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Small business restaurants have the difficult task of managing guests who may not always feel like acting like their best self.  Small businesses do so not only to manage the customer service experience but because unruly guest can pose a danger to themselves and others. READ MORE >>

BY ABRAHAM ASFAW The holiday season is a time for people to get together and enjoy each other’s company, whether with friends, family, or co-workers. For many companies, this means having a holiday office party which can allow employees to get more comfortable with one another, boost employee morale, and remove stress from the office environment. READ MORE >>

BY ABRAHAM ASFAW Switching insurance companies can make you feel overwhelmed. This quick guide will show you how to make the transition as smooth and seamless as possible with some easy tips on what to have prepared for your new agent!  READ MORE >>

BY ABRAHAM ASFAW When it comes to insuring your business you are investing in your businesses future.  Likely you see your only financial benefits as the financial payout when you have a covered claim.  However, when you have the right combination of insurance carrier and insurance agent, you can see financial and operational benefits long before you ever have a claim. READ MORE >>

Foreign object claims, though less severe, are very frequent within the restaurant industry.  It is also a claim that frequently has some element of fraud related to it whether regarding the presence of the object or the severity of the damage that it caused. READ MORE >>

By Abraham Asfaw As we all get ready for the holiday season, many of us will be traveling to congregate with our families. This should be a time of cheer and happiness.  Be sure your employees understand your policies regarding travel related insurance. 1.     Travel Day Coverage READ MORE >>

Decorating your office or retail space is a great way to bring a more festive atmosphere for both employees and guests.  That said, just as in your house, you have to take care with the decorations to ensure you are not creating a hazardous environment as well. Decorations READ MORE >>

Releases are great ways to transfer risk at no cost.  Due to this they are essential to nonprofits and to business which sell products or services for which there is an increased, though obvious, risk of injury or damage. READ MORE >>

Many nonprofits believe its directors and officers (D&O) insurance covers the board members for all matters of wrong doing but, just like most other insurance policies, the key is to look at the exclusions.  Just as in most policies, the excluded causes of loss are either outside the scope of the purpose of insurance or covered by other types of insurance. READ MORE >>

Whether you are a chamber of commerce, minority bar association or other small association, there are some essential insurance coverages you need to get your entity functioning and your risks low. Directors and officers coverage is the minimum insurance coverage needed for trade associations. READ MORE >>

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