Every state varies in their laws regarding liquor liability as it applies to establishments selling and serving alcohol. Illinois law states that
Restaurants and Bars Need Unique Coverage
Restaurants and bars require a custom tailored insurance policy to manage the risks unique to their industry. Liquor liability (dram shop) insurance
You need to know the difference; Replacement Cost vs. Actual Cash Value
With the constant bombardment of insurance advertisements on the tv, radio and internet promising to save you 15% or more, it's important to
Business Insurance: Reducing claim reserves saves money on renewals
Insurance claims on a business insurance policy are comprised of two main components for accounting purposes, costs already incurred by the claim and
If a tree falls on your property, does your insurance cover it?
The answer is yes and no, as usual with insurance it depends on the circumstances. Let's say a tree branch falls through your roof and causes damage
What to do if you have water damage in the basement:
The summer brings with it summer storms that can dump a large amount of rainfall in a short amount of time. Basements flood for many reasons, but the
Isaac Causes $1-$2 billion in damage.
Hurricane Isaac losses in the US are projecting between one and two billion dollars. Hurricanes Gustav and Katrina both made landfall in the same
Storm prep 101: water backup in the basement.
Good article on how to prepare for storms. Remember, water backup from drains and sump pits in the basement is only covered by special endorsement on
Clothes Dryers Responsible for 3,000 House Fires Each Year
Be sure to clean your clothes dryers lint trap and exhaust vents regularly. According to a recent study by the U.S. Fire Administration each