Insurance for Personal Trainers: Is it Needed?

Personal trainer hosting a session with man and woman at gymThe new year tends to spark a fire in many people to regain control of their physical health with a refocused commitment to working out. Personal trainers, running coaches, fitness instructors, and other exercise professionals like you are called in as teachers, motivators, and even accountability partners to help all kinds of people achieve their different physical fitness goals. Yet, as is the case with every other type of business, there are always risks involved—from client claims of bodily injury to property damage to professional mistakes. In this blog, we’ll explore why insurance for personal trainers is needed. [Read more…]

Does My Snow Removal Company Need Insurance?

White snow removal truck clearing snow off a road with plow.It’s that time again in New England when snow removal companies, from the entrepreneur with a plow attachment to full-service snow and ice management companies, are getting ready for work. Whether you’re in it already or looking to get your company started, snow removal services tend to be high-risk when it comes to accident potential. Learn more about the liabilities related to a snow removal company and how to mitigate them with better business insurance and business practices. [Read more…]

Insurance for the Company Holiday Party

Employees enjoying champagne at a company holiday partyThe holiday season is officially upon us. Many employers throw end-of-year parties to thank employees for all their work and dedicate time to celebrating the holidays together as a team. Whether your company has decided to throw a big bash offsite or a small low-key gathering in the office, the most important thing is that the get-together is safe, merry, and doesn’t put your business—or the people who work for you—at risk. Let’s go over the insurance matters you need to consider when planning your company holiday party.  [Read more…]

Before You Get BOP Insurance: Taking a Business Inventory

Businessman taking a business inventory in a warehouse.Once a business goes from ideas on paper to business cards or from hobby to storefront, it’s time to invest in a BOP – Business Owners Policy. And one of the most important parts of that coverage? Insuring your business’s property. Furnishings, computers, and specialized equipment can all add up, and a disaster such as fire, theft, or flood can end your business without coverage. And one of the most important parts of getting the right BOP is taking a business inventory. [Read more…]

Protecting Your Construction Site from Theft

A residential construction sight featuring the frame of a house and a close up of a chiselWith warmer weather on the horizon, construction projects are underway once again. However, these job sites can quickly become targets for thieves, especially considering the current high price of construction materials. Anything that can be sold for cash – such as building materials, equipment, trailers, and construction vehicles – are at risk. Developing a site security plan can help your crew mitigate the risks of trespassing, theft, and vandalism of your job site. Let’s review some tips for protecting your construction site from theft. [Read more…]

What are Ghost Kitchens and Their Insurance Requirements?

A line of cooking stations arranged in a ghost kitchenDining out is more about eating in as a result of the pandemic. In the past few years, restaurant owners and kitchen staff have been seeking opportunities to generate income in a restaurant industry devastated by COVID-19. Ghost kitchens are the latest trend to help aspiring restauranteurs – as well as established restaurants – participate in the market while minimizing the risk of contracting COVID. Let’s discuss the new phenomenon of ghost kitchens and the insurance requirements of those that use them. [Read more…]