Insurance Design & Placement, Inc. Blog Page 2
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Friday, May 15, 2020 Return to work planning has started for many businesses. Here are some risk management and general management considerations to integrate into that planning. 1. What to keep: This change has hopefully allowed you to do an emergency SWOT (strengths, weaknesses, opportunities, and threats) analysis of your operations. READ MORE >>
Friday, April 17, 2020As many states have extended their stay at home mandates through May it is important for business owners to take a second look at the vacancy provisions of their insurance policies. If you have any property coverages in your insurance policy, you will likely have a vacancy provision which will limit certain coverages if the premise identified in the policy has been vacant. READ MORE >>
Friday, March 20, 2020Here is a list of documents you may need to maintain in order to have a successful business interruption claim Obtain copies of company accounting records and documents related to the business interruption, including, but not limited to: Production records for the base period, the period during the loss and the period after the loss READ MORE >>
Thursday, March 19, 2020Many folks believe they have coverage for coronovirus through either business income or business interruption coverage. More likely than not, this is not the case. Most policies have language similar to this the interruption must be due to direct physical loss of or damage to Covered Property caused by or resulting from a Covered Cause of Loss READ MORE >>
Wednesday, March 18, 2020A few small businesses are staying open during this time to provide crucial services to citizens. For those businesses, an overlying concern is whether they would be covered by the general liability insurance policy if a customer was found to have coronavirus. READ MORE >>
Wednesday, March 18, 2020First and foremost, should an employee report to you that they suspect that they are ill from Coronavirus and want to file a workers' compensation claim your first concern should be the health of that employee, your other employees, your customers and yourself. READ MORE >>
Friday, December 13, 2019From pipes bursting to slip and falls both inside and outside, winter weather increases your risk of loss. Here are some items that require your focus and vigilance during this season: · MAINTAIN PROPER TEMPERATURES- To keep water flowing monitor and document building temperature to 55° F or higher. READ MORE >>
Thursday, November 14, 2019The season of festivals and events is upon us. In all likelihood, your venue will have some special treat for the Halloween or October Harvest celebrations and these may continue throughout the year. Here are some helpful tips to help your event be as delightful as possible. 1. READ MORE >>
Friday, October 25, 2019As a member of the food industry you spend a lot of time ensuring that the product you create is not only of good quality as it pertains to taste and appearance but is also safe. It is just as important that as a part of that process you understand the quality and safety of the inputs you use but also understand and manage the transfer of risk between you and your vendors. READ MORE >>
Friday, September 27, 2019Your general liability policy probably contains a separate limit for personal and advertising liability. Your exposure for a potential claim under the advertising liability coverage increases the more you publish information regarding your products and services and the more widespread. READ MORE >>
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