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How to Handle an Oil Spill

How to Handle an Oil Spill

Oil spills can be devastating to the environment around them. An oil spill can also result in heavy fines and penalties for any vessel that creates one. Here is what you need to do in case of an oil spill. Contact the Coastal Authority If any oil spills overboard, you need to contact the coastal authority as soon as possible. You should take any measures possible to limit the spill in the water. You can use oil booms or other…

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Does Your Business Need Commercial Umbrella Coverage 3 Questions To Help You Find Out

Does Your Business Need Commercial Umbrella Coverage 3 Questions To Help You Find Out

Every company is different, with its own set of unique needs. However, the need to reduce liability and manage risk is fairly universal. Many businesses turn to umbrella coverage to accomplish that. These questions can help you determine if business umbrella coverage is right for your business. 1. Do You Operate in a High-Risk Industry? Some industries carry higher risks than others. Take construction, for example. Heavy machinery, unsecured job sites, and a plethora of tools increase the risks of…

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What To Know About Group Healthcare Plans

What To Know About Group Healthcare Plans

Employee benefits packages are great for companies wanting to attract and retain highly qualified talent to their staff. In addition to offering retirement packages and paid time off opportunities, health insurance is often a key component of a benefits plan. While there are mandates for general health insurance, companies aren’t required to offer coverage for vision or dental services. However, group plans can be underwritten to include medical, dental, and vision insurance. Extending Coverage Options Rather than limiting enrollment to…

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Why Social Workers Need Liability Insurance

Why Social Workers Need Liability Insurance

While social workers are an invaluable part of the community, they do face the risk of legal claims against them. No matter the experience behind the social worker, errors can still happen and the people that they care for can still file legal claims against them. The Risks Social Workers Face Social workers can face a wide variety of complaints against them. Legal claims may occur when: A social worker maintains a private relationship with a client A social worker…

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How To Stay Safe While Boating in a Severe Storm

How To Stay Safe While Boating in a Severe Storm

When you are planning a relaxing day on the water, the last thing you want to think about is potentially getting caught in a storm. Unfortunately, storms are not uncommon and it is important to recognize this as a possibility. Luckily, there are some things you can do to protect yourself if you are caught boating in a severe storm. Put on Life Jackets and Harnesses When rough weather strikes, it is vital that you and your crew put on…

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How To Choose a Great Insurance Agency in Los Angeles

How To Choose a Great Insurance Agency in Los Angeles

Whether you’re a driver, renter or homeowner in Los Angeles, you need insurance to protect you every day. Without the right policy in place, you could be at risk for costly out-of-pocket repair expenses and liability issues. However, before you can find the right coverage for your needs, you need to choose a great insurance agency. What To Look for in an Insurance Agency Choosing a Los Angeles insurance agency involves more than just going with the first company you…

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Why Mechanics Needs To Think About Asbestos

Why Mechanics Needs To Think About Asbestos

Auto mechanics face a number of threats on any given day. While garages and body shops take extra precautions to make sure that risks are minimal for workers, you never know when something may go awry. Often, it is an issue that a mechanic does not consider in advance that causes the most strife. Exposure to harmful toxins like asbestos, for example, is a problem very few technicians think about. Unfortunately, failing to include an insurance policy that protects you…

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Insuring Your Sports Bar

Insuring Your Sports Bar

Managing risk is a must for any business owner. Sports bar and tavern coverage doesn’t really differ from bar and tavern coverage, but as a sports bar owner, your needs may be different than that of a nightclub or casual dining restaurant. Know Your Coverage Types When buying sports bar and tavern coverage make, sure all your bases are covered. General liability usually covers property damage, bodily injury, and illness-related issues that arise from the food and beverages being sold….

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What Is Watercraft Insurance?

What Is Watercraft Insurance?

You finally bought that boat you’ve always dreamed of. After making such a milestone investment, it’s critical that you take steps to protect your new watercraft. To do that, you’ll need to find a good watercraft policy to keep your prized possession safe, no matter what. What Are the Benefits of Watercraft Insurance? Watercraft insurance functions just as car insurance do for your automobile — it keeps you safe from liability and helps to cover expenses when the unexpected happens…

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What Is a Yacht Club?

What Is a Yacht Club?

Yacht clubs are private member clubs that are organized with the purpose of promoting and supporting the sport of boating. Like marinas, clubs are usually located on bodies of water and provide moorings and supplies for boats and yachts. However, yacht clubs also furnish other amenities and organize social events for members. What Facilities and Events Do Yacht Clubs Offer? Beyond moorings and supplies, yacht clubs typically have a bar or restaurant in the clubhouse. Some also have gyms, showers,…

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