Category: H&K Blog
Moving Homes: Does Homeowners Insurance Move with You?
Moving is a stressful time, especially when coupled with selling your old home and buying a new one. As homeowners, you have significantly more work to do then a tenant in a similar situation. From managing the property deed, getting inspections and last-minute renovations done, and having an open house for your home on the […]
read more »Why Your Restaurant Needs Data Breach Protection
Hackers are out there. According to the 2016 Data Breach Investigations Report, in 93% of cyber breaches, attackers take only a few minutes to compromise systems. Cyber and data breach protection is becoming more necessary for restaurants because once data such as credit card information is passed on, that restaurant is held responsible for that […]
read more »What Happens When You Serve Alcohol to a Minor?
These days, college students are the culprits behind underage drinking, as it has become increasingly easier to obtain a fake ID in order to purchase alcohol products. Because of this, it has become more difficult to detect when a patron is underage—causing issues within the hospitality industry. If you want to insure your business and […]
read more »Condo Associations: Should You Allow Condo Exterior Decoration?
“A hallmark of a shared ownership community is that you give up some of your rights for the good of the community,” said Ryan Poliakoff, one of the authors in New Neighborhoods: The Consumer’s Guide to Condominium, Co-Op and HOA Living. Unit owners are bound by the rules set by the condo association and enforced […]
read more »What Does My Condo Master Policy Cover?
Are you a new condo owner navigating the murky waters of condo insurance? If so, you’re not alone. According to the United States Census Bureau, there were approximately 5 million individuals occupying condos across the United States in 1990. As you can imagine, that number has skyrocketed over the past two decades thanks to new […]
read more »Identifying Employees Who Need Key Person Insurance
Your business is a well-oiled machine. When everything works, it works great, and a large part of that is the great staff you assembled in your company. So what happens if a key staff member is suddenly taken out of the picture due to accident or even death? Today, H&K Insurance looks at finding the […]
read more »Commercial and Residential Leases: Injury Liability in Rented Spaces
No one can prevent injuries from occurring, but that doesn’t mean no one is held liable for causing the injury. From commercial to residential property, injuries can happen anywhere. Depending on the circumstances of how the injury occurred, either the owner of the property or the individual leasing can be found liable.
read more »Do You Need to Insure Your Food Delivery Driver?
As a delivery driver, your mission is simple—deliver the food while it’s hot, and do it fast. Drivers who are trying to earn a big tip may not always be the safest drivers, which creates liability concerns for the business owner. Driver-sales jobs, including pizza delivery, are categorized among the most dangerous in the country; […]
read more »Restaurant General Liability: Premise vs Off Premise
Running a restaurant is challenging enough without having to worry about things like lawsuits, loss of income or property damage. Adequate restaurant insurance will help reduce such worries and help you to concentrate on your food and customers. General liability insurance is coverage that can protect you from a variety of claims on premise or off-premise […]
read more »Umbrella Policy for Restaurants: How it Can Save You
Food service and hospitality business owners know that when it comes to protecting their businesses, every little bit counts. This industry can be highly rewarding and highly profitable to be in, but it is also an industry that is particularly vulnerable to liability claims. That is why a lot of these establishments will improve their […]
read more »