With autumn settling in, now is a great time to evaluate the hazards in your garage. According to U.S Fire Administration, each year there are 6,600 garage fires in homes. These fires tend to spread farther, go undetected longer, and lead to more injuries and property loss than fires originating in any other part of your home. Most garage fires occur in winter so now is the time to focus on prevention.
Restaurant Operators: Be Proactive about loss control before your next inspection:
Risk manager inspections are typically ordered by Insurance Companies and often happen when a new policy is written or on a fixed schedule.
Any concerns identified by a risk manager inspection should be addressed by the business promptly, as they could cause higher premium costs, or even risk coverage being revoked if not corrected.
By proactively addressing any concerns that may arise during an inspection, policyholders can feel confident in their operations.
Understanding the factors that impact your commercial property can seem overwhelming. Here we have broken down the key characteristics underwriters review when determining insurance rates.
As we move through summer towards fall your air conditioner has likely been working on overdrive to beat the heat. Having it quit now can be devastating as sweltering summer nights make sleeping more difficult. Many people might be disappointed to learn that their homeowner’s insurance may not cover the repair cost.
While ADA lawsuits previously focused on physical access barriers to businesses, in the past few years they have shifted to include cyberspace as well. Lawsuits alleging inaccessible websites and mobile apps accounted for at least a fifth of the total number of ADA Title III lawsuits filed in federal courts in 2019.
With the Supreme Court declining to review the Robles v. Domino’s case, small businesses in the United States continue to be without formal federal guidance on how to make their websites compliant.
Protecting yourself, your employees, your customers and your business during civil unrest.
“I think that you will all agree that we are living in most interesting times. (Hear, hear.) I never remember myself a time in which our history was so full, in which day by day brought us new objects of interest, and, let me say also, new objects for anxiety. (Hear, hear.)” – Joseph Chamberlin; 1898
2020 has certainly brought us “interesting times” as we continue to navigate the far-reaching effects of the COVID-19 crisis and now the civil unrest following in the wake of the George Floyd and Black Lives Matter protests. Business owners continue to face new anxieties over an uncertain future.
Civil unrest creates unique challenges for businesses. Vandalism, stolen or damaged goods, and extensive property damage are just some of the concerns business owners face. There must also be consideration for the safety of employees, customers and themselves. With this in mind it is crucial to take steps to mitigate the potential damages and risks to your business during times of unrest.
As a restaurant operator you know the importance of keeping your establishment clean. You regularly disinfect surfaces and food-prep areas to avoid contamination and the spread of germs and have hand washing policies in place. However, with the rise of the novel virus COVID-19 you may be wondering how you can make your patrons feel safe in your establishment.
When you think of the top causes of home damage what comes to mind? Fire, hurricanes, extreme weather? Chances are water damage isn’t very high on your list of concerns. However, water damage comes in with a staggeringly high frequency of reported claims, just after hail, making it the 2nd most reported cause of loss. It also peaks the top 3 for severity of damage and is in 1st place for single largest payouts.
Social distancing is a great way to help slow the spread of the corona virus. Unfortunately, it can have a great impact on local businesses also as people choose to self-quarantine rather than going out to shop, eat, and socialize.
Here are some ways you can help entice customers to your small business:
Every year millions of people make resolutions at the beginning of the year of ways they are going to improve their lives. Commonly these revolve around diet, exercise, business and lifestyle. While we are big supporters of all positive change, adding a few Insurance Resolutions to the list is a smart choice. Here are 5 Insurance Resolutions to observe in 2020.
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