Live Insurance News

What can fitness experts expect from personal trainer insurance?

August 12, 2019August 9, 2019 Julie Campbell

Personal Trainer Insurance - Personal Trainer

Fitness experts face a number of liability exposures and need commercial policies designed to protect them. Personal trainer insurance is a category of commercial policies created for the protection of these fitness professionals. Many trainers think they’re covered with a general liability business policy but may need more. Though the basic level of personal trainer insurance typically does involve commercial general liability coverage, there are other policies that better cover a fitness expert’s exposures. Indeed, it’s easy to remember the need for third-party bodily injury, reputation harm and property damage,…

53% of independent workers think they don’t need self employed liability insurance

August 1, 2019July 31, 2019 H. Cutner

Self Employed Liability Insurance - Man sitting on couch using laptop

A new survey showed that more than half of freelancers think they don’t need any coverage. Fifty three percent of freelancers, independent contractors and small business owners feel they don’t require self employed liability insurance, said a new Qdos survey. Moreover, over half of those who think they don’t necessarily need it don’t have any coverage at all. The Qdos survey showed that 29 percent of those freelancers and independent contractors had no self employed liability insurance at all. That said, clients are coming to understand the importance of coverage…

Farmers market insurance important rises with farm to table trend

July 1, 2019June 28, 2019 Julie Campbell

Farmers Market Insurance - Farmers Marekt - Fruit - Business

The rising focus on eating whole, fresh foods has underscored the importance of this coverage. Shopping directly from food growers has become an important trend and with that, farmers market insurance has been on the rise. For many people, buying what is in season and grown locally has become a way of life. As a result, farmers markets have become more common, larger, and busier. As a result, farmers market insurance has become much more commonly offered. This makes it possible for vendors at these local events to be able…

Independent hairdressers are learning the importance of hair stylists insurance

June 25, 2019June 22, 2019 Julie Campbell

Hair stylists insurance - haircut - salon

This type of policy is more affordable and provides more coverage than many professionals realize. Salon owners may realize that they need hair stylists insurance among their business policies, but independent hairdressers frequently don’t realize the importance of this coverage. What is independent hairdressers’ insurance? Hair stylists insurance provides you with vital professional and general liability coverage. This is important regardless of whether you are giving someone a quick trim or are creating a drastic new look. Many stylists don’t realize that this type of niche policy for an independent…

Yoga insurance rises in popularity as instructors seek to cover themselves

May 6, 2019May 4, 2019 Julie Campbell

Teachers are discovering that despite their best efforts to instruct safe practices, injuries can occur. Even the best instructors who underscore safe, accurate postures are looking into yoga insurance on a rapidly increasing basis. This industry niche is helping yoga teachers to make sure they’re covered when injuries happen. Despite instructors’ best efforts some students use asanas incorrectly or push themselves too far. Most reputable yoga instructors require their students to disclose medical conditions that could affect their safety in class. They will also pay close attention to their students…

Environmental liability insurance market takes off as regulators crack down on pollution

November 23, 2018November 23, 2018 H. Cutner

Environmental liability insurance - Air Pollution - smoke

As standard property or general liability policies don’t cover enough, pollution coverage is increasingly common. Environmental liability insurance is rapidly growing in popularity as exposures have grown beyond the coverage from general liability and standard property policies. Claims relating to pollution and the environment are frequently complex as well as expensive. The complexity and cost relating to issues relating to pollution have sent underwriters to step away from risks relating to pollution. This has left a gap open for environmental liability insurance products to fill. The market in many countries…

Directors and Officers insurance importance has changed due to #MeToo

October 29, 2018October 28, 2018 Nordstrom

Directors and Officers insurance - Woman Holding #MeToo paper

The movement may have gained traction through celebrities, but it is changing workplace culture. The #MeToo movement took off as a result of the Harvey Weinstein scandal, but directors and officers insurance (D&O insurance) changes are reflecting the impact in the average workplace. Over the past year, the movement has gained tremendous momentum. Companies are paying attention. Businesses are becoming enthusiastic about an array of changes that follow the #MeToo movement. “There’s now a swell of enthusiasm for the notion that women and men will not tolerate sexual harassment in…