Seasonal Operations, Year-Round Protection
Seasonal risk insurance is vital for properties or businesses that are not in operation year-round. These risks, typically closed no more than 270 consecutive days, require special attention to ensure protection against potential hazards during periods of inactivity. If a property is closed for more than 60 consecutive days without...
Hired and Non-Owned Auto: Strengthening Safety and Reducing Risk
Hired and Non-Owned Auto (HNOA) exposures present significant risks for businesses that rely on employees or contractors to use personal vehicles for work-related tasks. Whether you're establishing requirements, promoting safe habits, or reviewing incidents, preparation and consistent processes are crucial. Effective HNOA management helps keep operations running smoothly and protects...
Understanding Spontaneous Combustion in the Kitchen
In busy kitchen environments, fire risks don’t always come from open flames or hot appliances. Sometimes, the materials used for everyday cleaning can create hidden hazards when handled improperly. One often-overlooked danger is spontaneous combustion — a rare but serious threat that can develop slowly and without obvious caution. Understanding
Expect the Unexpected: Underwriting Entertainment Risks in Hospitality
Illinois Casualty Company (ICC) has insured hospitality businesses since 1950. After 75 years, it is hard to come across a risk that has maintained open doors without implementing some kind of change to their establishment. Additionally, the hospitality sector has some of the highest turnover and closure rates of any
