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CGL Commercial General Liability

Protecting Religious Organizations: Unique Insurance Coverage to Consider

Traditional coverage religious organizations typically require include:

  • Liability Insurance – liability insurance protects the church when it is liable for damages caused to another or another’s property
  • Professional Liability or Acts, and Errors & Omissions Coverage – protects employees and the church in the event of a lawsuit for an actual or alleged wrongful act in connection with their position at the church
  • Business Auto – if the church owns a fleet of vehicles, they need to explore business automotive coverage
  • Workers’ Compensation Insurance – depending on state laws, churches may need to provide workers’ compensation coverage to its employees.

However, the following two unique insurance coverage are applicable to every religious organization:Read More »Protecting Religious Organizations: Unique Insurance Coverage to Consider

Swimming Pool Insurance and Risk Management Guide

Summer is just around the corner. Weather permitted and people are rushing to swimming pools for fun, workout, recreation. If your facility manages swimming pool (including HOAs), take a moment to review this guide as using swimming pools and spas involves a certain amount of risk. You do not want an accident to spoil the good times patrons have come to expect. Fortunately, most accidents can be prevented, but it takes a great deal of responsibility and diligence on your part.Managing a swimming facility is complex, so this guide is not intended to provide all the answers regarding swimming pool… Read More »Swimming Pool Insurance and Risk Management Guide

April is National Safe Digging Month

Safe DiggingCall 811 before you dig. Whether you’re planting a garden, building a fence or remodeling your home, no project is too small to call 811. Damage from digging is a common cause of pipeline accidents. One easy, free call to 811 Underground Service Alert (USA) at least two working days before you dig gets your utility lines marked so you can dig safely. This free service will notify underground utility operators in the area of your planned work.

Safe digging tips:Read More »April is National Safe Digging Month

Professional Liability Exposures for Home Care Business

Home Care BusinessImagine yourself as one of the more than 10,000 Baby Boomers turning 65 every day. Now imagine having to choose between a nursing home and at-home care. And consider this: 20 hours of in-home services (a week) costs about $18,000 a year versus an average of $70,000 a year for a nursing home.

For many aging Baby Boomers today, this is no hypothetical situation. It is very real.  That is why, according to the Bureau of Labor Statistics, the number of in-home health and personal care aides is expected to reach 1.3 million by 2020 – a 70% increase from 2010. In comparison, the growth rate for the U.S. job market as a whole during that period is 14%.

Explaining this growth spurt for non-medical services is fairly straightforward. Entering the field of unskilled at-home care is easy in that it requires less education with little to no medical qualifications. Consequently, carriers like Atain Insurance Companies have taken steps to address this trend by breaking down home health into two pieces: skilled medical care where you have a nurse or therapist come in and take care of the client, and unskilled non-medical care where people go in and do basic services like cooking, cleaning and grooming. That’s the area where we’ll see a good amount of growth. Typically insurance policy for home care covers skilled and unskilled workers, and if you only provide an unskilled workers services, your insurance premium will be lower.

How to lower your professional liability exposures:
Read More »Professional Liability Exposures for Home Care Business

Meat Tenderizer Safety

Meat Tenderizer SafetyA meat tenderizer is used in nearly every grocery store, and when used properly, they are safe and reliable. But when a machine is in poor repair, or when the built-in safety devices are removed or circumvented, the result is all too often catastrophic. Over the years we have observed a number of situations where tenderizers have been rigged or modified to operate without the protective guard in place.
Read More »Meat Tenderizer Safety

Insurance for Pest Control Services Industry

Are you looking for Insurance for Pest Control Services company?
We understand how to provide a flexible and comprehensive insurance program for risks all across the United States.

Benefits Include:

  • General Liability including Exterminators Liability – Care, Custody,  and Control coverage:
    • E&O Liability – including coverage for financial loss
    • Animal Mortality coverage
    • Jobsite Pollution coverage
    • Sudden and Accidental Pollution Coverage
    • Auto Hazard Pollution Liability Coverage
    • Exterminators Liability: Care, Custody and Control Coverage
    • Pest Inspection Damage Liability Coverage
    • Lost Key Coverage
    • Blanket Additional Insured Coverage
    • Broad Form Comprehensive General Liability Coverage
  • Property
    • Building and Business Personal Property coverage.
    • Business Income and Extra Expense coverage.
    • The backing of a highly rated carrier.
    • Competitive premiums.
  • Umbrella/Excess Liability
  • Automobile – Owned, hired and non-owned auto
  • Directors and Officers Liability

Read More »Insurance for Pest Control Services Industry

Negative Review and Freedom of Speech

Are you buying a fair amount of goods or services online and sometimes wish to leave a negative review? Do you always read the ToS fine print? Have you heard of a so called “disparagement clause”?

If you own a business and are exposed to online reviews think twice before adding disparagement clause to your ToS contract, as such can be found as violating rights of free speech.

Read More »Negative Review and Freedom of Speech

Commercial Kitchen Fire Safety

commercial grade kitchen equipmentOperation of a commercial grade kitchen, many safety considerations should be addressed, including food safety, employee and volunteer safety, and fire safety. This blog post addresses the specific issues associated with providing adequate fire safety for your kitchen.

Commercial cooking operations are defined as kitchens that have cooking equipment that produce grease and grease laden vapors. This includes flat grills, char broilers and deep fat fryers. The typical residential range (electric or gas) would not be considered a grease producing appliance. Other equipment, such as ovens, microwaves and steam kettles also fall into the non-grease producing appliance category. The following is information regarding two of the most common types of equipment that produce grease and/or grease laden vapors.

Deep Fat Fryers

Deep fat fryers are a major cause of kitchen fires. Oil can splash and easily come into contact with an open flame from an adjacent piece of cooking equipment, such as a gas-fired range top. A 18-inch clearance must be maintained between the deep fat fryer and the open flame cooking equipment. If a 18-inch clearance is not possible, a vertical steel barrier extending 12 inches above the top of the deep fat fryer or open flame appliance(s) can be used as an alternative means of protection.Read More »Commercial Kitchen Fire Safety

Fortune 500 Company Suffered Data Breach

If a Fortune 500 company like TARGET can be hacked, what makes you think the average small business won’t be? It is a fact that Data Breaches are on the rise.

A data breach is a loss, theft, accidental release or accidental publication of Personally Identifiable Information (PII) including name, SSN, and bank and credit card accounts.
Any business. small or large, that handles or stores any private business, customer, and patient or employee data is at risk.Read More »Fortune 500 Company Suffered Data Breach

Candle Safety

candle with smokeAccording to Underwriters Laboratories (UL): “Fire statistics show that one out of every three candle fires occurred when candles were left unattended or were inadequately controlled. One out of four fires occurred when a combustible material, such as curtains or a pillow, came too close to the candle.”

As part of your organization’s risk management program, the first duty is to eliminate possible exposures. This includes the use of candles. Unless your traditions require the use of candles, it is recommended that they not be used, or that flameless candles be substituted. Flameless candles are very realistic, battery operated, widely available, and some even come with timers. As with all electrically powered devices, ensure that electric candles are UL listed, so not to trade one fire hazard for another.Read More »Candle Safety