Insurance Insights

A painting contractor takes care of indoor and outdoor painting jobs, including walls, ceiling, trim and baseboards, cabinets, and other surfaces in your home or office. Aside from the painting aspect, painting contractors are responsible for a variety of other functions including removing switch plates, covering furniture with drop cloths, cleaning the area after their work is finished, and other small details of getting their job done. Painting contractors often work as independent contractors or operate their own painting business. Being a painting contractor has many perks, but it also includes a variety of risks. These include injury to employees or homeowners while they are doing their work, property damage, and other operational liabilities. Painting contractors insurance is therefore an essential part of being a painting contractor and protecting your financial assets.

Art and picture frame stores provide well-sought out services for customers who need custom framing. Whether it is for a child’s original work of art or a reproduction of a masterpiece, these stores provide custom-made framing to fit the sizing and specifications of each piece. If you’re a business owner of this type of store, you no doubt know that your store can house art and photos that are both sensitive in nature and sentimental to your client. That’s why you should offer your business optimum protection against property damage, theft or burglary, dishonest employee practices, and unexpected events. These risks and more exist when you operate this type of business, so obtaining the right kind of art and picture frame store insurance is essential.

Small businesses of all kinds use drivers on a daily basis. From caterers to plumbers and countless construction workers, florist shops, and furniture movers in between, there are a lot of small business drivers on the road. When you consider that according to NHTSA Chairman Deborah A.P. Hersman, “More than 3,000 people lost their lives last year in distraction-related accidents,” it’s safe to say that texting while driving continues to be a major problem for U.S. drivers. What can you, as a small business owner, do to minimize these risks among your drivers?

Land surveyors perform an array of tasks in a typical day that are related to surveying land, marking land boundaries, researching property records at the courthouse, creating maps based on their research and surveying, and writing legal descriptions of the land. They also assist with organizing and planning the development of certain properties. Since land surveying is often a physical job, some risks are associated with the profession including the risk of bodily injury, driving their own vehicle, on-premises accidents, and risks related to clients being unsatisfied with their work. Due to these risks and others, land surveyors should have land surveyors insurance policies that cover every potential risk in order to secure their job and financial assets.

Pharmacy stores, commonly referred to as drug stores, have been around for decades. They provide not only prescription medications and over-the-counter drugs, but an array of other items like candy, magazines and books, tobacco, household items, cosmetics, beverages, and snacks. Due to the nature of operating a business such as this, you’re exposed to a variety of risks including theft of money or pharmaceuticals, liabilities such as a customer tripping over something left in an aisle, or a natural disaster that causes substantial property damage. This is what makes insurance for drug store business owners so important. You must protect these and other risks by obtaining the right kind of drug store insurance.

Providing financial services means that another person’s finances and livelihood are in your hands. Whether you are a financial analyst, investment banker, financial adviser, or stock market trader, you have the responsibility of not only helping clients to make good financial decisions, but avoiding hurting them financially. If you work as a financial service professional, it is vital that you protect your business against possible risks associated with this type of work, like getting in the middle of litigation due to poor decision making or negligent errors.

Garage door installers are skilled and experienced at installing a variety of garage doors for residences and some businesses that offer private garages for storage or other uses. If this is the career you have chosen, you install the door along with other building structures, including trim, hardware, frames, and windows for the garage door. Due to the tools and materials you work with, you will have a number of risks associated with your profession, including accidents and bodily injury, defective garage doors, structure damage, and other risk exposures. Garage door installers insurance is required in order to protect financial assets in the case of an unexpected circumstance leading to lawsuits or medical treatments.

Garage door installers are skilled and experienced at installing a variety of garage doors for residences and some businesses that offer private garages for storage or other uses. If this is the career you have chosen, you install the door along with other building structures, including trim, hardware, frames, and windows for the garage door. Due to the tools and materials you work with, you will have a number of risks associated with your profession, including accidents and bodily injury, defective garage doors, structure damage, and other risk exposures. Garage door installers insurance is required in order to protect financial assets in the case of an unexpected circumstance leading to lawsuits or medical treatments.

Martial arts is a broad term that covers any type of combat technique, including Judo, Tae Kwan Do, Kung Fu, Akido, Karate, and more. If you own and operate a martial arts studio, you most likely offer these classes or others to your students. Martial arts studios teach children, teens and adults various types of martial arts and while this may be a passion of yours, it also comes with risks. Due to the physical nature of martial arts, your students and teachers are at a high risk of physical injury. Other risks your studio should be aware of include property damage, unforeseen events like theft, vandalism, and dishonest employee practices, and certain liabilities. Martial arts studio insurance can provide you protection for these risks and more which will help give you peace of mind that you’re properly covered.

Martial arts is a broad term that covers any type of combat technique, including Judo, Tae Kwan Do, Kung Fu, Akido, Karate, and more. If you own and operate a martial arts studio, you most likely offer these classes or others to your students. Martial arts studios teach children, teens and adults various types of martial arts and while this may be a passion of yours, it also comes with risks. Due to the physical nature of martial arts, your students and teachers are at a high risk of physical injury. Other risks your studio should be aware of include property damage, unforeseen events like theft, vandalism, and dishonest employee practices, and certain liabilities. Martial arts studio insurance can provide you protection for these risks and more which will help give you peace of mind that you’re properly covered.