Workers Compensation Basics Back a few years ago (2017) I created a blog post featuring the basics of Workers Compensation Insurance. Since then we have more clients hiring employees and therefore more questions about Workers Compensation Insurance Workers Compensation – Where to Start First off, identify your states workers compensation requirements. Hiring anyone, for any period of time, can trigger a need for coverage but this can vary by state. For example, businesses operating in Texas and Florida may not have to place coverage immediately. Texas has a unique system and Florida may waive ..read more

Personal and Advertising Injury coverage is contained within most General Liability insurance contracts. The main question I receive usually is about the advertising component of coverage. The typical General Liability limit format looks something like: Occurrence Limit $1,000,000 Personal & Advertising Limit $1,000,000 General Aggregate Limit $2,000,000 Products & Completed Operations Aggregate $2,000,000 Definitions: Personal and Advertising Injury Liability Personal & Advertising Injury coverage starts with a definition. By the way, products coverage also starts with ..read more

Certificates of Insurance: Geek Stuff Specialty food and beverage manufacturers, importers and distributors are well aware of the need for the all important “COI”. A company called Acord produces The Certificate of Liability Insurance (technical name) as a standardized form used by the insurance industry. If you really want to geek out the form is the Acord 25 which you can see in the lower left corner along with the version date. There have been changes to this form over the years. More Than Meets the Eye Certificates of Insurance DO NOT grant coverage. At the end of the day the insurance pol ..read more

Moving Parts of Property Insurance In our experience, General Liability insurance gets more attention than property insurance especially from smaller companies and startups. Protection from legal action and meeting qualifications of retailers and distributors is often on the top of the list for specialty food and beverage manufactures and importers. Producers often purchase their own General Liability coverage but often rely on or assume that third parties provide adequate property coverage for owned property in warehouses and in transit. What if a fire breaks out at a copacker or logistics co ..read more