The days are getting longer, the cold weather is getting warmer, and you’re spending more time outside—this must mean that summer is almost here! We all can use some warm sunshine and better weather these days, but with the coming of summer it comes time to look at your Homeowner’s Insurance policy to make sure you still can have a great time this summer without any worry!
An example of a summer activity that would require you to review your homeowner’s policy would be building a fire pit in your backyard! Fire pits and open grills come with their own unique sets of risks, and while most Homeowner’s Insurance policies usually cover grilling activity and conventional grills—fire pits and other kinds of barbecue structures might not be covered on your policy! Another thing to consider would be local ordinances—some municipalities might not allow a fire pit to be built due to local Burn Laws, or due to the proximity of the pit to the home itself! Remember that Homeowner’s Policies do not cover damages caused by illegal activity, so keep that in mind!
If you are planning on doing any home repairs this summer make sure you have adequate insurance protection! Talk with your agent or carrier to find out if your policy will still function if you are doing work to your home—if not ask about Builder’s Risk Policy to get yourself covered! Contractor’s usually have some type of liability insurance associated with their business, but it is always better to be safe than sorry!
If you already have a pool you’ve likely added coverage for any pool-related mishaps that might occur, but if you are building a new pool (Even an above-ground pool!) you will have to let your insurance carrier know! Swimming pools create a whole new dimension of risk for any homeowner and will always need to be covered under their homeowner’s policy to make sure you’re covered if anything goes wrong!
Before you kick up your feet next to the pool this summer, take a look at your policy to see that it is primed and ready to protect you no matter how you choose to enjoy the summer season!
With the coronavirus spreading around the country and world, we find ourselves in an interesting position—with massive amounts of time at home, and no where to go, what is there to do? If you are going stir crazy from being stuck inside, there are many different activities that you can do to keep yourself occupied—and productive!
There are so many things that you can do at home, and this list is just the tip of the iceberg—take a look around you and you will see that there is much to do and enjoy!
When you own a Pub or Restaurant you begin to realize that the problems you will face are almost as endless as the beer that you must always have on tap! But there are three big problems—or as we should say, Liabilities, that can devastate any establishment, and neglecting any single one of these instances can end very badly!
Just like wildlife, there are many different shapes, sizes, and characteristics with Pubs and Restaurants—and with this being said there are many different things that can affect the cost of a Pub and Restaurant Insurance premium! If you have ever gone through the underwriting process with a hospitality establishment you will know that there are a lot of questions that go into the insurance company’s decision, but each of these questions serve a purpose to find the right level of coverage for you!
requirement for the minimum amount of coverage if you lease a space or if you are in a franchise agreement! It really helps to check with your lease or agreement before deciding on what is the right coverage for your pub or restaurant! It is always better to be prepared than to not—you should never pinch pennies by skipping out on insurance or by getting insufficient coverage, you will always thank yourself for having it when trouble comes knocking!
If you have a liquor license for your business you know that you are in a highly regulated space that has a ton of rules and is much different than if you just ran a place that sold only T-shirts and shoes! You know that there are a certain set of rules and guidelines that you must keep track of to retain your license—and due to this a common liability insurance plan definitely wouldn’t cut it!
St. Patrick’s Day by getting Liquor Liability coverage! You can’t control what your customers do when they leave and are intoxicated—just be sure to speak with your insurance agent in order to cover your Pub or Restaurant from any harm with good insurance coverage!
Owning your own restaurant, pub, bar, saloon, taproom, can be a very fun and lucrative career to embark upon, but you will soon discover that it can be a ton of work too! Establishing a presence, creating a local rapport—and with the usually large initial investment it takes to start-up, things really start to become clear that protecting all of this hard work is key! Luckily, there are ways to protect that using Pub and Restaurant Insurance!
to spoil, it will be a huge hit to your business in many ways—the time it takes to clean them out and to disinfect, restocking it all with fresh food, and the loss of revenue from not having food at that time can really add up! But if you added Food Spoilage coverage to your policy this situation would be a lot less stressful for you and your business!
Valentine’s Day is a fantastic time of the year to remember your family members and appreciate all that they do for you! Since Valentine’s Day is a happy and loving holiday it becomes a great time to talk and discuss with your family about the good things that a life insurance policy brings! Sometimes the conversation that you will have about Life Insurance can be a little scary, but if talked about from a place of love it can be a very positive and fulfilling experience!
Better business Bureau ®