COVID is “Serving Up” Changes to Restaurant Insurance Needs

COVID is “Serving Up” Changes to Restaurant Insurance Needs

Faced with the harsh reality of closing their doors completely or making drastic changes to their business strategy, restaurant owners and operators reimagined their dining and service experience in 2020. Many of these changes introduce potential coverage gaps that insurance agents and brokers should be aware of, as they work alongside their...

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Protecting Your Business From a Mass Shooting

Protecting Your Business From a Mass Shooting

Mass shootings have been on the rise since the beginning of the COVID-19 pandemic, which is classified as an incident with at least 4 people injured or killed. According to non-profit organization Gun Violence Archives, 2020 saw 611 mass shootings, compared to 417 in 2019. As of mid-October, we’ve seen 570 this year. Consequently, there’s been a...

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The Benefits of Owner Controlled Insurance Programs

The Benefits of Owner Controlled Insurance Programs

Owner Controlled Insurance Programs or OCIPs (often referred to as “Wrap-Ups”) are insurance policies taken out by a property owner where construction is taking place. OCIP plans provide blanket coverage for the contractors and subcontractors working on the project to ensure that all eligible parties have sufficient liability coverage. Rather...

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Owner-Operators and Transportation Insurance

Owner-Operators and Transportation Insurance

Owner-operators in the transportation industry must carry the proper insurance coverage for the types of jobs they take on, particularly because the brokers and motor carriers they work with often pass the burden of maintaining proper insurance off to them directly. Insurance agents are such a valuable resource to owner-operator transportation...

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COVID-19 Dramatically Increasing the Work From Home Population – Now What?

COVID-19 Dramatically Increasing the Work From Home Population – Now What?

As the coronavirus disease 2019 (COVID-19) outbreak continues to spread at a rapid pace, Risk Innovations has received an increased number of inquiries regarding work-related COVID-19 claims. Coverage varies with Workers’ Compensation statutes from state-to-state, so all cases reported are evaluated by our carrier partners directly based on the...

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Why It’s Essential for Your Clients to Have Cyber Liability Insurance

Why It’s Essential for Your Clients to Have Cyber Liability Insurance

The need for Cyber Liability coverage isn’t limited to Fortune 500 and Global 2000 enterprises. Losses from data breaches and other cyber events impact businesses of all sizes across all industries, so it’s important to educate your clients on the ways Cyber Liability insurance protects them and covers their potential exposure. Your client may...

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What Is Garage Liability Insurance?

What Is Garage Liability Insurance?

Does your client’s business handle customers’ vehicles – e.g., repair shops, auto dealerships, service stations, etc.?   Garage Liability insurance is a combination of General Liability and Auto Liability. It protects against potential liabilities for businesses in the automotive space including premises liability, auto liability, accidents...

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Professional Liability Insurance Coverage: Notable Exclusions

Professional Liability Insurance Coverage: Notable Exclusions

Professional liability insurance helps protect professionals and their companies against claims related to services offered. These claims typically point to negligence or errors and omissions in advice or services that ended up creating problems for the client, especially if it manifests in financial harm. To protect against these claims and...

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Jencap offices will be closed Monday, July 4th in observance of Independence Day.