Sewer line backup: Know your coverage

You walk into your office on a Monday morning to discover there has been a sewer line backup. After the initial shock, you wonder, “Do I have insurance coverage for this? If I do have coverage, what are my limits?” These are important questions, and ones you should consider asking your local independent agent now.


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Keep your fire protection system from freezing

Fire protection equipment is especially vulnerable when arctic temperatures affect a building. If pipes freeze, a business or school could be forced to close temporarily if life safety cannot be assured. Failure or disruption of these important fire protection systems can also be expensive to repair.


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Keep exercise equipment in tip-top shape

Gym owners demonstrate concern for member safety and well-being by making sure the club offers good, safe equipment.

You employ and train lifeguards for pool safety; make sure weights are re-racked and do not create a trip hazard; clear walkways; and see that treadmills and weight machines receive regular service and maintenance.

Unfortunately, it’s easy to overlook two common pieces of exercise equipment when doing risk assessments and inspections: rubber stability balls and resistance bands. It’s important to evaluate how this equipment could affect member safety.


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