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22 Mar, 2022

Liquor Liability Coverage

Many businesses have the majority of their exposures against lawsuits covered by a general liability policy. However, business owners and managers often overlook their responsibility for losses related to alcoholic beverages. A typical liability policy for a business excludes losses that involve:
17 Feb, 2022

Worker Safety, More Corrective Action

In this article, we continue to share examples and ways to improve dangerous situations.
15 Feb, 2022

Worker Safety

In Worker Safety, Overview we discussed the importance of addressing slips and falls by employees. In this part begin sharing examples and ways to improve dangerous situations.
27 Jan, 2022

Umbrella Vs. Excess Coverage

A business usually will buy liability coverage for two chief areas. One is to handle its routine, premises liability. The second is to handle liability that is related to the actions a business performs away from its premises or that may address its professional-level obligation it owes to others while providing products, goods and services to others. A business that uses vehicles, mobile equipment, watercraft and/or aircraft must consider liability protection for those exposures too.
25 Jan, 2022

Policy Insurance Limits

If you examine the insurance policy covering your business, you'll see an insurance limit. For instance:
09 Dec, 2021

Be A Common-Sense Host

Holidays and special events often include celebrations that bring together families and friends in homes across the country. Food, fun, conversations and spirits flow generously. Unfortunately, such celebrations may be accompanied by injuries and accidents, especially when alcoholic drinks are involved. Increased drinking leads to an increased chance for a personal tragedy and the consequences can be substantial.
07 Dec, 2021

Certificates Of Insurance

Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect the coverage provided by a particular insurance policy. Therefore, requests to "endorse the certificate of insurance" are inappropriate and misleading. A certificate is a separate document that is used to comply with a common contract requirement to verify certain types and amounts of insurance.
08 Nov, 2021

Restaurants and Viruses

A restaurant may have greater exposure to a virus or infectious disease simply because patrons remain on the premises longer than most businesses. Plus, food is typically handled by cooking assistants, cooks, and servers before making it to the customer's table. Restaurant employees' touch many surfaces, creating many opportunities for viral infection.

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