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Hebbeln Insurance Blog: business owners insurance

View the latest blog posts from Hebbeln Insurance.

  June seems to be off to a very hot start for St. Louis.  For Employers with Employees exposed to heat (outside construction projects, warm warehouses, etc.), it is a good time to discuss and routinely remind about the dangers of heat stress to Employees.  Keep in mind: READ MORE >>

A $2,600,000 Each Occurrence Limit  If you are a Clayton MO Restaurant Owner with an Outdoor Dining Permit, you have likely received a letter within the last week indicating you are now suddenly required to have an each occurrence limit of $2,600,000.   READ MORE >>

Think of your potential exposures (depending on what your business is):  A CPA has a clerical assistant that will handle bank deposits and mail drop off. A Contractor’s employee wakes up on a cold morning, tries to start the company vehicle that is provide and... READ MORE >>

It can be easy for Business Owners to underestimate the value of their Business Personal Property (BPP).   The “eye test” will reveal  mainly what is required to operate your business ·       Furniture/Cubicles READ MORE >>

As I am certain you can confirm, there are a significant number of  Contractors (potentially your competition) operating without Insurance. Unfortunately, many prospective clients do not consider this while reviewing proposals - they are just looking for the lowest price. READ MORE >>

Obviously the primary reason for loss control is because an Employer cares about the health and well being of their Employees.  However, for this post, since claims experience can have such a significant impact on an Employer's premium, I will discuss more in terms of business and not so much the human element. READ MORE >>

Very simply stated, the requesting party is saying "If you screw up (cause bodily injury or property damage) and I get sued, I expect your policy to protect me."     The Additional Insured requirement is very common in construction.  Let's say a building owner needs Electrical upgrades. READ MORE >>

   Before anybody wants to take a political shot at me on this one - yes, I agree with you, it would be fantastic if everything could be manufactured in the U.S.  But we don't live in a self sustaining bubble within the world.  It is a global economy. Let's dig into this a bit more. READ MORE >>

You own a great establishment with good food, but the bulk of revenue comes from Alcohol sales.  That's why you stay open until 1:30 a.m. or maybe even maintain a 3:00 a.m. liquor license.  You need to make certain you have Assault and Battery (A&B) Coverage for your business. READ MORE >>

To my surprise I got called out on the absence of a follow-up to a prior Blog Post.  As previously indicated, I work with the assumption that this Blog is largely ignored, so I can state things like “in the next post we will cover….” and if I fail to (or don't want to) get back to the topic, no big deal. READ MORE >>

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Hebbeln Insurance
744 Spirit of St Louis Blvd, Suite H
Chesterfield, MO 63005
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