Civil Disobedience Is Newer Civil

A Risk Management Update

There seems to be a growing number of protects and civil disobedience these days. For whatever the reason for the protests, it does create a risk for your business. Your business insurance is designed to protect your business from unknown claims or accidents. Our job is to be your business insurance resource and to provide you with the best combination of coverage, price, and service.  A commercial liability policy can protect your company from actions by yourself and employees if a third party is damaged or injured.

Are Riots A Covered Loss?

Generally speaking, damage to your building and other property due a riot is a covered peril. This would include fire, theft, and vandalism. If you were forced to close your business by civil authority but had no building damage you may be able to collect for lost revenue, depending on how your policy is written. Remember, each policy is unique, so call our office for a review.

What If The Fire Department Refuses To Put Out The Fire?

Insurance companies generally will not deny a claim because the fire department pulled back for safety reasons. If civil authorities limit or restrict access to a burning building, your insurance will not be jeopardized.

Final Thoughts

Business insurance is designed to protect your business from accidents and other unforeseen events. Many of the damaged businesses had insurance, and those that did not will most likely have to close their doors.

Don’t Buy A Used Motorcycle Helmet

A motorcycle helmet is one of those essentials that will help save your life should you have an accident while riding your bike. This will protect your head from a damaging and even potentially fatal head injury. Motorcycle helmets are so important that state lawmakers have even included a directive in the state laws that orders all people riding the motorcycle to wear helmets.

Some people though do not understand the importance of this accessory. In fact, some people do not even like wearing it because it is too heavy and too suffocating. Others find it a killjoy not to be able to feel the wind on their faces when riding a motorbike.

Motorcycle helmets are not really that expensive, but they are also not cheap. Some who are not that well-informed will probably save all their money for the motorcycle leaving a really small budget for safety gears like the helmet. Some even buy used helmets instead of new ones. This, however, is one practice that should not be encouraged.

Using used helmets is extremely dangerous and impractical. Used helmets are actually worthless, and what is more, you cannot really tell whether they are damaged or not. You won’t even be able to tell if they are relatively new ones or not. This is because the helmet is made from a hard outer shell that envelops a layer of expanded polystyrene. You will never be able to tell if the expanded polystyrene is already compressed or not unless you cut the outer shell. An already compressed polystyrene layer will not protect you from an accident.

Another thing that you should consider is the fact that polystyrene becomes brittle as it ages. This is the reason why old helmets should be exchanged for new ones in a couple of years as it may not be able to absorb much of the impact when an accident does happen. The polystyrene layer is also easily damaged by the sun and by chemicals such as gas vapors.

Motor bikers who always place their helmet near the gas tank will also unknowingly damage the lining of the helmet. It is also not a good idea to always let the helmet sit under the heat of the sun. If you can, try to park your motorbike in areas that are shaded. Pointed objects may also compromise the lifespan of the helmet by piercing through the polystyrene layer inside.