A Different Kind of Floater
How many times have you driven by a worksite and seen a load of lumber left by a carpenter for a new deck, or several bundles of shingles laying there for a new roof, or even a furnace or air conditioning unit waiting to be installed by an HVAC contractor at a later date? How…
Read More5 Snow Removal Contract Requirements
Winter weather is coming and now is the time to start thinking about who you might hire as your snow removal contractor for your apartment complex. It’s no secret winter weather creates more opportunity for liability claims, especially slips and falls. If you own or manage an apartment building, contracting with a reputable snow removal…
Read MoreThe Inspector is Coming! The Inspector is Coming!
I received a frantic call last Friday from a longtime client that the insurance inspector was coming. No, he did not tell me one if by land and two if by the sea like in Longfellow’s poem but he was concerned, to say the least. The Insured owns about 100 apartment units in 5 buildings…
Read MoreHappy Holidays from Richey-Barrett
‘Tis the Season … for Your Church to “Check Off” a Safety/Security List
The holiday season, particularly the week of Christmas, is always a time of packing the pews. While more visitors and out-of-town guests provide extra fellowship and church life activity, the spike in auto and foot traffic may bring in added risk. Church pastors, administrators, and members alike should be mindful and vigilant to safeguard people…
Read MoreAntique and Collector Car Insurance
Do you own a collector or antique automobile? A collector car is considered a car over 10 years old and maintained or restored by a hobbyist because of rarity or historic interest. Antiques are over 25 years old. After what seems like a lifetime of saving and searching, you have finally found the antique or…
Read MoreBe prepared for Rising Insurance Costs in 2020
In the last month, AM Best and Fitch (companies that provide financial data products in the insurance industry), national consultants Willis Towers Watson, AON, and others have all echoed the fact that rates are going up and will continue to rise in 2020. Price increases in automobile insurance were discussed in an earlier blog, but…
Read MoreLiquor Liability: Know Customers Limit
The holiday season is a busy time for bars and restaurants, you may be catering to larger groups that are not your usual clientele, but do not let your guard down and make sure all of your employees are following your procedures for responsible service, sale, and consumption of alcohol. As the owner of an…
Read MoreHappy Thanksgiving From Richey-Barrett
Thanksgiving is the festive time of year when we gather our loved ones to share in more than just gluttony, but in gratitude, in being intentionally thankful for all the good things in our lives. There is tradition and there is novelty, but at the heart of this treasured holiday is this sense of thankfulness.…
Read MoreSLIP, TRIP, FALL, and OUCH!
Your church is well-maintained and a beehive of activity, with people constantly buzzing around. Recently, it has had three slip and fall claims that have been paid out under the Medical Payments Coverage section of the church’s insurance policy. John, your insurance agent, has called the church to advise that this claim frequency is causing…
Read More
