Liquor Liability Insurance: A Sobering Reality for Business Owners

“A guy walks into a bar…” Many entertaining stories begin this way, but for business owners who engage in the sale or service of alcohol, the story can turn into a nightmare without adequate liquor liability insurance. What happens when an intoxicated person walks into your client’s restaurant, orders one

Special Event Insurance for Holiday Events: Protects Pumpkins, Ghouls, Mazes and More

Special event insurance isn’t just for weddings and hole-in-one competitions. As the season for holiday festivals, parades, corn mazes, and Christmas tree lots approaches, small business owners and non-profit organizations need help protecting their investment from liability lawsuits. For a relatively small premium, an individual or organization can protect itself

Janitorial Services Insurance: Are Your Unsupervised Workers Leaving You Unprotected?

Today is the age of entrepreneurship. With the blossoming of small business, janitorial service companies are popping up all over the country.  The only problem is many do not consider insurance risks in their business plan. The Janitorial Services Product offered by Atlantic Specialty Lines is created especially for:  

contractor insurance

Construction Industry in the Rebound: With Future Growth Certain your Client needs the Right Contractors Insurance Policy

The 2009 construction recession led to plummeting home prices, a scarcity of work for contractors and a decrease in demand for contractors insurance. The economic conditions, some of the worst in U.S. history, crippled the industry until now. In a recent press release, the Associated General Contractors of America stated

  • employment practices liability

Employment practices liability insurance: The Fastest Growing Area of Loss Exposure

What is the fastest growing area of loss exposure affecting the medical provider community? Employment-related claims. And that stat is exactly the reason you and your client need employment practices lilability insurance. These claims include losses from sexual harassment, wrongful termination, discrimination, retaliation, and wage and hour losses. Along with

  • errors and omissions

Mistakes Happen… Not having errors and omissions insurance (E&O) shouldn’t be one of them

Imagine this every day errors and omissions insurance situation: A successful consultant practicing for almost 25 years has never had any claims made against her. In fact, she prides herself on the fact that she has never made ANY mistakes on the job. She asserts her back-up planning and checklists

umbrella policy

Why letting your clients wait to purchase their personal umbrella policy is a bad idea

One of the biggest gaps in Americans’ personal financial planning is the lack of umbrella insurance. Designed to cover any liability costs that exceed the limits on traditional home, auto and watercraft insurance, personal umbrella policies are typically inexpensive (for the value of coverage). Yet many – if not most

Insurance Services Office

Why a Responsive Insurance Services Office is the Key to Client Loyalty

Ernst & Young canvassed the opinions of 24,000 insurance consumers to explore what drives consumer behavior, covering the whole customer life cycle from initial research through purchase, servicing, repeat purchase, claims and termination. (View the report here.) The findings reinforce traditional expectations of the relationships between service providers and consumers.

Insurance Producers

How insurance producers can get the best out of their brokers: 4 questions to ask

Some brokers make insurance producers’ jobs easier. They know the right questions to ask, understand your clients’ businesses and needs, and follow up quickly and regularly. And then there are the other kinds of brokers… How can you figure out which brokers to work with, and which to avoid –