Make sure when there's snow, Ice & sleet you're home is covered.
As we write this post our office is closed officially today for a Snow Day! Who doesn't love a Snow Day every once in a while? A temporary break from the work week, a time to stay home in the warmth and even an opportunity to capture a few fun moments with loved one's by playing in the snow! Among all of the fun activities a Snow Day can provide, home owners should be wary of these critical items which could occur during cold temperatures such as Snow, Sleet and Ice that a homeowners policy may not cover.
1. a CAVED IN ROOF:
2. Ice Damming:
3. Roof Leaks due to Incorrect Installation
4. Frozen Pipes Burst:
Did you know in order for a homeowner to have insurance protection from freezing plumbing, heating, air conditioning, automatic fire protection, or of a household appliance the named insured should t take precautions to maintain heat in the building or shut the system off and drain the appliance. If these precautions are not taken and a homeowners insurance policy experienced a claim due to frozen pipes, insurance coverage may be excluded.
5. Damage from frozen tree branches
Trees, shrubs, plants and lawn damages are often not covered by hail, weight of ice/snow and wind. Open perils coverage will cover any unnamed perils. Homeowner Insurance policy holders should know that the structure damage could however be covered if a situation involving a tree or a branch falls on the house and/or garage.
6. Winter sTORM power Failure:
All homeowners should be aware of these listed house threats that a winter storm could pose. For further questions, homeowners insurance exclusions and even home owner insurance quotes feel free to contact Snotherly Insurance directly by clicking this link or emailing us directly at firstname.lastname@example.org.
Consider this for Liquor Liability Insurance coverage?
Let's get ready to Rumble! Not exactly the words that a bar nor dram business owner desires to hear at their tavern, restaurant, brewery or bar, however according to a recent study nearly 30% of all accidents that occur at these style venues is due to assault and battery.
Hence, the necessity for not only General Liability insurance, but also Liquor Liability to protect from a business from the possibility of such as risk. However, alongside these 2 lines of insurance, no business owner should simply assume that all charges concerning assault and battery that could occur at their establishment may be covered. In fact, if a business owner carries General Liability with one company, and Liquor Liability with a completely separate carrier, determining which line of insurance may pay for bar fight can be complicated. Consider the following: Bodily Injury and Property damage through a basic general liability policy may allow coverage if a patron or customer were to slip and fall, it is however very likely that a general liability policy will exclude these items if liquor or alcohol is involved. Liquor Liability on the other hand may provide Bodily Injury and Property Damage if a patron is over served, consumes too much, or if there is selling of alcohol to a minor, but could very exclude assault and battery exposure.
The solution, mentioned by Sandra Haley, the senior vice president of underwriting and marketing at Hospitality Insurance Group in a recent IIABA Insurance publication mentions securing a General Liability and Liquor Liability policy through the same carrier. Snotherly Insurance offers General Liability and Liquor Liability for breweries, restaurants, dram shops, craft beer stores, and even bars and taverns throughout North Carolina. For more information concerning coverage in case of bar fights, we recommend seeing the below article which was used as a reference for this specific post.
Here we will be publishing articles, tips and information regarding insurance on a regular basis. Make sure to tune back to this page often has we post a new blog every month!