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Risks of Expanding Business into Propane Delivery

Risks of Expanding Business into Propane Delivery

If you’ve been considering diversifying your heat and oil business to include propane delivery services, this can be a profitable move. However, there are also many things to keep in mind before jumping into this new endeavor.

Financial Considerations

Going into the propane industry will require a large financial investment. It could put a significant financial strain on the rest of your business. Many of the upfront costs that you will need to consider include bobtails, storage families and tanks for your consumers.

If your business is in a strong position financially, then this move can make a lot of sense. For businesses that are already struggling, it can make their situation worse.

Safety Considerations

Because propane is a hazardous chemical, your employees will have to go through additional training in safe housing and delivering propane. Some of the hazards include:

  • Propane inhalation
  • Direct skin contact
  • Correct use of protective equipment
  • Environmental disasters

These risks will necessitate the addition of propane dealers insurance to your commercial policy. If there is a mishap, you want to ensure your business is protected.

Propane can appear to be a lucrative business, and it can be if you have the resources to get a new business off the ground. Understand the risks and be cautious as you enter into the industry.


What You Need To Know About USLH Insurance

What You Need To Know About USLH Insurance

Taking out the right insurance plan can make all the difference when it comes to the long-term success of your business. Every industry has unique risks, which means you want to make sure your insurance package is tailored to the specifics of your field. If your business involves vessels that operate on navigable waters, you definitely need to understand United States Longshore & Harbor coverage and how it compares to a traditional package for Workers’ Compensation.

The Basics of USL&H

Understanding how USL&H insurance works are quite simple. Essentially, workers who are on boats and other large sea-faring vessels on navigable waters are in a unique position when it comes to insurance. Being both at sea and possibly away from the shores of the country where the business is based creates obstacles. United States Longshore & Harbor coverage tackles this problem by providing ample coverage for all workers who are at sea. Opting for this type of coverage is not only helpful for your business, it also is required for certain businesses. Additional points to consider include:

Properly Protect Your Employees

To properly protect your business from the risks of your industry, you need insurance that can rise to the challenge. Look into how United States Longshore & Harbor coverage works and determine if it is needed for your business.


The Best Marketing Tool for Your Cannabis Business

The Best Marketing Tool for Your Cannabis Business

Cannabis is one of the most challenging sectors to the market. Cannabis companies have to come up with creative ways to let their potential customers know of their existence. One of those creative avenues that have shown good ROI is through sponsorships. 

How Sponsorships Work

Promoting your business through cannabis sponsorships will increase your visibility. Many events work hard to find sponsors and are going to be eager to work with you. The event coordinator will ask you to choose a sponsorship level. Keep in mind, each level will offer your business more exposure.  

Think about what type of exposure you would like to give your business. Consider having exposure in or on

  • the backs of t-shirts
  • banners around the event
  • programs and media advertising
  • announcements during the event
  • goodie bags, including providing your own swag for event participants

Choosing a Market

Not all events are going to be a good fit for your business. You also don’t want to sponsor an event that is out of the market. 

As a cannabis business, think about who your clients are, and where you see them spending their free time. It is at those types of events that you want to take your brand image to attract other people like them.

Being a part of an event can also be a rewarding experience as you get to meet new people who have a genuine interest in your business, and you get to give back to the community. 


School Risk Management: The Impacts of COVID-19

School Risk Management: The Impacts of COVID-19

Given the multitude of concerns around the COVID-19 pandemic, there is a critical need to implement dynamic risk management programs for schools. Two important first steps are assessing and prioritizing potential risk factors. This will determine the course of any management strategy and inform collaborative effort within the school system.

Risk Management Tools

Insurance companies stress the importance of having active risk management tools in place to identify and manage COVID-19 issues. These instruments are similar to other event strategies, such as school shootings or tornadoes, and need to be executed with precision when an incident occurs. Effective risk management protects students and employees, limits time lost, decreases educational disruptions, and reduces legal exposures. Schools can build better risk management protocols using these tools:


Since COVID-19 has the potential for devastating school systems, training should begin immediately for teachers and administration. It is vital to emphasize the need for compliance and teamwork.


A streamlined approach to passing information to the right people is needed for effective emergency response. A database dedicated to COVID-19 training, workshops, protocols, and incident reports will streamline management efforts.


Limit the number of people in the communications loop. The important part is to get information to the people who need it as quickly as possible, to mitigate negative outcomes.

Risk management programs for schools are the best way to protect people and systems during the COVID-19 pandemic. As long as the essential tools are in place, strategies can be continually reevaluated and updated to perform as needed.  


Float Plan Information Guidelines

Float Plan Information Guidelines

Are you planning to spend time on the water? Then one important thing you need to do is file a float plan. This is a critical and often overlooked part of boater safety. A plan provides comprehensive information to an individual who will help oversee your trip itinerary. If you do not make it to your destination as designated, they can notify the proper authorities to make certain you are safe.

Float Plan Details

This is the type of information you should include in your float plan:

  • Personal data: Write down your name and phone number.
  • Boat specifications: Provide the type, make, model, year, color, length, registration number, survival equipment and the name of the vessel (if applicable).
  • Individuals onboard: Give the names, addresses and phone number of all people on board the vessel and be sure to include yourself.
  • Trip plan: Detail your departure and destination information, leave and arrival times and dates, and any stops while on the journey.
  • Vehicle and trailer information: Supply information about your vehicle and trailer and give complete registration information for both.

Always clearly note your expected return date and specify any authorities to be notified if you fail to get back on time.

The experienced insurers at also remind boaters that proper insurance coverage is necessary to keep you safe on the water. Float plans and insurance are good common-sense ways to protect you on any boat outing.


Fall Yacht Maintenance

Fall Yacht Maintenance

A yacht requires a lot of attention to keep it running smoothly, and sometimes it is hard to keep track of everything that needs to be done. Here are some tasks to add to your fall yacht maintenance list. It is best to accomplish these before the weather turns cold.


Close the seacocks to make sure the pipes and hoses don’t freeze. Just remember to open them again before starting the engine. You also should install mooring covers as well as covers on the engine vents.


Fall is the time to check on your battery. Make sure the water level is where it should be, clean the contact points, and spray them with a battery terminal protector and sealant.


Inspect all teak on the outside of the boat. If it is looking dry or discolored, give it some attention with Tung or linseed oil.


  • Adjust the dorado vents to allow air to circulate but water to stay out.
  • Check the ports for leaks.
  • Deflate any non-davit dinghies and store them properly.

Your yacht is like your baby that you love and protect. Before putting it to bed for the winter, be sure you have tucked it in so that it remains safe and sound until spring.


General Aviation Insurance

General Aviation Insurance

General liability is not legally required for non-commercial owners in the aviation business. However, the majority of accidents and crashes involve small aircraft and private owners. This often leaves passengers injured in a crash to pay for their own medical expenses afterward, a path that could lead to lawsuits. Why risk all of that when you can invest in general aviation insurance?

General Liability Insurance

General liability in the aviation industry can fall on the owners and pilots of aircrafts that get in a crash. General aviation liability insurance is designed to protect everyone involved, including the owners, pilots and passengers. It can cover property damage as well.

Customizable Options

Most insurance companies provide plenty of options for aviation coverage depending on your needs and uses. Whether you have charter or corporate planes, helicopters or experimental aircraft, you can find a policy that covers yourself and your property. You can also get coverage for financial institutions. Specialized insurance is available that covers specific parts of the aircraft, family travel and medical expenses.

Most other insurances don’t cover anything aviation-related, so you will need to look into policies specifically for aircraft. Take out insurance before you fly to give you the peace of mind that you are covered in case an accident occurs.


What Employees Expect from a Benefits Plan

What Employees Expect from a Benefits Plan

If you’re like most business owners, you know that your company wouldn’t be what it is without your employees. However, telling your team that you appreciate them isn’t enough to foster good employee retention. The longer you can convince your employees to stay with the company, the better it is for your bottom line. The best way to do that is to offer a great benefits plan.

Why Benefits Plans Matter

When people look for jobs, they look for employers that will take care of them and help them thrive both in work and outside of the office. Offering benefits is a great way to show prospective employees that you value their efforts and want them to be invested in your company in the future. Those comprehensive employee benefit plans help your company stand out from others in the industry and may help you attract the top-tier talent you’re looking for.

What to Include in a Benefits Plan

Designing the perfect benefits plan for your employees largely depends on your budget and the size of your business. Ultimately, the more comprehensive you can make it, the more attractive it will be to your team. Whenever possible, try to include the following:

  • Health coverage
  • Dental coverage
  • Vision coverage
  • Retirement plan contributions
  • Paid vacations
  • Paid sick leave

The more you can offer employees, the more likely it is that they’ll stick around.


What is a Capsize Screening Formula?

What is a Capsize Screening Formula?

Sailing is a popular sport for people who love adventures on the water and have a passion for letting the wind fill their sails. However, sailing requires knowledge and expertise to execute it safely. A sailor needs to understand their sailboat and the risks involved. One risk of sailing is capsizing. A formula called the capsize screening formula was developed to assist boat owners and designers when looking at sailboat dimensions.

In 1979, disaster struck the Fastnet race resulting in 15 deaths and multiple rolled boats. After this unfortunate event, it was determined that the International Offshore Rule (IOR) was inadvertently promoting the manufacturing of unsafe vessels. Experts got together to develop a safer formula and the capsize screening formula was born. 

The capsize screening formula is broken down into the following steps: Capsize Screening Rating = Boat’s Maximum Beam (feet)/Cube Root (Gross Displacement/64).

After plugging in a boat’s numbers, you want the result to be less than two to be considered safe. If the number is greater than two, the boat is at a greater risk of capsizing in rough waters or windy conditions. Safety is the key to enjoying saying. Before you make a boat purchase or venture out onto the open water, make sure you know the sailboats capsize screening score


The Insurance Needs of Intermediate Care Facilities

The Insurance Needs of Intermediate Care Facilities

Operating an intermediate care facility requires a great deal of attention. When a person has reached a stage of his or her life where assistance is required for daily activities or habits, there are many factors at play. While offering this service is a help to many families, you need to think about how you could be held responsible in the event of an unforeseen problem down the line. Knowing how to protect yourself and your business with the right insurance policy is a good way to stay safe.

Common ICF Concerns

Since this type of location is often considered a low-level care establishment, ICF regulation will look different than that which governs other similar institutions. Interestingly, most of the patients who will move into this type of facility will actually require more care. This can complicate matters, especially when it comes to understanding how and when you are liable. The institution might also be exempt from programs that other facilities benefit from, like reimbursement from Medicare over specific costs. Additional points to consider include:

  • Physical therapy and occupational therapy services
  • Transportation to off-site locations such as doctors
  • Specialists and external professionals who visit facilities

Compare and Discover Appropriate Coverage

By looking through the basic points surrounding this type of facility, you will start to understand more about how you should approach your insurance coverage. The more you see how an ICF differs from a traditional nursing home, the more apparent the future risks become.