A limited liability company (LLC) is a business structure that provides limited liability to its owners. This means that the owners are not personally liable for the debts and liabilities of the business. LLCs are a popular choice for small businesses because they offer the benefits of both a corporation and a partnership. To form an LLC, you will need… Read More »LLC or S-Corporation?
Before COVID, US residents took an average of 1.9 billion trips for leisure per year. If you’ve traveled, you probably already know that taking a vacation requires a lot of planning. Between booking flights and hotels or deciding which roads to take and sights to see, there are a lot of moving parts to a great vacation plan. But as you coordinate your… Read More »Prep Your Home Before a Vacation
As you contemplate the year ahead, have you been thinking about starting your own small business? When it comes to great business ideas, there’s no better time than now to take the plunge. These days, more and more people are starting their own businesses. What’s driving this increase in small business startups? E-commerce has seen incredible growth due to COVID-19.… Read More »Top Businesses To Start In 2022
UPDATE 08/30/2022: As of today we offer abuse and molestation coverage to all professions and services. Follow the link and answer only 2 questions to receive your accurate premium indication: Get Instant Abuse Insurance Indication Now
As parents across the U.S. and Canada grapple with their children’s return to school amid a pandemic, “learning pods” have emerged as a potential solution to meeting kids’ academic and social needs while minimizing contact with large groups.
Two mothers in Delaware County, Ohio recently launched Web Student Services, LLC, a learning pod startup that pairs certified teachers with limited groups, or “pods” of students to facilitate an at-home school curriculum on public grounds. The company has already enrolled more than 70 families, most of whom pay about $90 per week.
Other parents are organizing learning pods with neighbors and hiring tutors or nannies to support their children’s online learning at different homes each week. Others are enrolling in commercial programs, either at existing child care or tutoring centers or other facilities—like fitness centers—that have reconfigured their traditional model to offer child care and learning support services for school-aged children.
Despite widespread need and the potential for revenue these new ventures are not without risk.Read More »Learning Pods – Insurance Risks explained
Warmer weather means more outdoor activities for the whole family, including cooling off in the pool. We want to help you make sure that you, your family and guests are safe. Here are a few tips that can help you stay safe while you have fun:
Always supervise swimmers and have life-saving equipment nearby:
- Maintain secure fencing and a locked entrance around the pool and deck area to prevent access when adequate supervision is not available. Install self-closing and self-latching gates.
- Make sure no one swims alone. Never leave a child unattended in the water or pool area, and make sure less experienced swimmers are always accompanied by a swimmer who has water life-saving skills.
- Equip your door, gate or pool with an audible alarm to alert you if someone enters the pool area or falls into the pool while it is unattended.
- Diving should be prohibited unless a specific area of the pool is designated for safe diving. Water depth and diving-restricted areas should be clearly marked.
- Make sure there is adequate life-saving equipment in the pool area, including life preservers and a rope with life-saving rings, a reaching pole or rescue hook.
Regularly maintain your pool during the season to keep swimmers and sun-bathers safe:Read More »Swimming Pool Safety and Maintenance Tips
Our West Coast readers can skip this post. All other homeowners in the U.S. are aware that with a snow comes snowplow damage.
Mailboxes often are the first objects damaged because of snowplows, and the city ordinance may note that city shouldn’t be responsible for digging them out if they are covered with snow. Many properties sustain damage after a municipal snowplow driver tear apart the entire length of road at the front of residence, damage parked vehicles, lawns. Residents whose property lie beside public roads are reminded not to place any type of private property, including landscaping shrubbery, fences, light posts or mailboxes, in the right of way.
Here is a short video of snowplow literally cleans Brooklyn’s street.
Operation 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
Slips, trips and falls are a leading cause of injury for businesses and workplaces. Employees and other parties on your premises – visitors, customers, vendors, contractors and subcontractors – could be at risk for this type of accident or injury.
It is a common misconception that slip and fall injuries “just happen” and that there is little that can be done to prevent them. Years of experience show that proper slip, trip and fall prevention can help in reducing the number of injuries and in reducing loss costs.
Coverage for barber and beauticians professional liability is automatically included for your “employees” under the commercial general liability coverage form. We have the ability to provide professional liability coverage for barbers and beauticians that are independent contractors – this optional coverage is available for $25 per independent operator under the Additional Insured-Independent Operators form -CG T567 (11-03).
The form does require each operator be scheduled. For additional information, contact us via email or call 877-239-0067
In this article, insurance experts, including Travelers Personal Insurance Vice President Elaine Baisden, recommend reviewing your policies annually and whenever you experience a life event, such as attending college, making a major purchase like a car or new home, getting married, having a child, changing jobs, renovating a home, or caring for an elderly parent. Download this article