Small business owners have a lot on their plates today. There are many different sides to running a successful business that require an owner’s time and attention. Many first-time owners are making the switch from employee to employer and may not even be fully aware of the potential liabilities that lie ahead when their doors… Read more »
Acadia Insurance turned to longtime agency partner James Sanborn for a seasoned perspective on the insurance needs of commercial breweries. As both a microbrew fan with his own beer blog and a 23-year career agent with GHM Insurance, James was the perfect person to tap for insight into this rapidly rising business. Q: How did you become an insurance… Read more »
How do you intend to interact with the general public? Will you offer brewery tours or have a tasting room? Both of these elements, while great for marketing and generating growth, come with their share of risk, and need to be considered when purchasing insurance. Fortunately, most commercial general liability policies cover premises liability exposures, but… Read more »
According to The National Weather Service, Americans live in the most severe weather-prone country on Earth. Flooding is the most common natural disaster in the United States, and the risk appears to be increasing in recent decades. The coming months of April to September are some of the most flood prone months. While it may… Read more »
Snowflake…snowflake…., how much do you weigh? Right around .002 grams. So, how do a bunch of snowflakes pancake buildings each year? With more snow in the forecast for much of New England, this becomes a very important question. Generally speaking, it’s not the snowflakes that collapse a building, power lines or a tree. It’s the… Read more »
If you release contaminants at your business premises or work sites that affect the environment, will your insurance respond? How can this happen? It depends on what your business is, but all of us use or generate potential pollutants. Any of the following could cause pollution: Sewerage and waste water if pipes and septic systems are… Read more »
Just because you can’t see it, doesn’t mean it isn’t there. Children may use that excuse when fearing “the monster under the bed”. As a loss control consultant, I use that excuse when discussing the vulnerabilities of an electrical system. Luckily, there is technology for this to help us see these so called “monsters under… Read more »
Freezing Pipes and Roof Collapse Prevention An English astronomer, Francis Baily, is credited with the saying, “A stitch in time saves nine”, meaning a little effort in prevention can save multitudes of time and money later. Winter is certainly one of those seasons where this advice is very true. This blog focuses on two areas… Read more »
“We change, whether we like it or not” – Ralph Waldo Emerson We don’t often enjoy having to concede to nature’s law that dictates to us that all things change, all of the time. But as Mr. Emerson keenly observes, it happens, regardless. Depending upon one’s perspective, change can be a good thing, or it can… Read more »
Many of us travel under thousands of overhead power lines each day without a second thought. Such close encounters can be as basic as a service line going to a home or major lines carrying power across the country. There is a tremendous amount of danger if you, your vehicle or your piece of equipment… Read more »
