Builders

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.

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.

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.

Professional and semiprofessional sports clubs, often members of national or international associations, participate within a structured framework. These clubs may be owned by individuals, groups, partnerships, or corporations and own or rent office space and training facilities. They may host sporting events, often renting large venues designed for a variety of events. The nature of their operations introduces a range of insurance exposures and requirements.

Pharmaceutical manufacturing involves the intricate process of combining, mixing, and blending various raw materials—organic, chemical, or synthetic—to produce a range of end products, such as creams, jellies, powders, capsules, liquids, and suppositories. Ensuring cleanliness, purity, and proper ingredient mixtures are paramount to the production process. KRG Insurance understands the unique challenges and risks faced by the pharmaceutical industry and offers tailored insurance solutions to protect your business.

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.

A website designer is a specialized software developer as well as a consultant who provides many services related to the website and other software needs. In addition to providing the software, the website designer becomes an integral part of the client’s operation since the website should be regularly updated.

Manufacturing management professionals are faced with a rapidly evolving risk landscape. Traditional markets are being disrupted, and entire business models are becoming obsolete due to changing customer preferences and new technological applications. In this environment, wholesale and distribution businesses must manage risk in a more analytical and agile way by integrating risk management practices at every level, leveraging cutting-edge technologies, and preparing for unconventional threats.