liability insurance
The following blog posts have the category Liability insurance
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As the back-to-school season approaches, the excitement of a new academic year fills the air. Parents are busy shopping for supplies, students are anticipating meeting new friends and teachers, and everyone is settling into the routine that comes with the school year. However, amid all this excitement, there's an important aspect of preparation that often gets overlooked–insurance.
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Golf carts are a convenient and fun way to get around the golf course, neighborhood, or even certain urban areas. However, like any vehicle, they come with risks that require attention. Whether you're a seasoned golfer or just using a cart for a quick ride, these golf cart safety tips will help you stay safe while enjoying the convenience they offer.
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Whether you specialize in carpentry, web design, or accounting, the availability of online resources and professional networks enables almost anyone to engage with potential clients and manage essential day-to-day business tasks independently. This growing pool of freelancers and self-employed professionals has simplified the process for employers, making it easier than ever to hire independent contractors to fulfill specific business needs.
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Having adequate RV insurance is essential to protect your investment and peace of mind while traveling. As with auto insurance, your rates are based on the make and model of your RV, your driving history, and other factors. You may have the option to add RV coverage to your regular auto insurance, but this isn't always recommended. Because your RV is both a home and a vehicle, it may require specialized insurance to provide the right kind of coverage. Each person's RV insurance needs are unique, so choose a policy tailored to your specific requirements and budget.
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Personal Umbrella Policies are liability insurance policies with very high limits of protection, typically starting at $1,000,000. They are designed to add a layer of protection above other kinds of personal liability coverage such as the liability protection found in a personal auto, homeowner or boat insurance policy. These kinds of policies are meant to protect you should you be deemed legally responsible for injury to persons or property. Personal injury can include non-physical injury like libel or slander.
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As a business owner in Pennsylvania, you have the option of hiring contract or permanent employees – and many more businesses are using contract workers while sorting out the uncertainty in the economy. A contract employee is essentially a freelancer who has agreed to work for you for a mutually-agreed upon period of time, which may be extended if you see fit. A permanent employee has been hired with the understanding that he or she will go on working for you until a termination or a resignation. Both types of employees have their advantages and disadvantages. Some of the advantages of contract employees, however, are illusory.
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We've said it before: the distinction between a small and large business is somewhat arbitrary. At what point in the business growth life cycle do you cross over? One way to answer the question is when your business no longer qualifies for a Business Owners Package Policy. The BOP bundles up several kinds of insurance protection in one policy. But as business become larger the risks they pose become more varied and difficult to address in one policy.
An impending lawsuit is never good news. Not only are they costly, but, perhaps worse, they can permanently damage a company's reputation, an expense no business can easily afford during highly competitive consumer and employee markets like the current. While companies are sued for a range of reasons, there are a few recurring culprits that can be avoided with appropriate planning, clear communication, and due diligence.
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For any homeowner, a robust insurance policy is a must. But if you're new to homeownership, or if you're thinking about updating your policy, you may not know much about what it does and doesn't cover, along with how to find the best policy for you and your family.
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For a small business owner, having to let go of employees is never easy. When employees have become like friends or even family, it can be especially tough to make a decision to do what's right for your business. So how do you know when it's time to let people go, and how do you downsize in the most humane way possible? Here are some things you should consider before downsizing, and some tips for going through the process.
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This fall, we're heading into an unknown future with the COVID-19 virus. While some schools are doing their best to re-open, other schools and some parents have decided it's best for kids to stay home, at least for now. As adults, we know how to social distance, wash our hands, and do whatever we can to minimize our risk of infection, but these practices are harder to enforce with kids and teens. Whether or not your kids are going back to school in the fall, here are some things you can do to keep them healthy.
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Getting married this summer? Read on for ways that marriage affects insurance and other financial considerations to handle before tying the knot...
Opening a restaurant is a lifelong dream for some small business owners. And as with starting any business, it takes a lot of guts, not to mention blood, sweat, and tears, just to get it up and running.
Your roof needs to be replaced. The kids have been begging for a pool and you've finally succumbed to their incessant requests. You've decided to remodel your outdated bathroom and kitchen. Any change to the structure or use of the property will, more often than not, change your policy. However,you'll never know until you contact your insurance company, which you should do before any type of home renovation.
No topic gets more attention at our office than Risk Transfer /.Additional Insured Provisions / Waivers of Subrogation etc.We've written on here alot about the topic and there are a lot of other good resources on the internet. Some of our blogs on the topics of Additional Insureds and Waiver of Subrogation can be found here:
It seems like a lot of people have a side hustle these days, a way to make some extra money or pursue the things that really strike their interests. And plenty of people have turned even their most unusual hobbies, dreams and ideas into full-time careers. So how do you know if you'll be able to successfully make the leap from employee to entrepreneur? Here are a few things you might want to check off the list before giving your two weeks' notice.
So you're thinking of buying a pool and imagining those lazy, hot summer days when you'll get to slip into the cool water, sunbathe, play with the kids, and invite friends and neighbors to share in your good fortune. But there's more to owning a pool than just the fun stuff. Make sure that it's truly something you want and are willing to put in the work to maintain. Here are a few things to consider before you "dive in" -no pun intended.
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According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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Picked up a news article on the net reporting ACE Insurance Company's purchase of Chubb Insurance Group.These are two giant insurance carriers with a lot of similarities and the merged entity will be an even more significant force in our industry.Here is a good article in Property-Casualty-360 that details the transaction, which is still pending regulatory approval.The approval and merger process is expected to take about a year and the new entity will operate under the venerable Chubb name (ACE is only about 35 years old).The current companies both write both Personal Lines and Commercial Lines and some of their overlapping niches include International coverage and heavy commercial risks in both Property and Casualty lines.The merged entity would benefit from Chubb's successful retail and mid-size commercial ventures and from ACE's successful wholesale and General Brokerage ventures.IMHO the merger is similar in size and nature to St. Paul's acquisition of Travelers where Travelers is actually the surviving trade name and entity... it should be interesting watching this develop.
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We're not Attorneys and we know that; however, we are often called on to review contracts from our clients and their vendors and we are glad to do that from a Risk Management and Insurance perspective.One of the areas that comes up all the time (and more frequently these days) is Hold Harmless Agreements or Indemnity Agreements.
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