Cyber Risks

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.

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.

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.

Whether you manufacture a product piece by piece or manage a mass production plant, you are a creator and innovator producing goods that benefit the lives of consumers. At KRGinsure, we understand the unique challenges manufacturers face and work with our insurance partners to design tailored manufacturing insurance programs with enhanced coverages to protect your business.

Machinery and equipment repair and maintenance businesses offer a crucial service by ensuring that various types of machinery and equipment are in optimal working condition. These repair facilities can be located in individual shops, home basements or garages, or even within appliance and department stores where the items were originally purchased. The operations may also offer pick-up and delivery services to customers and, in some cases, perform repairs at the client's premises.

Automobile repair shops offer a wide range of services, from general repairs to specialized services such as transmission or brake repairs. These shops may also engage in incidental bodywork or painting, retail sales of automobile accessories, and additional services such as towing, auto club affiliations, and the loan or rental of replacement vehicles. Given the variety of operations and the potential risks involved, it is crucial for auto repair shops to have comprehensive insurance coverage to protect against potential exposures.

Hotels are lodging facilities designed to provide accommodation, dining, and recreational services to patrons. Many hotels also offer meeting facilities for seminars and conferences. Given the diverse range of services and the high volume of guests, hotels face numerous risks and exposures that necessitate comprehensive insurance coverage to protect their operations, property, and reputation.