Insurance News
Owning and operating a hotel can be a rewarding endeavor. However, hotel operators have to manage numerous exposures related to lodging, and many offer amenities—including pools, exercise facilities, bars and restaurants—that can dramatically increase the number of insurable risks. The list below provides an overview of these hotel risks and more, helping you identify potential blind spots in your risk management and insurance programs.
Due to the volume of valuable items and...
Keeping Your Home Safe While You’re Away
When preparing to leave for a vacation, it’s easy to overlook basic home safety precautions. To protect your residence while you’re away and enjoy a worry-free trip, keep these tips in mind.
There are a number of hazards that could affect your home while you’re away, including lightning, theft and flooding. In order to keep your property safe while you’re on vacation, consider the following:
- Unplug small appliances and...
With the Coronavirus spreading quickly, the World Health Organization (WHO) recently declared a global emergency.
The virus is currently in more than twenty countries and the number of cases is spiking at an alarming rate. Not only is this virus spreading faster than previous viruses, but the severity of symptoms and outcomes also seems to be greater, raising the public’s concern. As the financial markets begin to react to increasing concerns of a pandemic, businesses need to be...
Heart disease is the leading cause of death for both women and men in the United States, causing about 647,000 deaths annually, according to the Centers for Disease Control and Prevention (CDC). Heart disease is also an extremely expensive disease—costing the United States about $207 billion annually in health care, medications and lost productivity.
What is heart disease?
Heart disease is a term used to refer to several different types of heart conditions. Out of all the...
Plumbing contractors provide much-needed services for both residential and commercial customers alike. However, plumbers have a number of unique risks to consider. In fact, any incident involving installing and repairing pipes or fixtures can lead to major property damage, as well as potential legal action.
These challenges are magnified when you consider that risks related to equipment breakdowns, business interruptions and crime must also be addressed. The list below provides an...
The Importance of Being Prepared
Close your eyes and picture this scenario: You are driving late at night on a country road and your vehicle becomes hard to control. If your vehicle is equipped with a roadside emergency supply kit, you will have all that you need at your fingertips to get back on your journey in no time!
Include the following items in your roadside emergency supply kit:
- 12-foot jumper cables
- Four 15-minute road flares
- Two quarts...
With 2020 around the corner, we’re excited to continue pushing the envelope when it comes to fresh thinking, innovation and relevant content to help drive your employee benefits strategy forward.
Before diving into the new year, let’s take a second to revisit your favorite Fresh Thinking blog posts of the year.
Kim...
Did You Know?
Many people visit the doctor even when they do not need a doctor’s expertise to diagnose and treat their symptoms. The next time you or someone in your family has a cold or experience flu-like symptoms (such as a sore throat, runny nose, cough, dizziness, fever or muscle aches), it may be wise to try some home remedies before making that expensive visit to the doctor.
Before you go to the doctor, try these home remedies:
- Take aspirin, acetaminophen...
Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly.
Depending on the specific type of store you manage, there are a number of exposures to consider, including risks related to property and merchandise damage...
Depending on the terms of your home insurance policy, some weather-related damages may not be covered. To ensure you have sufficient coverage, you must first understand what weather claims are typically covered under a standard home insurance policy.
Perils typically covered under your insurance policy include:
- Lightning strikes—Lightning may result in severe smoke or fire damage, or cause power surges that can damage appliances or electronics in your home...