Do I Need Tanning Salon Insurance?

Do you own a tanning salon, or do you have tanning operations as part of a larger business model, such as a fitness center or beauty salon? We can help you insure where others may not want to look at that exposure that you have. Tanning salons are a specialized type business. Many carriers are not comfortable with the exposure that comes along with insuring tanning salons. Here at Philleo Agency, we are very comfortable with it, and we insure many businesses that have tanning operations.

Do I Need Landscapers Insurance?

Let’s talk about landscaper’s insurance. Landscapers have a lot of different issues going on with regard to their insurance. Most of the time they have vehicles, they need general liability coverage, they need property coverage for their equipment, and a lot of times they need work comp insurance. By the way, you can see videos on each one of these topics on Philleo.com. But let’s go over landscapers in general, and discuss some of their needs. We’ll start with their general liability. That’s what’s going to protect them in case they damage someone’s property or injure somebody in the course of their construction, or their work, or their lawn maintenance, and those types of things.

Tavern Insurance | Bar Insurance | Nightclub Insurance

Hello, I’m Ron Philleo with Philleo Agency Insurance. Welcome to Philleo.com. Today we are going to talk little about insurance for taverns, bars, night clubs and restaurants that serve alcohol. When you serve alcohol, you have some additional exposures to liability and some unique situations that you need specialized coverage for. In this video we’ll discuss a little bit of those. The first and most important coverage for any tavern, bar or restaurant serving alcohol, or night club, is that you carry the right liability coverage. The first thing is general liability. General liability is going to be considered more or less your premise liability that is going to protect you in case of somebody gets injured on the premises. Very important, you want to carry a lot of coverage. Having a facility that serves alcohol, the exposures can be much higher than ones that don

Insurance for Contractors

Insurance for contractors can be a specialized type of insurance. It’s business insurance, but contractors represent a broad variety of types of risk, and there are some specialized coverages, for every type of contractor, that you want to be aware of.

Snow Plow Insurance

Insurance for snow plow businesses is very important. If you own and operate a snow plow, you want to make sure you have the correct insurance. I am going to go over a couple basic ideas for snow plow businesses.

What is Hired and Non-Owned Vehicle Insurance?

I want to talk to you today about a coverage that is very important. It’s called hired and non-owned auto coverage. It typically gets attached to either a commercial business policy or commercial auto policy. What’s this coverage do? Well, this coverage is very important. It protects you in case somebody is using their own vehicle and has an accident, while working on behalf of you.

What is Insurance Exactly?

You know, sometimes the most basic concepts are the most important concepts. I wanted to talk to you about why you should have insurance. A lot of people ask that question, “What should I insure?”, or “Why should I have insurance?”

Well, let’s start with the most basic premise of what insurance is. Insurance is a tool to transfer risk. And typically, the risk you want to transfer is a risk you couldn’t afford to absorb yourself. Let’s say if you injure somebody in an auto accident, or if your home burns down to the ground.

Understanding Business Liability Coverages

There’s lots of different types of business liability coverages. Today I’m going to go into some of the most common coverages, and check our website for future videos because we’ll go into more detail with some of these coverages I’m going to mention in future videos.

The most common one is general liability coverage. General liability is just that. It’s very general. It covers if people get injured because of your business activities or if you damage property due to your business activities. It’s a real important coverage. You want to make sure that’s on your policy.

What is Workman’s Compensation Insurance?

Workman’s compensation insurance. You’ve heard me mention it before. I’m sure you’ve heard lots of people mention it before. I’m going to explain briefly what work comp insurance is, give you a brief overview of it and we’re all going to do additional videos on how you generate the premium for work comp, or how the premium is calculated.

But, to start off, with work comp insurance covers your employees in case they’re injured on the job. So, while they’re working on behalf of you, the employer, if your employees are injured while at your office, at a job location, or perhaps they’re traveling. The point is, if they’re injured while they’re working for you, the employer, they’re covered.

How Much Is Workman’s Compensation Insurance?

Work Comp is specifically rated and there’s two factors that go into rating it. The first one is what kind of work are your people doing? Someone that’s working inside of an office has a very, very low hazardous job. Someone that is a steel worker, trimming trees, putting on roofs, those are all very high hazardous jobs and the chance for those people to get injured are much more than, let’s say, the office worker.