When planning a spring event, prepare for the unexpected

woman-holding-flowers

Consider insurance needs
for your spring events.

Organizing any event  ̶  whether a festival for thousands or a garden walk for a hundred  ̶  takes many hours of planning and preparation. However, unexpected situations can arise with even the most meticulously planned events.

To help ease the worries of injury, property damage or other unforeseen exposures, speak to your local independent insurance agent about whether you have adequate insurance coverage for your event, large or small. For some situations, you will want to seek advice about your homeowner or personal umbrella coverage. For larger events sponsored by a club or organization, a commercial insurance policy may be the best choice. Read More

‘Small’ equipment loss can be a big thing

man-buying-flowers

A small business may depend on equipment
such as a cooler for flowers.

When you hear machinery and equipment discussed as an available insurance coverage, you may envision huge mechanical or electrical apparatus associated with large-scale operations or massive production floors.

You may conclude that your family-run flower shop or small- to medium-sized business doesn’t need this type of coverage. Read More

Is your business protected from hail?

2006-2012-hail-mapMost areas of the country experience hail storms that can cause significant damage to rooftop equipment, severely disrupting your business and costing you time, money or even customers.

A major hail storm can severely damage fins on your heating, ventilation and air conditioning equipment, rendering it inoperable. That may affect your operations or cause you to cancel functions.
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Safeguard valuable business records and papers

paper-documents-and-records

Take steps to protect
paper documents and records.

Even in our electronic, computer-driven world, few businesses can operate without acquiring a number of valuable papers and physical records. Losing them to a fire or natural disaster could seriously affect business operations. Before you have a loss, take steps to protect valuable papers, or consider ways to store copies. Read More