Insurance can be such a hassle to deal with as a business owner or manager. There can be plenty of risks involving locations specializing in hospitality. That is why getting together with a good insurance team that can get you the right policy package can save you more than you think.
What Coverages Should You Consider?
When it comes to insurance, it is much better to be prepared with the right amount of policies than being left paying out of pocket. Therefore, a policy like liquor liability should be a top priority. This coverage comes into play when a patron who was served alcohol on your premises causes property damage or injures themselves. You may even be held liable if they hurt someone else. Liquor liability handles the financial necessities of such a claim.
Another important policy to add to your coverage is a general liability. A policy like this comes in handy for the potential injuries, slips and falls that occur in a setting like hospitality work. You should also make sure your package includes commercial property insurance.
Hospitality insurance brokers work for you and not for the needs of a specific agency. RMS Hospitality Group recommends that you meet with insurance experts that can adjust to your specific situation as soon as possible so they can build a plan just for you and at a rate you can afford.
Anyone who has worked in the movie industry can probably tell you some amazing war stories. As spectacular as the end product can be some of the unexpected accidents involved in filming can be just as spectacular, but not in a good way. Sylvester Stallone spent nine days in the ICU after being punched in Rocky IV. George Clooney fell from a chair while filming “Syriana” which resulted in a severe head and spinal injury. And during the filming of “The Passion of the Christ” Jim Caviezel was actually struck by lightning. Anything can happen during filming, and this is why you need to have video production insurance.
Types of Video Production Insurance
Some of the most important types of film-related insurance you should carry include:
Errors and Omissions
Depending on what kind of video you’re producing you might need additional coverage. If you use any type of vehicle during filming you will definitely want automobile liability and collision insurance. If you’re traveling internationally you will certainly want travelers insurance. Filing abroad opens up a whole world of potential risk and liability. Keep in mind that most underwriters will want to conduct a site visit and read the film script before they offer coverage, so be prepared for that.
Insurance Built for Your Agency
If you run a temporary staffing agency, you know how valuable you are to helping businesses and workers fill in employment gaps. You also know there are certain times when you face risks that only temporary staffing insurance can protect you from. That’s why having the right insurance is so vital to your company’s operations.
The Help Insurance Provides
When a dispute occurs between a company and the worker you helped get hired, you can often find your agency in the middle of it. Unfortunately, that is part of being a staffing firm. However, you want to be covered from any harm or damages if that dispute escalates to a lawsuit.
To do that, you need an insurance policy that covers you and provides assistance with these situations. The following are typical coverage options for temporary staffing agencies and ones you should have for optimal protection:
Helping You Continue Offering Your Services
You play a vital role in staffing businesses, and both companies and employees appreciate your help. Temporary staffing insurance protects your company when there is friction between workers and their employers while keeping you out of the thick of things. That means you can continue helping businesses and workers even when a claim or dispute arises.
Are you looking for construction insurance in Wayne, NJ?
If you’ve found it challenging to determine the coverages you need, here are four of the key insurance options that you should be sure to include in your policy.
General liability insurance is broad coverage in case a third party suffers bodily injury or property damage because of your business. If a lawsuit is filed against you, your policy will cover the legal fees and any other expenses for which you’re liable.
Professional liability is for construction companies who are also designers. If your client files a lawsuit claiming that your design didn’t meet their expectations or includes errors, your policy will cover the cost of any legal fees associated with the case.
Pollution liability insurance covers you in case a lawsuit is filed against you because your construction activities lead to pollution that caused harm to a third party or their property. Your policy can also be used to purchase items to help mitigate pollution.
Unlike many other industries, workers’ compensation is a requirement for construction companies. Your policy should cover your employees and any subcontractors you may work with as well.
Plenty of other insurance options exist to keep you covered against the many risks that are inherent to the construction industry. Work with an agent who’s experienced in construction insurance in Wayne, NJ to create the policy that’s perfect for you.