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Hebbeln Insurance Blog: business owners insurance

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A General Liability policy will include a Per Occurrence (or Each Occurrence) Limit and a General Aggregate Limit.   Per Occurrence Limit: Is the most the company will pay for Bodily Injury and Property Damage arising out of any one occurrence.   READ MORE >>

As mentioned in a prior post, What is an Additional Insured Endorsement,   in some cases the “typical” Additional Insured Endorsement will not meet the requirements of the requesting party. The Typical Additional Insured (AI) Endorsement:  READ MORE >>

  Simply stated if your business has the potential to create a liability exposure for another (person or business),  they will want to be protected by your policy before they agree to do business with you.   Here are a couple of examples: Restaurant Owner: READ MORE >>

1. General Liability Insurance: Unfortunately all businesses are subject to lawsuits. No matter how careful you are or how well trained your employees are, accidents still happen. Example: An Electrical Contracting Company is sued when it was determined a wiring error by one of their electricians caused a fire that significantly damaged a home READ MORE >>

I think most of us have become so conditioned to it, that it doesn’t even register just how many Phishing attempts we deal with each week.  Just in the last 2 days I received a: UPS – you missed a package, click here notice American Express, something about a Safety Key READ MORE >>

Employers planning Office Holiday parties this year, should consider: Sending an intra office memo reminding employees of your company policies on harrassment Limiting the  hours Including Spouses Having a policy in place to Monitor Alcohol consumption READ MORE >>

  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 >>

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