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Dancing is one of the few professions remaining where the individual has been practicing the art since childhood.  This fact is why wellness and excellent healthcare should be a crucial factor in any overall risk management program. READ MORE >>

Sometimes insureds can feel out of control regarding the insurance liability pricing.  Although there are some aspects that are out of an insured’s control, there are some matters which you can control and others that you can anticipate.   READ MORE >>

When purchasing a general liability policy for a start-up or new business one can expect to pay anywhere between $400-$600.  This is primarily because the start-up has either low revenue or low occupied footage which are the two main rating factors for general liability. READ MORE >>

When purchasing a general liability policy for a start-up or new business one can expect to pay anywhere between $400-$600.  This is primarily because the start-up has either low revenue or low occupied footage which are the two main rating factors for general liability. READ MORE >>

Lean start-up has a buzzword in the industry for the last couple of years.  Although it primarily relates to minimizing the cost to build-out the actual product until you confirm the market, the strategy can sometimes be used with other costs such as human resources and risk management. READ MORE >>

Businesses that serve children have a special blessing and from and insurance perspective and additional risk.  The law deals with children differently than adults and ask such the duty owed to them is higher and the ability for their own actions to negate their right to recovery is diminished. READ MORE >>

In January the Terrorism Risk Insurance Program Reauthorization Act of 2015 was signed into law.  This law extended the previous Terrorism Risk Insurance Act (TRIA) through 2020.  Although this caused a sigh of relief for many insurance carriers, many small businesses are still confused by TRIA. READ MORE >>

Many dance schools believe that they have sufficient coverage if the school  has a strong release.  While a strong release is a crucial part of the risk management program for a dance school it is not a complete risk management program.  Insurance can be essential for those exposures which a release does not or cannot contemplate. READ MORE >>

Fast food franchises are a staple of most generations living today.  The oldest fast food franchise was A&W Restaurant which started in 1919 so there is a long risk history with this particular industry. READ MORE >>

The business owners policy is a great policy for most small businesses because it provides general coverage for most of the risk exposures that would be faced by a small business.  However, particular aspects of your business may raise new or greater exposures than those covered by your small business owner policy. READ MORE >>

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