Posts Tagged ' liability'

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Beginning a Home-Based Business? Here is something you need to know.

Recently an article in the local newspaper featured a story about a senior citizen that teaches piano lessons out of her home. She has been doing so for over 50 years, and hundreds of students have sat at her piano, learning pieces from “Chopsticks” to Ravel’s “Gaspard de la Nuit.” After reading the piece, I decided that “Home-Based Businesses” are a good topic for my blog.  In the current economy, many single parents, senior citizens and stay at home moms are choosing to become entrepreneurs. Home-based – child care, tutors, piano teachers, pet sitters, bakers, dance instructors and hair studios are popping up all around my town. I think it is fantastic, as many great enterprises from Apple Computer to Harley-Davidson began in garages and basements. The downside, is that there is often a misconception that everything that happens under your roof is covered by Homeowners Insurance. Liability, equipment and theft are generally all covered under your H ...

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TIME TO CELEBRATE! Making sure all of your guests get home safely.

The weeks between Thanksgiving and New Years are filled with revelry, celebration and good spirits. This is the time of the year that many homeowners enjoy playing “host” and inviting their friends over to enjoy fine foods, social conversation and toast to good times. I want you to have a great time and rejoice in the season, but I also want to give you some tips, some simple precautions to ensure that everyone has fun and remains safe. No accidents, no tragedies, no litigation is the goal. Remember as the host, you are responsible for the well-being of your guests, especially if alcohol is being served.

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#Cyber-Aware- If you had a 70% chance of a car accident, you would purchase auto insurance. If you own a small business, you have a 70% chance of a Cyber-Breach

Saturday was the conclusion of Cyber Awareness Month. To give you a bit of background, President Obama designated October as National Cyber Security Awareness Month, “to engage and educate public and private sector partners through events and initiatives with the goal of raising awareness about cyber-security and increasing the resiliency of the nation in the event of a cyber incident.” The Department of Homeland Security, whose purpose is to secure the nation from threats, is the designated "lead agency" concerning all civilian computer systems and infrastructure. The department's focus is defensive, (providing and dispersing information to prevent data from becoming compromised) and responsive, (distributing threat warnings, reacting to data breaches). The DHS's mission is simply to make you aware of the threat, work to minimize it, and handle the repercussions when a data breach occurs.  And although the DHS and other government and private sector interests are doing a wonderful job o ...

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Halloween ... I don't want you to have any regrets (other than eating too much chocolate).

The town that I live in, Warwick, NY is a truly festive place during autumn. Throngs of tourists visit to run through corn mazes and pick apples, Warwick hosts one of the largest street fairs in the country with "Applefest" and Halloween is considered one of the highlights of harvest season with a parade through the village and cider and donuts for all in the Railroad Green Park. But with every frightful haunted house visit and every kid in a costume, running across a front lawn seeking candy, there are always issues of safety and liability. (And no, I am not attempting to spoil your fun ... I love Halloween. It's just that "life happens" and I thought this might be a good time to for a quick reminder on keeping everybody safe, before the kids are let loose to terrorize and seek treats). NINE IMPORTANT SAFETY TIPS TO KEEP YOUR HALLOWEEN FROM TURNING INTO A HORROR SHOW: HAUNTED MANSIONS AND SLAUGHTERHOUSES: I will never forget three decades ago, when a group of thrill-seekers perished in a Haunted House at ...

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Before You Let A Contractor Hammer A Single Nail ....

When the weather turns warmer and summer arrives, homeowners naturally begin thinking of home improvements … an extra bedroom, a two-car garage, and a sunroom. But a big dream can become an exhausting nightmare if you do not do your homework first.  Before you allow anyone onto your property or hire someone to hammer a nail, the smartest advice an insurance agent can tell you is, take the time to do some preliminary investigating. A good friend began a major renovation on a historic home. He hired a contractor based on a referral and began discussing the scope of the project.  One element that was included in the restoration was the replacement of the homes multitude of custom windows. Eighteen semi-custom Kolbe windows were ordered for the home at a price of almost $30,000. At the end of the contractor’s workday, the supplier arrived  to deliver the windows. One of the workers on the job site, instructed the deliveryman to stack the windows on the side of the house until the n ...

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Going for a Bumpy Ride? Three things to consider before you slip into the Uber or Lyft Passenger Seat.

Seems like the ideal situation. You need a ride. Maybe you are in Manhattan but it is a Saturday Night and hailing a cab is impossible. Or you are in your small town but the local bus line does not travel to where you need to go. So you download the Uber Application to your smart phone, request a ride and await your driver. An amazingly convenient way to get from Point A to Point B. But before you hop in and take off with your Uber driver, we would like to make you aware of some of the fine print that is contained in the Service Agreement. Important information that is essential to your well-being: 1.     UBER AND LYFTS TERMS OF SERVICE: The agreement states that customers "may be exposed to situations involving third party providers that are potentially unsafe, offensive, harmful to minors, or otherwise objectionable." 2.     ALSO CONTAINED IN THE AGREEMENT:  "Uber does not guarantee the suitability, safety or ability of third-party providers," (The Drivers) ...

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