Booming beverage industry has special insurance needs

beer-barrel-with-glassesThe craft beverage industry is booming. Breweries and wineries operate in all 50 states, and the number of distilleries has more than doubled since 2011.

Growth stems primarily from states welcoming breweries, brewpubs, wineries and distilleries – granting new licenses and drafting legislation to ease excise taxes – and from the desire of consumers to buy locally.

Proprietors in the craft beverage industry have special insurance needs. Read More

Maintain privacy through records disposal

Careful document disposal curbs identity theft.

Careful document disposal curbs identity theft.

Identity theft is a major problem that is growing each year. Criminals want to use your name, date of birth, Social Security number and other personal or account information to steal your identity. You can minimize the chances of being an identity theft victim by using safe and secure methods to dispose of important, confidential or sensitive paper or electronic media storage devices, such as computers, CDs and flash drives. Read More

Lightning – or power surge? I’m not worried; I’m covered

denver-stormy-evening-2

Lightning and power surge can cause damage.

In the old days – I am 54 and have been in the insurance business since 1987 – a lightning claim investigation was a pretty simple process. I would simply review whatever resources were available and determine if a thunderstorm had passed through the area on the day the loss occurred. If a storm could be verified, the loss claim was validated. Read More