What happens if your KOA’s handyman causes an unnoticed water leak within your walls, causing the growth of a fungus? What if a camper bumps into his ladder and both are injured in the resulting fall? What if he turns out to be a terrible handyman and the roof you...
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Liability of Serving Champagne
Do you include wine in romantic packages? What about welcome champagne? While these can greatly enhance the guests’ experience when done correctly, they can also provide a surprising liability issue for inns. For example, a guest consumes the glass of champagne and then has an automobile accident later that evening....
Driving Large Vehicles Safely
“Power lines, roof eaves, and small cars.” One executive director lost no time in describing what donation pick-up drivers need to watch out for. “How do you think I knew that?” he asked, “because they’ve all happened to me!” My observations confirm the executive director’s experience. One of the most frequent claims to come across my desk is a box truck or 15 passenger van hitting another vehicle or building. While the damage is often minor, the costs paid by the insurance company are generally
Auto Insurance covers more than you think!
Do you drive your own car for work or volunteer activities? If your answer is yes, how does your insurance work in the event of an accident? It could be argued that the only reason you were on the road at that time is because you were representing that work...
Two Tips to Avoid Water Flooding Your Home
Do you know of someone who had water gushing into their house, damaging the floors, furniture, and electronics? Or maybe someone who returned from a weekend away, only to find their basement full of water? Has this happened to you? It is possible if you aren’t prepared. In just a few...
Tree Trimming: Why It’s So Important
Would you leave the floor of your store covered in debris or slick with oil? Of course not! All of us know intuitively that people walking through the store do not expect to encounter these hazards, and could easily injure themselves. How would you react if you walked into the...
Help from the Handyman: What to Watch For
What happens if your inn’s handyman causes an unnoticed water leak in your walls, causing the growth of a fungus? What if a guest bumps into his ladder and both are injured in the resulting fall? What if he turns out to be a terrible handyman and the roof you...
Want to use a drone for your next event?
What happens if the drone malfunctions mid-flight and damages overhead wires or a building? What if it injures a spectator while landing? What if someone alleges you invaded their privacy? All of these issues can potentially be protected by your insurance policy—but you need to ask permission. We’ve approached some...
Allowing Safe Day-Use In Your Park
If you’ve invested resources to make your park a fun place, chances are that people will want to come visit! These visitors are not limited to your camping guests; friends of campers or members of your local community may want to come as well to swim in your pool, play...