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Paul Herrick

Paul Herrick

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Posted by on in Homeowners/Renters Insurance

The hospitality business is all about patrons having a good time. Most business owners are vigilant about preventing verbal and physical altercations. But sometimes a situation may escalate leaving your business vulnerable to an Assault and Battery liability claim.

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Posted by on in Homeowners/Renters Insurance

Email is commonplace in the business world, with over 108 billion emails sent and received per day. The fact that emails are circulating in big numbers makes them a good target for scammers. We all need to be careful when opening emails.

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Posted by on in Homeowners/Renters Insurance

Mirror, mirror on the wall,
How do we prevent a fall?
Clean floors can help with that,
And don’t forget the floor mat!

The average person walks over 8,000 steps a day. All it takes is one slip and fall and your life could be changed in an instant. According to the National Floor Safety Institute (NFSI): “Falls account for over 8 million hospital emergency room visits, representing the leading cause of visits (21.3%). Slips and falls account for over 1 million visits, or 12% of the total falls.” What can we do as employers to protect our employees and customers from slips and falls? One of the best places to start is with a proper floor mat program.

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Posted by on in Homeowners/Renters Insurance

There are complicated issues and potential gaps in coverage when dealing with leases. Do you know that a lease may require the tenant to provide insurance for the landlord’s building, contents, betterments and improvements if necessary? Consider these examples where the lease requires the tenant to be responsible for the building items:

  • During an extremely cold stretch of winter weather, the water pipes in an uninsulated part of your kitchen freeze and burst. There is damage to floors and equipment that the tenant did not purchase, but their lease requires them to repair/replace in the event of loss or damage. The standard businessowners policy only covers contents the tenant owns, like tables, chairs, and inventory – there is a gap in this scenario. Is there coverage to protect a tenant’s responsibility?
  • Watch another example here:

Society’s TBP-18 endorsement is designed to fill the the gap by providing additional coverage to protect a tenant’s responsibility for property of the landlord. This form allows coverage for property that the landlord owns, but for which the tenant is responsible due to the lease agreement.

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Posted by on in Auto Insurance

bigstock-Insurance-Policy-Help-Legal-Ca-89278472.jpgPart of growing up is recognizing and fulfilling personal goals and securing a stable lifestyle that meets your needs and the needs of your potential or growing family. Getting a job, buying a car, and purchasing a house are often milestones you’ll reach and there are many reasons why you should protect your home, car, and personal possessions with insurance coverage.

Insurance will provide you with the protection you need, but many people aren’t sure where to start and how to choose the right type of insurance for their individual needs. Rest assured; feeling overwhelmed is completely normal.

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