Why You Should Consider Purchasing Adult Night Club Insurance

Night Club Insurance

Running a business of any sort comes with a certain amount of risk.  This is especially true when it comes to nightlife and adult entertainment.  It is important to be prepared for the worst-case scenario.  Part of being prepared is having good adult night club insurance coverage that can pick up the cost if something goes wrong.

There are a number of different insurance types available specifically for adult entertainment businesses.  However, there are three major types of coverage that address some of the most common risks presented in the adult entertainment industry.

Assault and Battery Coverage

Assault and battery is one of the biggest risks faced by adult businesses.  Assault and battery can occur between patrons and it can occur between an agent and a patron.  It is important to have coverage for both of these situations.

Harassment Coverage

Harassment is extremely common in the adult entertainment industry.  Dancers and entertainers are constantly at risk of being harassed by customers and it can lead to serious issues.  Having tailored coverage that includes harassment coverage can make a huge difference.

Liquor Liability

Any establishment that serves alcohol can easily face a variety of potential issues.  If a customer gets drunk at your establishment and then drives and causes an accident, you can easily become liable.  It’s vital that you have adequate coverage in this capacity.

Running an adult entertainment business can be tricky.  Having good insurance can make all the difference.

Common Questions about Non-Profit Volunteer Insurance

Non-Profit Volunteer Insurance

Many nonprofit organizations rely on volunteers to fill vital roles. They do everything from routine office tasks to direct work with clients, and they do it all without getting paid. That can have a significant impact on an organization’s finances. However, their status as volunteers often excludes these workers from coverage provided by traditional employment-based or business insurance policies. That is where comprehensive non-profit volunteer insurance coverage enters the picture.

What Does Non-Profit Volunteer Insurance Cover?

Coverage will depend on the policy you choose for your company. However, there are some common types of volunteer liability insurance that many nonprofits carry. These include:

  • Directors and officers dishonesty for cases involving improper employment practices, slander or libel, copyright infringement, and invasion of privacy
  • Volunteer liability for accidents that cause injury to a volunteer
  • Volunteer dishonesty coverage for instances such as fraud or embezzlement by a volunteer

Who Should Carry Volunteer Insurance?

If your nonprofit utilizes volunteers for any role, then this coverage is a good idea. it provides protection that extends beyond the limits of traditional business insurance and can be tailored to the needs of your organization.

Are Certain Things Excluded From Coverage?

There will always be some exclusions from an insurance policy. However, working with a provider who is familiar with the risks faced by nonprofits can help reduce any coverage gaps.

Volunteer insurance for nonprofits offers additional protection from liability for companies that utilize volunteers. Coverage should be tailored to meet organizational needs.

What Does Builders Risk Insurance Cover?

Builders Risk Insurance

A type of construction insurance, known as builders risk, covers materials, equipment and property related to building projects. It protects both new structures and renovations. However, does a builders risk policy cover liability?

Builders Risk

This type of coverage safeguards construction sites from loss and damage during a project, but it does not typically include liability for workplace accidents and injuries.

What Does It Cover?

Builder’s risk insurance protections include damage from the following events:

  • Vandalism
  • Lightning
  • Hail
  • Fire
  • Theft

Each plan differs, but they typically cover external events. Most policies do not include tools, liability, bodily injury, workplace accidents or property that belongs to someone else.

What Does It Exclude?

  • Employee theft
  • Mechanical breakdowns
  • Faulty design or quality
  • Contractual penalties
  • Earthquakes or floods

General Liability

A general liability policy is essential to anyone in the construction industry and mitigates exposures like bodily injuries, property damage and accidents. Lawsuits are expensive and time-consuming. This policy type helps reduce some of the costs associated with liability issues.

The law often requires a construction company to have this kind of insurance. It ensures coverage when someone sues for property damage, bodily injury or advertising slander.

It is vital to understand how each of these policies works. Liability policies focus on protecting the general contractor, and builders risk minimizes risk on the job site. For the best coverage without gaps, consult your insurance agent.

Should Nurses Invest in Malpractice Insurance?

Malpractice Insurance

Medical malpractice has been on the rise in recent years, and it’s not just physicians and surgeons who need to worry. Claims against nurses are increasing as well. Any wrongful act by a medical professional is considered medical malpractice. While nurses may assume that their employer’s liability coverage will protect them if a claim is issued, that’s not always the case.

Liability Coverage for Nurses

When a nurse is sued for malpractice, in many cases the hospital or health care facility doesn’t have enough liability coverage to fully pay for the legal fees. In addition, part-time nurses may not have the same benefits as full-time workers. In these circumstances, nurses carry much of the financial burden themselves. Thankfully, the Nurses Service Organization, offers NSO malpractice insurance to protect nurses in many situations, including:

  • Misconduct and abuse claims
  • Failure to exercise care
  • Claims involving injury or other damages to a patient due to improper care
  • Information privacy (HIPAA) claims

Medical malpractice insurance also protects against discipline issues brought by the health care facility. The annual premium for NSO malpractice coverage is usually quite reasonable.

Investing in nursing malpractice insurance is an individual decision. When factoring in the risks of going without coverage, however, the low cost makes the decision much easier.

Organizing Your Valet Service for Successful Events

Valet Service

Valet parking is a guest’s first impression and the last one, too. Knowing how to organize valet parking for your events is vital to your organization’s success and ensures good reviews and future business.

Know Details Ahead of Time

First, find out the number of expected attendees. Then, scope out the available parking area at the event location. Make a plan that ensures enough space for the attending guests. Determine whether people arrive at once or throughout the evening, so you have enough valets available.

Make a Good Impression

Clean, crisp uniforms for your parking professionals ensure a remarkable first impact for guests and set the tone for a great experience. Have the necessary equipment for a smooth operation such as signs to direct visitors, a podium for the valet manager, and tickets to identify the cars and keys. Additional perks like patio heaters, umbrellas or snacks and drinks offer an upscale and memorable interaction with your service.

Communicate With Guests

Provide parking information on event invitations and communicate with callers throughout to ensure a seamless process.

Acquire Liability Insurance

Understand the risks associated with your service and how to organize valet parking to minimize possible safety concerns. Insurance for your company typically covers:

  • General liability covers injury or damage to a property caused by a valet attendant.
  • Garage keepers insurance pays for damage to vehicles in the care of your drivers.
  • Workers’ compensation provides medical and disability coverage for valet injuries or illnesses that are job-related.

Tips to Start Operating a Commercial Painting Business

Tangram Insurance Services

Commercial painting companies don’t require a huge start-up cost compared to other industries. Before you launch your company, there are a few things to consider such as janitor insurance programs.


The insurance firm Tangram Insurance Services classifies professional painters as a primary class in their janitor insurance programs. Wet paint can cause someone to slip and fall. An injury can cost the business substantial financial loss. Insurance steps in and help cover your risks to ultimately save you time and money.


Most businesses have to register with the local government. A quick search often brings up the secretary of state’s office where you live. In a few minutes, you can complete the form and start operating.


Painting requires some equipment. Keep in mind that you don’t have to have all of this on hand immediately. You can wait to purchase items once you have the customer’s deposit. Or you can rely on your subcontractors to supply it.


A business website helps your business look professional. It also helps customers find you. Include keywords such as commercial painter in x location, etc. Clearly show your contact information right on the home page.

These tips can help your commercial painting business launch with success and less money. Janitor insurance programs can help keep your fledgling business painting along.

Liability Protection Needs for Schools

Caitlin Morgan

Educational facilities provide an important service to individuals of all ages all across the country. More than institutions of important learning, schools and other facilities provide employment for millions of individuals, many of whom also receive healthcare coverage through their position. The insurance needs for these enterprises are diverse, as education insurance services need to include coverage for staff, students, grounds, commercial vehicles, equipment, buildings, and property.

Disruption Protection

Schools have normal operating hours just like other institutions, and when schools are closed or experience incidents that threaten operations, the disruptions can be chaotic and financially damaging.  As the Caitlin Morgan team advises, insurance products and the advice of the brokers can be used to help a school identify potential areas of disruption and protect against them. School may need coverage in the following areas:

  • General liability
  • Auto liability
  • Cyber liability
  • Professional liability
  • Property coverage
  • Employment practices and law enforcement liability
  • Workers compensation
  • Umbrella protection

Your Designated Defense

Because your employees are busy taking care of teaching and mentoring eager minds and individuals, you don’t want your operations threatened by lawsuits or claims against the institution. An insurance program that addresses your areas of exposure will have policy terms that can support the financial pressure of a lawsuit, whether it be paying out settlement awards or paying for legal representation. Your insurance plan is the first line of defense against incidents.

Advice for Home Growers of Marijuana

Hemp Insurance Program

Growing cannabis at home is a wonderful way to save money and ensure you are consuming only the freshest product. Before you begin your home cultivation project, consider these legal grow op tips from experienced growers.

  1. Do Your Homework

Canadians had cause to celebrate when the federal government legalized home marijuana cultivation. However, provinces have created their own laws to regulate the practice. So before getting too far along in your planning, research the laws where you live.

  1. Source Your Seeds Wisely

With so many people jumping on the retail cannabis bandwagon, you have to be sure that the supplier you choose is trustworthy. Ask other growers who they use, or join Internet discussion boards if you don’t know anyone personally.

  1. Grow Indoors

Even though the idyllic image of tending crops in the fresh air is appealing, there is too much risk involved in keeping your vulnerable plants exposed to the elements. They can be lost to insects or, worse yet, to dishonest people.

  1. Insure Your Plants

Most people don’t realize that cannabis plants can be insured, but a good hemp insurance program is crucial. Even with the four-plant per household limit, the expenses from your plants, fertilizer, water, and grow lights are an investment that you need to protect.

Selecting the Best Insurance for Your Business

Program Business

Protecting your business and its assets is crucial for your continued success. Unfortunately, there are plenty of dangers that can cause you financial issues down the line. To meet the demands placed on your business, you need proper insurance. Selecting insurance involves more than simply browsing a directory of insurance agents. There are several key factors that play into picking insurance that works for your company.

Important Insurance Considerations

According to the experts at Program Business, there are several areas to focus on when looking for an agent to meet your insurance needs. First, it is essential that you assess the risks of your business. This will give you an idea of the areas that require the most attention. Additionally, areas to focus on when selecting an agency include:

  • Agency’s licenses
  • Specialty programs
  • Competitive offers

Update Regularly

What’s more, you might currently have insurance and feel unhappy with the coverage you are being offered. It is normal for a business to reassess insurance needs on an annual basis. When you get into this habit, it helps you select a provider that meets your unique needs.

Finding the perfect insurance agency for your company is a journey that requires a little bit of work. Give yourself time to weigh out your options and find a fit that makes the most sense.

How Workplace Safety Benefits Your Business

Program Business

Operating a business can be an involved endeavor. To see continued success, it is important you focus on key aspects of your company’s operations. Above all, you need to think about workplace safety. Recent reports have stated that The New York State Insurance Fund has distributed over $173 million in dividends to businesses exhibiting safety in the workplace in exceptional ways. To see benefits like this from NYSIF, you need to take action.

Simple Safety Steps

Reports by Program Business state that the funds distributed to policyholders will be used to help invigorate businesses, create jobs, and aid with expansion efforts. Taking advantage of these opportunities starts with understanding basic workplace safety. Educate yourself on OSHA standards and try to target areas in your work environment that pose risks to employee safety. You can also see improvements by:

  • Educating employees on proper safety protocols
  • Having your business assessed by an insurance specialist
  • Invest in newer equipment to reduce accidents

A More Secure Environment

Workplace safety has a way of paying off down the line. Not only does it help you increase the odds of benefits from your insurance provider, but it also makes your employees feel more secure while at work.  This morale boost might serve to create a more positive work environment all around.

Safety should always be a top priority for your business. Discover how you can create a more secure environment and do your part to make a difference.