Renting your residential property can be a smart way to invest in your future. It can provide long-term income and cash flow, as well as tax perks. Your property will also likely appreciate over time, further adding to your investment portfolio. However, being a landlord comes with risks, such as property and liability issues. Rental …
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Imagine this: you’re a carpenter remodeling a kitchen and the homeowner trips over a power tool left out by one of your workers and hits her head. You have to call 911 and she’s transported to the hospital. Or, you’re a plumber, and your apprentice accidentally cracks a pipe, flooding your customer’s basement. Or maybe …
Offices present a unique set of potential risks and injuries for employees and staff. Office work might not be as risky as a construction or manufacturing job, but it does come with its own employee risk factors. Office employees tend to work indoors for long hours in seated positions that aren’t ergonomically sound. This opens …
The hospitality industry—specifically hotels, motels, and bed and breakfasts—faces a more difficult operating environment than it has in many years past. A recent HUB International 2023 Outlook report illuminated some of these difficult realities: These findings mean that the risk is high for business owners and operators in the hospitality industry on multiple fronts. However, …
Restaurants are busy places with unique risk profiles. Bustling kitchens, sharp implements, open flames, and hot surfaces—not to mention all of the customers and staff moving around—can create hazards. The potential for lawsuits or property damage resulting from the day-to-day operations of your business is high. These six tips can help you avoid having to …
Fall is a great time to prepare your business for the transition to colder temperatures, shorter days, and the hazards that come with it. As pretty as the fall foliage is, it also signals different risk factors that can impact your business in unique ways. To help you get ready, we’ve put together these small …
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Thanks to climate change, our weather patterns are becoming even more unpredictable, and summer is certainly no exception. Erratic summer weather in 2022 wasn’t limited to our neck of the woods either. Nine inches of rain fell in a single day in St. Louis, Missouri, wildfires burned over 7.4 million acres of land across the …
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Spring is here, and relief from the cold weather is just around the corner. Your seasonal promotions are ready to go, and you’re looking forward to driving sales as customers shake off the cold weather. Unfortunately, more business can mean more liability because hiring more staff and servicing more customers means taking on more risk. …
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The days are getting shorter, the nights are getting longer, and the cold weather is here. You know what that means: it’s time to winterize your business against insurance claims. Don’t let something like a slip and fall on an icy sidewalk, with an average settlement of $10,000 to $50,000, freeze your business! Ensure your …
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Did you know there’s a 20% chance one of your employees will be involved in an auto accident while driving a company vehicle this year? Or that about 50% of insurance claims made by landlords are for loss of rental income? That’s just the tip of the iceberg! If you employ drivers, own a restaurant, …
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