Insurance Made Simple Blog

How Do Employment Practices Apply to Volunteers?

Many nonprofits rely on volunteers in addition to paid employees to achieve their goals. However, nonprofits should take pains to understand what the true legal difference is between these two types of workers. The simple difference is that employees are paid and volunteers are not, but several factors affect the legal definition.
Read more

Client Sexual Abuse: Insurance for Nonprofits Essential Coverage

Sexual abuse is a difficult and uncomfortable topic. Like so many things that are difficult to talk about critical steps to prevent problems are often left un-discussed. But uncomfortable or not Sexual Abuse is a topic that must be addressed by all social service organizations with direct client contact. Improper Sexual Conduct or Sexual Abuse coverage is a critical part of Insurance Coverage for […]
Read more

Business General Liability Insurance Claims - What About Defense?

I just got off the phone with one of my clients who was very upset because he was served with a law suit this morning.  He owns a restaurant and one of his customers claims that she became sick after eating food fried in peanut oil.  This customer is claiming my client is negligent because the server did not tell her and the menu does not state that they use peanut oil and she is allergic to […]
Read more

3 Things You May Not Know about Your General Liability Insurance

I've been in the insurance industry for almost 20 years and I've worked with many, many businesses on their General Liability insurance and sometimes I'm even confronted with a coverage question I can't immediately answer.  The truth is that Commercial General Liability is a very, very complicated and confusing policy contract and it's no wonder that policyholders don't understand it very well.
Read more

Business Liability Insurance: 3 Little Known Facts

Reading your Business Liability Insurance can seem more like a cure for insomnia than a way to better understand your coverage.  Most business owners understand that they need to understand their policies and coverage but do not want to devote the time to read and interpret the cumbersome legalese. 
Read more
No More Posts