How to avoid party fouls when renting out your clubhouse.
It’s all fun and games … until somebody gets sued. How to avoid party fouls when renting out your clubhouse. by Gina Fee Senior Commercial Lines Marketing Specialist Birthday bashes, going away shindigs, surprise parties, dinner, cocktail and pool parties, …
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Ride Sharing and Insurance
Ride sharing (Uber & Lyft) present some insurance issues to their drivers. Uber has a policy that covers the driver/vehicle owner for liability and physical damage while working for Uber AND while a passenger is in the car. Coverage is …
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Uber… does my personal auto policy cover me?
Does my policy cover me while using my personal vehicle for Uber or other car sharing concerns? Most likely not. The personal auto policy Exclusion: “We do not provide Liability Coverage for any “insured” Or that insured’s liability arising …
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Additional Insured…What does it mean?
In today’s litigious society, whether you are a plumber, an architect or a free-lance artist leasing a space for your first exhibition, often you will come across language in a lease/contract stating they must be listed as “Additional Insured”. What …
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Commonly Misunderstood Insurance Terms
We have all had a conversation where a lot of things are said that you just don’t understand or comprehend. And we have all had that conversation with our insurance agent. Not understanding some of the most commonly used terms …
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DID YOU KNOW – Employment Practices Liability Insurance –
Do you have Employment Practices Liability Insurance? This insurance coverage is used to protect you against lawsuits by employees alleging wrongful termination, discrimination , harassment, or other specified employment related exposures. One of the newer types of claims are with …
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Employment Practices Liability
Employment Practices Liability is a type of insurance covering wrongful acts arising from the employment process. In today’s growing litigious society, employment related claims has being increasing steadily over the past 10 years. While standardly larger companies with high employee …
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Could your business still operate?
If your property location had no access to water, electricity, phone or internet…could your business still operate? When most businesses purchase a new insurance policy, or renew their current coverage, they are planning for the worst case scenario. They are …
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Do I really need Directors & Officers Liability?
Do I really need Directors & Officers Liability? Some small business executives believe that this type of policy, called D&O for short, is only for publicly traded companies. This is not true, privately held companies, regardless of size, aren’t exempt …
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Errors and Omissions
Professional liability insurance, also called errors and omissions insurance (E & O insurance), is a form of liability insurance that helps protects your business if you are sued for negligently performing your services. What Errors and Omissions insurance is? Most …
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DID YOU KNOW – “THE NICE GUY RULE”
Most companies allow their employees use of company equipment at their premise to do their side work or a small home improvement job. Some places like Marinas and Construction yards will let employees keep their boats and equipment in the …
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Employee Dishonesty Coverage
You may ask the question, what is employee dishonesty coverage? It is an act of deceit by an employee. Most business carry insurance on their business personal property, but one of the exclusions under this coverage is for employee dishonesty. …
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