buyers often understand they need a directors & officers insurance policy without fully understanding what kinds of claims this insurance supports. D&O claim examples run the range from oversights to acts of bad faith by the key persons who have been entrusted with the helm of an organization. Policies are available for businesses,…
Commercial marine work can be quite hazardous, and dangers tend only to grow in the winter. The coldest parts of the year present unique hazards, including frostbite in commercial marine workers. Understanding the dangers of the profession — along with ensuring your business carries comprehensive commercial marine coverage — will protect both your company, and your…
Holding a position on a condo board is likely to involve a significant volume of work. Boards are responsible for virtually all of a condo association’s financial and managerial matters. Both prospective and current board members should verify that the association carries adequate insurance to protect them individually. Why Do Board Members Need To Protect…
Not everyone who commits insurance fraud does so intentionally. If you lease property, then it is possible that you may make mistakes that result in renters fraud claims. Avoiding errors can help you prevent future legal repercussions. Common Types of Claims Regardless of your location, there are certain types of claims that you may need…
As a business owner, you understand the importance of choosing a comprehensive commercial insurance plan for your company. You want adequate coverage if a weather event or fire destroys your building and the surrounding property. You also need protection in case you are sued by a client or customer. Determining Your Commercial Insurance Needs A…
As the caretaker of a special needs child, it can be hard to focus on the future. Your time is spent addressing immediate needs and concerns; however, that’s exactly why you need life insurance. Here’s how life insurance for special needs families can ensure your child a secure future. A Whole Life Policy To Protect…
If your company transports various goods in the normal course of business, you may want to look into getting last mile insurance. This unique type of insurance provides essential coverage for transporting goods from any hub to the goods’ final destination and can, in many cases, prove very helpful. Here’s what your company should know…
Running a staffing agency is a bit more involved than operating businesses in other industries. The nature of the work conducted at such firms can be challenging because it involves risks that need to be addressed in advance through insurance. If an issue arises with one of your temporary workers, you want to be sure…
While far fewer Americans work on farms than in the past, agriculture remains one of the most important industries throughout the country. But it also remains uniquely unpredictable: farms and other agricultural operations exist at the mercy of market fluctuations, extreme weather, and unexpected climatic shifts. For these and other reasons, carrying comprehensive insurance for agriculture…
Coastal homeownership carries with it many special advantages. However, understanding how to sufficiently insure your property can get confusing. Educating yourself on coastal home insurance is the best way to keep your investment safe. Here are a few important topics you should consider. Basic Home Insurance Is Not Enough Coastal homes carry with them a…
If you’re in the process of planning your upcoming wedding, you may want to take a moment to look into wedding insurance agents. Although wedding insurance may not be on the radar of some engaged couples, it can provide a significant safety net for your big day. Here are just a few of the top…
Protecting your workers and your assets begins with finding the right insurance coverage for your business. This is especially true in relation to your workers’ compensation plan. If you aren’t fully addressing the risks of your industry through your policy, then you could be leaving major gaps in your coverage. This, in turn, can lead…
The world can be an expensive place. For someone who wishes to appreciate the best life has to offer, those expenses can often be prohibitive. The rise of leases and rentals for top-of-the-line automobiles and upscale properties demonstrates people’s willingness to innovate regarding their enjoyment of life’s finer things. One of the newer services available…
Skilled nursing facilities and nursing homes are state-licensed operations. They care for the elderly, the chronically ill and those on the road to recovery. Being licensed by the state does not change the fact that nursing homes are businesses, and that they are responsible for their actions and any incidents that occur on their premises.…
