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Do You Need Builders Risk Insurance
Coverage of this type pays for expenses associated with damage and loss that occurs on your project site. It safeguards your tools and equipment on the job site and helps cover damage while the work progresses. Included protections vary but typically cover costs stemming from the following incidents: Vandalism Theft Wind Fire Hail Lightning What Are Some Policy Exclusions? There… read more
Types of Claims Nonprofit Liability Insurance Covers
Even though many types of social services would not exist without them, nonprofit organizations are often targets of lawsuits that threaten their ability to serve. Here are some legal claims that nonprofit liability coverage protects against. Personal Injury If anyone becomes injured on the premises, liability insurance pays for medical bills. Even if your facility appears completely safe, people can… read more
Protecting Your Waterfront Business With Sensible Insurance Coverage
Operating a business near large bodies of water can be a very lucrative path in life. Naturally, it also comes with plenty of obstacles. When your business offers services that involve renting watercraft to customers, it can create a number of difficult situations. Should someone incur injuries or damage the watercraft itself, you absolutely want to make sure your insurance… read more
Why You Should Consider Purchasing Dump Truck Insurance
Dump trucks have been and will likely always be the workhorses of the construction industry. They come in many different designs but all strive for the same goal: to carry cargo in the safest and most efficient manner possible. Dump truck operators rely on their trucks they operate for their livelihood so any days where their truck is inoperable end… read more
The Advantage of Liquor Liability Insurance
If you own an establishment where liquor is served to customers, you may need to take more precautions than most businesses. This is where liquor liability insurance comes in. This type of insurance provides protection against injuries and damages caused by an overly intoxicated individual. It can cover legal fees, settlements, and even medical costs. Protection Against Third-Party Bodily Injury… read more
What Your Business Needs to Know About Manufacturing Insurance
While businesses are required to carry worker’s compensation coverage, the cost depends on the type of business. The manufacturing industry carries some of the highest risk and the highest pay options. When it comes to choosing the right workers’ compensation policy, there are a lot of considerations. Workers’ Compensation Considerations When considering your workers’ compensation coverage, you have to take… read more
Examples of How Libraries Assess Risk
In a perfect world, the library would be a safe place where nothing bad ever happened. This is not the case, however, and unforeseen events put patrons, staff, and the library building in jeopardy. Here are examples of two types of common hazards and ways to assess the risks they pose. Natural Disasters One library risk assessment example is that… read more
2 Primary Reasons Michigan Homeowners Should Protect Their Property With Specialized Insurance
Michiganders are well aware that the Wolverine State is a beautiful place to own a home, but if you have property there that you haven’t protected with insurance yet, you may want to look into getting home insurance in Ann Arbor. Homeownership has numerous benefits but comes with some possible risks as well, which you can help mitigate through specialized… read more
What Is Employee Benefits Liability Coverage?
All businesses need general liability insurance, and many also choose professional liability. Employee benefits liability insurance coverage is yet another important policy that can mitigate financial risks associated with employee benefits. Here is how it works. Definition of Employee Benefits Liability Liability insurance is broadly defined as protection against legal claims of personal injury or destruction of property. When applied… read more
How To Successfully Manage the Risks of Welding
Welders are on the front line of the workforce. They are quite literally responsible for holding our infrastructure together. However, welding comes with a certain amount of risk. When you are literally playing with fire, anything can happen. Luckily, there are a number of welding risk management strategies you can utilize. Protect Yourself From Electrocution Welding devices are very capable… read more