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Insurance articles for business owners, contractors, households and the operations they care about. New articles on the 1st and 15th of each month.
28 articles
Wineries
October 15, 2026
During fermentation, wine produces large amounts of carbon dioxide. CO2 is heavier than air, colorless and odorless, and it collects in tanks, pits, sumps and poorly ventilated cellar rooms. Workers…
Read article Confined Spaces and CO2: The Deadliest Hazard in the CellarRoofing Contractors
October 15, 2026
Roofing carries some of the highest workers' compensation rates of any trade, and the year-end audit is where many roofers get an unpleasant bill. The good news is that most…
Read article Fall Workers' Comp Audit: How Roofers Avoid a Five-Figure SurpriseRetail & Mercantile
October 15, 2026
Falls are the most common liability claim for retail stores. Rainy fall days, holiday crowds and winter weather make the next few months especially risky.
Read article Slip, Trip and Fall: Premises Liability for Retail StoresRental Properties
October 15, 2026
Every landlord has gaps between tenants — cleaning, repairs, renovations and finding the next renter. But many owners don't realize that a vacancy can reduce or eliminate coverage for certain…
Read article Vacancy Between Tenants: The Coverage Clock You Need to WatchHome & Auto
October 15, 2026
October's chore list — gutters, chimney, furnace check — reads like busywork, but it's actually claims prevention: nearly every miserable winter home claim traces back to something a fall weekend…
Read article Gutters, Sump Pumps, and the Water Backup Endorsement: Fall Maintenance Meets Fine PrintOrchards
October 15, 2026
A tractor-pulled wagon ride through the orchard is a fall tradition. It's also one of the agritourism activities insurers scrutinize most closely, because wagon accidents can injure many people at…
Read article Hayrides and Wagon Rides: The Agritourism Exposure Insurers Watch MostHome Health & Adult Day Care
October 15, 2026
Caregivers work one-on-one with vulnerable adults, often behind closed doors. Even when your agency does everything right, an allegation of abuse — physical, sexual, emotional or financial — can lead…
Read article Abuse and Molestation Coverage: The Exposure Every Care Provider Must AddressGrocery Stores
October 15, 2026
Fall rain, wet leaves and the first cold snaps mark the start of slip-and-fall season in grocery stores. Falls are the most frequent general liability claim for grocers, and with…
Read article Slip-and-Fall Season Begins: Floors, Entrances and DocumentationGas Stations
October 15, 2026
Customers judge a gas station by its canopy, pumps and price sign. Insurers look at them closely too, because they're exposed to wind, hail, snow and vehicles every day —…
Read article Canopies, Dispensers and Signs: Insuring the Most Visible Part of Your StationConvenience Stores
October 15, 2026
Beer and wine are major profit centers for convenience stores. They also create liability that many owners assume is covered — and sometimes isn't.
Read article Beer Sales and Liquor Liability: What C-Store Owners Need to KnowContractors
October 15, 2026
The line between building and designing keeps blurring — design-build delivery, delegated design on connections and systems, value engineering suggestions, BIM coordination. Every step across that line creates professional exposure,…
Read article When the Contractor Does the Designing: Professional Liability for BuildersCommercial Insurance
October 15, 2026
When a fire, windstorm or burst pipe shuts down a business, the property damage is only part of the loss. Rent, loan payments, payroll and utility bills keep coming while…
Read article Business Income Insurance: The Coverage That Keeps the Doors OpenChurches & Nonprofits
October 15, 2026
Few things threaten a ministry like an abuse allegation. Beyond the harm to a child or vulnerable adult, a single claim can damage a congregation's trust for years. It's also…
Read article Background Checks and the Two-Adult Rule: The Heart of Abuse PreventionRestaurants & Bars
October 15, 2026
Halloween is one of the biggest bar nights of the year, and the season kicks off months of special events — ticketed parties, costume contests, private buyouts, outside promoters bringing…
Read article Special Events and Promoters: One-Night Parties, One-Night ExposuresWineries
October 1, 2026
Crush season is when a winery's inventory value climbs fastest. Tanks fill with fermenting juice, barrels are topped with new wine, and finished wine from previous vintages is still in…
Read article Harvest and Crush Season: Protecting Wine Inventory When Values PeakRoofing Contractors
October 1, 2026
By October, most roofers are finishing the last of the spring and summer storm work. The trucks are tired, the crews are tired, and the jobs feel done. From an…
Read article Storm Season Is Over. Your Completed Operations Exposure Isn't.Retail & Mercantile
October 1, 2026
For most retailers, the fourth quarter is make-or-break. Shelves fill with holiday merchandise in October and November, back rooms overflow, and inventory values can be double what they are in…
Read article Holiday Inventory and Peak Season Coverage for RetailersRental Properties
October 1, 2026
One of the most common — and costly — mistakes rental owners make is keeping a homeowners policy on a house they've started renting out. It often happens innocently: an…
Read article Is Your Rental Insured on the Right Policy? Homeowners vs. Landlord CoverageHome & Auto
October 1, 2026
Ask a room of drivers what they carry and half will say "full coverage." It's the most common phrase in personal insurance, and it doesn't mean anything on its own.…
Read article "Full Coverage" Isn't a Coverage: What Your Auto Policy Actually DoesOrchards
October 1, 2026
October is the busiest month of the year for many orchards. Apple picking, pumpkin patches, cider donuts and hayrides bring families from across the metro — sometimes thousands of visitors…
Read article Peak Pick-Your-Own Season: Is Your Orchard Covered for Visitors?Home Health & Adult Day Care
October 1, 2026
Home care agencies often start with a general liability policy because landlords or contracts require it. But the most serious claims against care providers usually involve the care itself —…
Read article Professional Liability for Home Care Agencies: Why General Liability Isn't EnoughGrocery Stores
October 1, 2026
From Thanksgiving turkeys to holiday baking supplies and party trays, grocery inventory climbs sharply from late October through December. Many store owners set their property limits once a year —…
Read article Holiday Inventory Peaks: Is Your Grocery Store Insured for November?Gas Stations
October 1, 2026
For most gas station owners, the largest insurance exposure isn't on the sales floor or at the pumps. It's underground. A leak from a tank, line or dispenser sump can…
Read article Your Tanks Are Your Biggest Risk: Storage Tank Pollution Coverage ExplainedConvenience Stores
October 1, 2026
As daylight shrinks in the fall, more of your store's hours happen in the dark. For convenience stores, especially those open late or around the clock, robbery risk rises with…
Read article Late Nights, Short Days: Robbery Prevention for Convenience StoresContractors
October 1, 2026
The job is done, the punch list closed, the final check cashed. From a liability standpoint, though, every project you've ever finished is still live — leaks, failures, and injuries…
Read article The Ten-Year Tail: Completed Operations and the Claims That Come LaterCommercial Insurance
October 1, 2026
Many business policies renew in the fourth quarter or on January 1, and the quality of your renewal often depends on what happens weeks before the policy expires. Underwriters price…
Read article Renewal Season Prep: What Underwriters Want to See From Your BusinessChurches & Nonprofits
October 1, 2026
October fills the church calendar — fall festivals, trunk-or-treat in the parking lot, chili cook-offs, hayrides and harvest dinners. These events are some of the best outreach you'll do all…
Read article Fall Festivals, Trunk-or-Treat and Harvest Dinners: Insuring the Church CalendarRestaurants & Bars
October 1, 2026
Holiday season is coming, and with it the annual hiring push — extra servers, kitchen help, seasonal bartenders. More staff means more revenue, and it also means more of the…
Read article Seasonal Staff, Real Exposure: Workers Comp and Hiring Risks for RestaurantsNo publications match this topic.
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