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Insurance Design & Placement, Inc. Blog: sebrina bush hillard

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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 >>

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 >>

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 >>

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 >>

Friday September 19, 2014 was National POW/MIA Recognition Day.  Although this is primarily seen a a military issue, kidnapping can also be a risk exposure for small businesses, especially start-ups who maybe collaborating and travelling frequently across the globe. READ MORE >>

Data breach, cyber liability, network security are just some of the terms used to describe risks related your customers sensitive personal information.  Recently, this large risk has received much media attention due to the costly breaches of Target and most recently Home Depot. READ MORE >>

Most small business owners are thoroughly familiar with general liability because it is the basic coverage often required by landlords, vendors, and clients.  However, there may be some finer points of this coverage that you should consider depending on your industry. Technology Companies and Start-ups READ MORE >>

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