Yoga Studio Insurance | Get A Free Business Insurance Quote

Yoga Studio Insurance Program

Yoga studios promote mental, physical and spiritual discipline. Through exercises conducted by an instructor, students learn to grasp the idea and feeling of Yoga. Most Yoga Studio operations have an exercise room, with live instructors. Students sign up for classes, which could meet a couple of times a week. Operations could also include individual sessions.  We can provide insurance coverage for many yoga styles including Bikram, and offer coverage for instructors teaching on and off premises.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Child Care coverage available
  • Coverage extends to employees as well as independent contractors

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Martial Arts Studio Insurance | Get A Free Business Insurance Quote

Martial Arts Studio Insurance Program

Martial arts studios hold classes in different mixed martial arts(MMA). This can be anywhere from karate, Aikido, Cardio Kickboxing, Kendo, Tai Chi and Tae Kwon Do. Other Styles we can insure include: Brazilian Jujitsu, Grappling, Mixed Martial Arts and Submission Fighting. Classes may be taught to all ages.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverages we offer.

  • General Liability
  • Building
  • Business Property
  • EPLI- Employment Practices Liability
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance

Other Optional Coverage:

  • Higher Limits Available
  • Zero Deductible for General Liability
  • Coverage extends to employees and well as independent contractors
  • Business Income / Extra Expense limit of $100,000 included as part of our Elite Property Form
  • Child care coverage available

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-on-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Fitness Center And Health Club Insurance | Get A Free Business Insurance Quote

Fitness Center & Health Club Insurance Program

As a business owner or operator, you deliver services for people to be their best. You offer monthly memberships, have personal trainers, have fitness classes and more. Your job is to keep people healthy and happy.

The last thing you should be worried about is insurance. When you buy or have insurance through our agency, you won’t. Work with one of our licensed insurance agents, who will help you create a comprehensive and superior insurance policy that best fits the business. What if a piece of equipment were to break and hurt a customer, do you have enough coverage? We help answer these types of questions at our agency.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look at a break down of coverage we offer.

  • General Liability
  • Building
  • Business Property
  • Inventory Coverage
  • Special Equipment Coverage
  • Loss Of Business Income
  • Excess/Umbrella Liability
  • Workman’s Compensation
  • Commercial Auto Insurance
  • Employee Dishonesty
  • Accounts Receivable
  • and more!

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

How Protect Your Business From Slip And Fall Lawsuits And Workman Comp Claims

Protecting a business from loss is one of the most important things that can be done. Not only that, but providing a safe environment for your customers, and employees is most important. Restaurants, retail & grocery stores, hotel, etc, the business could experience a lot of “foot traffic”. The business is designed around customers coming in, looking, feeling, touching, walking or whatever sense is used with the service. An indirect consequence, people tend to not pay attention to where they walk, or hazards can surface that are natural to daily operations. One of the big hazards are potential “slip and falls”. As a matter of fact “slip and fall” lawsuits have become very common.

Facts Pertaining To Slip & Fall Lawsuits In Retail Stores

  • Retail and super market stores spend annually almost a half billion dollars each year to defend slip and fall lawsuits.
  • Slip and falls annually are the number 1 most common injury in supermarkets for both customers and employees.
  • About 25,000 people a day are quote “victims” to slip and falls, and on average per hour slip and falls result in 3.5 million dollars in losses.
  • The average cost of a slip and fall exceeds $12,000 dollars.
  • The average cost to defend a slip and fall lawsuit exceeds $50,000.
  • Plaintiffs win 51% of all “slip and fall” lawsuits.

Facts Pertaining To Employee Slip And Falls

  • 65% of all employee lost work days due to injury are from slip and falls. This results in 95 million dollars of losses.
  • 22% percent of injuries that result in 31 or more lost work days, are due to slip and falls.
  • Compensation for employee slip and falls result in 70 billion dollars annually.
  • The food industries leading work injury is slip and fall.

Food Service Industry Facts

  • 57% of all general liability claims in the industry result from slip and falls.
  • Since 1980 personal injury lawsuits have increased 3 fold.
  • The average restaurant, hotel, etc have 3 to 9 slip and fall lawsuits per year.
  • Slip and falls are the number 1 accident in the industry.
  • 70% of slip and fall injuries are on a flat service.

How Do You Protect A Business From Slip and Fall Injuries?

  • Always keep a clear walking path for employees and customers. Make sure that aisle’s, hallways, or any areas that get foot traffic don’t have slipping or tripping hazards.
  • When there is a spill or wet are, clearly mark the are immediately, and clean it up if possible. Make sure the area is marked, right away. Timing can be very important.
  • Encourage customers if they see a spill to report it immediately.
  • Have a clear written procedure for what needs to be done, when a spill takes place.
  • If it’s snowing or raining, make sure to get out warning signs and put them in any areas that get foot traffic.
  • Make sure when it’s snowing to shovel all foot traffic areas outside, and lay down salt.
  • We also advise during the winter to put outdoor warning signs of any potential slipping hazards at entrances and exits.
  • Make sure foot traffic area’s are well lit.

What Businesses You Do After A Slip And Fall

Customer: Call 911 if the person has seriously been hurt. Do NOT let employees touch the customer or provide any medical attention. The business could be held liable from these actions if anything goes wrong. Instruct employees if they see anything to not admit or tell anything to the customer(s), or tell other employees. Instruct them not to talk about the incident with anyone except authorized personnel. Get a full written incident report. Save any video surveillance of the incident. File the claim with you insurance company. The insurance company will instruct what to do.

Employee: Call 911 if necessary. Employees need to report all incidents to management right away. File a claim with your workman’s comp insurance company. Have the employee fill out all necessary documentation including an incident report. Do a full investigation of how the employee got injured. Instruct the employee not to discuss the claim with anyone except authorized personnel and the insurance company.

 

All in all, slip and falls result in huge monetary claims each year. There is also a lot of fraud that occurs with these type of claims. All the costs of slip and fall lawsuits, are eventually passed on the consumer in one form or the other. It is best to try to keep these types losses down, by most of all using common sense.  If you have any questions, feel free to call or leave a comment. Remember we can write in 45 States in including home State, Colorado.

Sources: Light House Enterprises

Loss Of Business Income Insurance Coverage

In the event of a large loss, it is most likely a business will not be able to do daily operations. Sometimes a business is shut down due to a claim. This can be a couple of days, of even sometimes up to a year. Sometimes a loss can result from another loss. This is called an indirect loss. Such indirect loss could be losing business income from a big loss.  Since your business can no longer operate, it is only natural for this to happen.

What is business income loss insurance?

This coverage supplements your business income from an indirect loss, when a direct loss occurs and effects your revenue. This coverage is usually good for up to 12 months of lost income. Business income can be considered any type of revenue from daily operations. The insurance company has to indemnify all losses, but no profit can be gained from the insurance company. This unless it is apart of daily operations income.

Why is this so important to have on my insurance policy?

Incidents that result in business losses, can be unforeseen. If your operations are stopped due to an insurance loss, it is a must you  protect the businesses income. This simply can be done, by buying a business owners policy, that has loss of business income, included in it. Always make sure that this coverage is good for 1 full year.