Breweries

Sporting goods stores may sell athletic clothing or shoes, specialize in a specific sport such as skiing or hunting, or provide a wide range of sporting goods. Some offer equipment rental, trade-ins, and used equipment sales, while others provide equipment repair. Training classes, ranges for archery or shooting, and arrangements for excursions like fishing, scuba diving, or camping trips are also common. Some stores even sponsor athletic competitions and events.

The retail industry has undergone a major transformation in recent years, with several big-box stores closing, downsizing, or opting for an online-only presence. While the financial outlook is encouraging, there may be significant risks right around the corner. If you own a retail business, you should also be aware of other hazards that may not be on your radar.

Restaurants offer a variety of services, from serving a full menu of food items to providing entertainment and special events. Ensuring the safety and smooth operation of your restaurant is crucial, and having the right insurance coverage can protect your business from potential risks.

It’s a good news, bad news situation. The bad news: Lawsuits, once a measure of last resort, are now commonplace in settling disputes. The good news? You can protect yourself, your business, and your reputation by investing in professional liability coverage, also known as Errors and Omissions (E&O) insurance. E&O insurance is supplementary liability insurance that enhances any business owner’s policy by safeguarding against catastrophic loss in the event of a lawsuit due to a negligent act, error, or omission by the professional. In addition to claims of error, omission, or negligence, E&O insurance can also protect against slander, libel, and breach of contract.

Non-profit organizations provide essential social services that benefit communities and their members. These organizations often rely on a volunteer board of directors to elect officers, adopt policies, and make major financial decisions. Despite their voluntary nature, board members face significant risks, including personal liability that may affect their financial status due to their management decisions. It is crucial for your organization and board of directors to understand the risks associated with their responsibilities and the ways to protect themselves from personal liability.

Mini-warehouses are an extension of the client’s basement or business. Any items may be stored, and access is limited to the clients themselves.

Truck lines are trucking operations that assist in the packing, loading, transport, unloading, and unpacking of freight. Many truck lines have storage facilities for both temporary and long-term storage of goods.