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What do real estate firms, golf courses, law offices, banks, farm owners, contractors, dry cleaners and gas stations have in common? Exposure to environmental or pollution lawsuits. Companies that deal with the transfer and storage of hazardous materials, like waste haulers, or fuel oil distributors all have an obvious need for insurance against environmental hazards. But businesses involved in property sales transactions (banks, realtors, lawyers) can pick up the pollution liability that comes along with the subject property. Many businesses use chemicals and substances that are benign, when confined to intended purposes (golf courses, farms, dry cleaners). But improper storage of these materials, inappropriate use, or run-off (pesticides and herbicides) can lead to environmental damage, personal injury and a lawsuit.
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No matter if your food service establishment is a cafe, deli, diner, or upscale restaurant, all such businesses share certain common risks.
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As winter starts to set in most of us will be spending more time indoors. Now is a good time to review this checklist for safety, comfort, and savings. Around your home...
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See Also: Insurance Company Claim Phone Numbers and Website
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See Also: Insurance Company Claim Phone Numbers and Website
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According to the National Highway Traffic Safety Administration, driver distractions are a contributing cause in approximately 25 percent of all motor vehicle crashes or about 1.2 million accidents. However, distractions can be hard to quantify, and the number of accidents due to driver distractions is difficult to define. What can further complicate matters is that there may be more than one distraction, such as texting while chastising a child in the backseat. Cell phones are considered one of the leading driver distractions. As a result, more communities are placing restrictions on drivers' use of cell phones. And more states are now passing laws banning the practice of texting while driving. The U.S. Congress is even considering a federal law related to this ban. The following tips are offered to motorists in regards to cell phone use in vehicles.
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Yes. Floods, earthquakes, and acts of terrorism are typically not included in coverage.
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Risk management is the process of identifying, assessing, and controlling risks to an organization. It is important for businesses of all sizes to have a risk management plan in place to protect themselves from financial losses.
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Carbon monoxide (CO) is often called the “silent killer” for a reason — it’s invisible, odorless, and tasteless, yet can be deadly. According to the U.S. Consumer Product Safety Commission, more than 200 people in the United States die each year from carbon monoxide poisoning, most often due to malfunctioning gas appliances. The American Medical Association reports even higher numbers and identifies CO poisoning as the leading cause of accidental poisoning deaths in the country.
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Business Interruption Insurance (BII) is an often overlooked insurance coverage that protects against exposures to loss every bit is vital as fire or litigation.If your business is forced to close your risk is not limited to temporary loss of income, which can be devastating in and of itself.You also run the risk of losing customers who turn elsewhere for their product or service needs.You may have difficulty paying key suppliers during an income interruption causing further long term loss as those suppliers sever their business relationship with your company.
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