Category: H&K Blog
Insuring Amenities in Condo Complexes
As the weather gets warmer and the days get longer, a lot of unit owners take advantage of the amenities that their condo complex may provide. These amenities vary from the basic balcony attached to a unit owner’s condominium to the in-ground pool widely used during the summer months. Whether it’s a pool, basketball court, […]
read more »5 Risk Management Tips: Limiting Liquor Lawsuits
Consider one of these scenarios. Your bartender is serving a patron on a busy Saturday night. She gets slammed with patrons left and right, so she doesn’t take the time to heed signs of intoxication. Slurred speech, droopy eyelids, and the holding of the head do not signal your bartender to stop and access the […]
read more »Problems With Employer-Provided Life Insurance and Why It’s Not Enough
One thing we hear a lot when asking about life insurance is “I don’t need life insurance. I have coverage through work.” While it may be convenient to sign up for something that has no out-of-pocket cost or very little coming out of your bi-weekly paycheck, employer-provided life insurance coverage may not be enough to […]
read more »Safeguarding Against Construction Worker Accidents
According to a 2016 report by the Occupational Health & Safety Administration (OSHA), one in five worker deaths is in construction. The leading causes being falls, struck by object fatalities, electrocutions, and getting caught in-between objects. These fatal four account for 63.7% of construction worker deaths. By eliminating the fatal four, it’s estimated that 631 […]
read more »Do You Have the Funds to Survive a Data Breach? Most People Don’t
A recent research study by IBM Security estimates that the average cost of a data breach is $4.7 million. Each stolen record will cost a company $141, and the average size of data breaches according to a 2017 study, is 24,000 records. If you multiply $141 x 24,000 records you have incurred $33,840 worth of […]
read more »How Do Insurance Deductibles Work?
Insurance deductibles are something our agents mention quite often. You most likely have heard of this term, know what it means, but are confused about how the amount of your deductible impacts your insurance.
read more »Why You Need Contractor’s Equipment Coverage
Whether you’re a large construction firm or mid-sized business, your tools and equipment are a necessity to performing your job and also represent a significant investment. If they are stolen from the job site or damaged by the weather, that loss hampers your ability to do your job, which affects both your reputation and bottom […]
read more »Specialty Insurance Coverages for Your Condo
We all know about the standard insurance coverages for associations. At the bare minimum, you need to insure your complex with a condominium master policy, and it would be wise of you to invest in D&O and crime (fidelity) coverage for your association.
read more »5 Things You Do Every Day That Put’s Your Patron’s Data at Risk
As an owner, you work long hours at your restaurant. A jack of all trades, you are cooking meals, calculating payroll, and taking payments on any given day. You’ve done these jobs so much that you can practically do them in your sleep. But did you know that the simple things can leave you liable […]
read more »Term Life Insurance vs Whole Life Insurance
Life is constantly changing. From marriage to becoming first-time parents, the many seasons of your life deserve a robust insurance plan to safeguard your financial assets. Life insurance works to protect you and your loved ones during times of change. Have you thought about your financial plan?
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