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PROMOTIONAL VIDEO IN ENGLISH
#1 - Risk Overview#2 - General Information#3 - Business Personal Property#4 - Business Income & Property Inventory#5 - Inland Marine, Employee Dishonesty, Money & Securities#6 - General Liability#7 - Liquor Liability & Employee Benefits#8 - Commercial Umbrella & Business AutoFood Delivery and the Business Auto Policy
Thousands of restaurants engage in food delivery. This is, by no means, a new phenomenon. With that reality in mind, two questions arise: Is the restaurant covered for food delivery if it does NOT have a business auto policy; and how does a restaurant’s business auto policy respond to food delivery when they have the coverage? #9 - Workers Compensation |
VIDEO PROMOCIONAL EN ESPAÑOL
Tutorial en españolAdditional Information Means Better Coverage.
One major reason to seek full prospect or client information is to, when necessary, secure proper premium for additional parties. This is typically achieved by adding endorsements. Endorsements allow coverage to be modified to fit situations that deviate from what is covered under a base policy form. Naturally, separate endorsements and, when applicable, additional premium allows for more precise coverage and pricing. Click here for an example of an additional insured endorsement’s wording under one commercial general liability’s endorsements section in PF&M. There Must Be Tangible Damage
A restaurant ran into a serious loss under the worst set of circumstance. Berries restaurant had the poor luck of having a long-term, roadway construction project located near their location. While the project did not physically block customers from coming, the restaurant owners argued that it did cause serious loss to their property and on their bottom line. Berries claimed that the construction created a high volume of dust and debris. It filed a claim asking for reimbursement for the cost of extensive cleaning expense. The claim also included substantial loss caused by having to repair its moveable wall, roof, and awning system. Its insurer did not accept Berries’ claim. It denied the loss, based on a bedrock element of its policy. In its view, there was no evidence of actual damage taking place at the restaurant. Absent tangible damage, its position was that Berries’ loss did not qualify for insurance protection. Berries sued. Click here for details on the manner in which a court viewed Berries’ painful business loss. Protection Has Its Limits
In this restaurant’s situation, the considerable cost caused by the roadwork project was like a special bomb, causing devastation to the business but having no impact on its insurance policy. Certainly, we wish to look for opportunities to serve existing and potential clients, often by expanding or adding to their coverage. However, service does have a broader meaning that includes making sure that insureds have a strong understanding of what they have purchased. In a world of dynamic change and emerging exposures, gaps do exist and, while often new products are created to fill them, even the best insurance situations include exposures for which no coverage exists. It is important to advise those you serve of limitations too. Click here for an example of a letter that may be modified to reach out and educate clients found under Business Building Letters found in Advantage Plus. Not All Interruptions Are Eligible
The lifeblood of eat-in food establishments is, obviously, diners. When events occur that prevent customers from entering an eating locale, that is definitely an interruption of business. It is also definitely a direct source of serious income loss which may contribute to whether a business survives. While many personal and commercial property policies routinely cover business income/interruption loss, there is a major requirement. The interruption has to be triggered by a source of direct and physical loss; additionally, that source must be one that is eligible for the coverage under the applicable insurance policy. Click here for an excerpt of wording regarding coverage found under the Time Element Section of Gordis on Business found in Advantage Plus. Reinforcing Exposures Faced By A Business
Insurance professionals are in a position of great responsibility. Taking steps to educate clients is an opportunity demonstrate your value and credibility. In most instances, we don’t seek out to deal with shortcomings of the products and services we supply. However, some of the most tangled problems encountered by agents and brokers involve losses occurring and there’s a misunderstanding over coverage. Insurance professionals serve clients best when they use their knowledge to align customer expectations with the protection they have selected. It certainly can be a difficult task, but commercial clients are familiar with the complexity of their businesses. It is an additional and valuable service to provide complete information on the world of risk in which they operate. Click here to see a narrative on various coverages and exposures faced by restaurants, which is available to logically lay out what may be addressed within an insurance program. It’s from The Commercial Risk Survey found in Advantage Plus. Understanding Liquor Liability Coverage
When anyone is injured by an intoxicated individual, attorneys typically seek to suck in as many parties as possible to secure payment for the injured party. Liquor liability insurance is designed to defend the insured against charges of negligent conduct related to the service of alcohol; and to indemnify or pay on behalf of the insured if they are ultimately found legally liable for the injury or damage. Read more ... |
Politeness usually begins at home or it doesn’t begin at all.
Politeness to others is usually born out of respect for the individual, which you learn as a child. When you are treated with respect by other members of the family, you learn to respect them as well. The self-esteem that results from being recognized as a unique person by the people who matter most to you helps you develop the confidence necessary to succeed later in life. Politeness and consideration for others are habits that — once developed — usually stay with you for a lifetime. While common courtesy may seem relatively insignificant in the grand scheme of things, it is a reflection of more basic values. More important, if you develop the habit of respecting others, you are likely to command respect from them.
Politeness to others is usually born out of respect for the individual, which you learn as a child. When you are treated with respect by other members of the family, you learn to respect them as well. The self-esteem that results from being recognized as a unique person by the people who matter most to you helps you develop the confidence necessary to succeed later in life. Politeness and consideration for others are habits that — once developed — usually stay with you for a lifetime. While common courtesy may seem relatively insignificant in the grand scheme of things, it is a reflection of more basic values. More important, if you develop the habit of respecting others, you are likely to command respect from them.
Examine most carefully the things you desire most.
Far too many people spend more time planning their weekends than their lives. Then they suddenly realize that life has passed them by and they weren’t even aware it was happening. When you intently study what you most desire in life, you begin to focus your mind and concentrate your energy upon that which you wish to achieve. One of the great advantages of having a definite goal for your life is that it helps you prioritize your activities. When your major purpose is clear in your mind, it is unnecessary to analyze each individual situation. You know automatically whether your actions will move you toward your goal or away from it. You can then use all of your resources — time, money, and energy — to best advantage.
Far too many people spend more time planning their weekends than their lives. Then they suddenly realize that life has passed them by and they weren’t even aware it was happening. When you intently study what you most desire in life, you begin to focus your mind and concentrate your energy upon that which you wish to achieve. One of the great advantages of having a definite goal for your life is that it helps you prioritize your activities. When your major purpose is clear in your mind, it is unnecessary to analyze each individual situation. You know automatically whether your actions will move you toward your goal or away from it. You can then use all of your resources — time, money, and energy — to best advantage.
Instead of complaining about what you don’t like about your job, start commending what you do like and see how quickly it improves.
It’s easy to find fault with any job. Whatever your occupation or profession, there are always some unpleasant and mundane tasks you would rather omit. It is also easy to allow the things you dislike to dominate your thoughts and for you to overlook the fact that the things you dislike about your work are really a very small percentage of the overall job. Make it a point to find something good in your job every day. It need not be a big, important event; simply finding joy in doing one thing particularly well will suffice. Then, instead of looking forward to the end of the day, you will find yourself actually looking forward to going to work.
It’s easy to find fault with any job. Whatever your occupation or profession, there are always some unpleasant and mundane tasks you would rather omit. It is also easy to allow the things you dislike to dominate your thoughts and for you to overlook the fact that the things you dislike about your work are really a very small percentage of the overall job. Make it a point to find something good in your job every day. It need not be a big, important event; simply finding joy in doing one thing particularly well will suffice. Then, instead of looking forward to the end of the day, you will find yourself actually looking forward to going to work.
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