It's hard to control things that might go wrong with your farm's crops. So, you may have taken out business insurance with crop coverage. This protection can be helpful if you lose part or all of a crop in certain circumstances. However, some farm insurance policies also include a chemical overspray benefit. This may be part of the core policy or offered as an add-on. How does this feature work and is it worth getting? [Read More]
Three Critical Concerns to Address before Purchasing Management Liability Insurance
Management liability insurance is essential for protecting you and your business from the losses and risks associated with mismanagement. If you are not protected from this type of liability, you will risk losing your company, and your personal assets might also be affected. Under ideal circumstances, your management liability insurance will protect you against financial losses related to claimant costs, awarded damages, legal fees, civil fines, investigation costs and pecuniary penalties. [Read More]
3 Most Important Insurance Covers for Construction Contractors
Over the past 20 years, civil contractors have been exposed to changes in project delivery systems. The many risks involved in a construction project, coupled with the fact that these perils are often assumed, have forced contracting executives to look at civil contracting insurance carefully. Most importantly, a contracting manager in the construction industry must ensure that all projects are adequately covered. The best place to start from as you plan to take a contracting insurance for your projects is to understand the most critical covers in the construction industry. [Read More]
Hosting A Party For Staff Or Clients? Liquor Liability Insurance Is A Must!
Many small businesses host informal parties for their staff and clients during the festive season and to celebrate special promotions and events during the year, but did you know that your premises may not be covered for such events under your usual business insurance? If you're planning on serving free booze at your party, you really should consider taking out extra liquor liability insurance. Read on to find out more. [Read More]