Does Your Business Need Pollution Liability Insurance?

Pollution Liability Insurance

Many business owners may believe that pollution liability is covered under their commercial liability insurance; however, this is typically not the case. As such, a separate pollution liability insurance plan is necessary for businesses at risk of claims against them for damages covered under this type of policy.

What Types of Businesses Need Coverage?

There are a wide range of industries that would benefit from pollution liability insurance. Any business that works with hazardous materials and chemicals or produces hazardous waste should procure protection.

The risk of exposure, leaks, spills and accidents can result in significant financial loss if you do not have the right type of coverage. Examples of industries who are at risk include:

  • Oil and gas companies
  • Construction companies
  • Restaurants
  • Agricultural businesses
  • Landscaping businesses
  • Transportation companies

What Is Covered?

The best types of policies are those that cover both gradual and rapid pollution incidents. They should also provide protection for accidents that occur both on and offsite.

You can expect that a pollution liability plan covers your company for third party injuries and illnesses, as well as property damage, due to hazardous waste exposure. Cleanup costs are also covered. Most plans provide coverage for legal defense in lawsuits, settlements and investigations.

If your company works with hazardous materials or produces hazardous waste, make sure you are protected should a pollution event occur. Pollution liability insurance offers coverage for third party injuries, illnesses and property damage that result from pollution exposure incidents.

3 Tips for Removing Barnacles Without Damaging Your Boat

Removing Barnacles

If barnacles can adhere to a whale, they can also harden onto your boat, causing it to run less efficiently and smoothly. While it’s important to remove barnacles from off your boat, you can cause more damage in the process if you’re not careful. Here are three tips for successful barnacle removal that won’t harm you or your watercraft.

1. Use Protective gear

Using protective gloves to cover your hands is essential if you don’t want the hardened barnacles to scratch them up. It’s also a good idea to shield your eyes by wearing goggles or tight-fitting sunglasses to prevent barnacle pieces from irritating them.

2. Choose Proper Removal Tools

A putty knife or scraper is the ideal tool for removing unwanted sea crustaceans from off your boat. Plastic tools are also effective; however, it’s essential to round rough edges to avoid scraping the bottom of your ship any further.

3. Gently Clean Surface

Once you’ve successfully removed all of the significant barnacles, you can use a steel mesh glove or lime cleaner to eliminate any even finer remaining residue. You can also apply a protective base after cleaning to make removing any future crustaceans that much easier.

With a little practice and research, you can take care of problematic barnacles yourself. Following these tips will help protect your boat from damage and help you eliminate unwanted crustaceans, and keep your watercraft running smoothly.

The Basics on Bunker Convention Certificates

Bunker Convention Certificates

Oil spills at sea cause great harm to the environment, to animals, and to humans. Whether they are due to carelessness or are tragic accidents, reparation must be made. To address this issue, in 2001 the International Convention on Civil Liability for Bunker Oil Pollution Damage was adopted, and it was enforced legally seven years later.

Often shortened to the Bunker Convention or just Convention, this liability coverage makes sure prompt and adequate remuneration is made after damaging spills at sea. Experienced insurance specialists say a Bunker Convention Certificate is proof of liability coverage and is required for specific maritime positions.

Liability After Spills

People who hold certain positions are legally held responsible after a maritime spill.

  • Registered ship owners
  • Charterers and managers of bareboat
  • Operators of vessels weighing more than 1,000 gross tons

Ships carrying oil as a cargo must carry this maritime proof of liability.

Specialized Coverage

Insurance in the marine pollution industry requires specific coverage elements. Look for insurance companies with specialized knowledge of Bunker Convention policies to make sure you have the right type and level of this sort of liability coverage. Cleaning up oil spills is expensive, and the damages are extensive. The right insurance protects you and others of all species impacted by spills.

Basic Points To Consider When Selecting Marina Insurance

Marina Insurance

Owning a marina can put you in an industry where you can thrive. However, there are plenty of risks involved in this field. Your business operations involve vessels that operate on navigable waters. This means that you need to adhere to regulations and restrictions placed on your business by governing bodies in addition to the normal risks associated with owning a business. At the end of the day, taking out a sensible insurance policy is going to be your biggest advantage. Protecting yourself from the risks of your industry can save you many headaches down the line.

Know the Common Risks

As with most insurance policies, marina insurance 101 revolves around first covering your business in a broad sense. All businesses require some type of general liability insurance. This helps to protect the owner in the most common scenarios of his or her industry. Beyond this, it is important to assess the unique risks that your marina tends to experience. This is where things can get tricky. You don’t want to leave any gaps in your policy, which is why working with experts can help to guide you to the right decisions. Common options can include:

Weigh Out All Your Options

There are a number of different factors involved with selecting the right insurance for your marina. Take time to look over all of the options presented to you and discover the most sensible fit for your future.

What You Need To Know About Medicare Eligibility for Home Health Care Services

Home Health Care Services

If you or a loved one need non-medical home health care to continue living independently and enjoying a high quality of life, you may be wondering whether your care qualifies for Medicare coverage. Medicare Advantage plans can vary in their eligibility requirements, and your insurer may or may not provide supplemental benefits. Here are a few facts to keep in mind.

Certain Situations May Qualify

In 2019, the Centers for Medicare and Medicaid Services stated that insurers may choose to add non-skilled home care services to traditional Medicare benefits. These supplemental benefits may be covered in certain cases, including:

  • Avoiding potential trips to the emergency room;
  • Aiding with physical disabilities or impairments;
  • Reducing the toll of certain health conditions.

If any of the above scenarios apply to you, you may be able to qualify for supplemental Medicare Advantage benefits.

Non-Skilled Care Helps Daily Activities

As opposed to medical services, non-skilled care typically encompasses daily activities such as:

  • Helping you get dressed and bathe
  • Making sure you eat and take medication
  • Driving you to appointments

If you need medical in-home care, you may not qualify under this rule.

When you need home health care to keep up with daily tasks and enjoy life from the comfort of your own home, check with your insurer about your benefits. In some cases, you may be eligible for Medicare coverage to help make your healthcare more affordable.

Heavy Equipment Insurance for Construction Companies

Equipment Insurance

Construction companies that rely on equipment such as cranes, bulldozers, and front loaders face significant risks. Contractors should obtain heavy construction insurance to cover their financial assets in the event equipment breaks down or needs replacing.

Ideal coverage allows a contractor to replace damaged or stolen equipment. Most insurance policies for heavy equipment typically cover both operating risks and third-party liability.

Operating risk

Operating risk refers to damage to equipment while it is in operation. Standard coverages include things such as:

  • weather damage
  • fire damage
  • spontaneous combustion
  • theft

Third-Party liability

This kind of insurance protects a builder against liability claims by someone such as another contractor, a developer, or a project owner.

Equipment Breakdown Insurance

This type of policy covers malfunctions and breakdowns caused by natural disasters. Types of equipment typically covered include electrical, mechanical, computer, and communications. It also covers things such as air conditioners and boilers.

Additional Coverage Types

  • Business Interruption: This protects your company against loss of income caused by malfunctioning items.
  • Rental Reimbursement: This covers the expense of renting machinery until you repair or replace your equipment.

Contractors require specialized insurance to meet the unique needs of their industry. For the best coverage, obtain heavy construction insurance from an insurer with the experience to uncover potential exposures in your business.

Types of Insurance for Commercial Truckers

Commercial Truckers

There’s a lot of freedom working out on the open road, and that’s one of the most appealing aspects of being a trucker. This type of work can also come with some serious risks, and there’s no telling how much a simple mistake can cost. To mitigate some of those risks, there are several types of commercial truckers insurance.

Physical Damage

If equipment or truck parts are stolen or damaged, physical damage coverage should be enough to get a replacement. Cargo can be damaged by water, refrigeration mishaps and a variety of other unexpected conditions, so a broad-form policy may be a better option than a specified peril policy.


There are several types of liability coverage you may need. Some policies cover damage a driver causes to others but not the truck, and general liability can cover a driver during delivery or at truck stops and docks. It’s also a good idea to consider non-trucking liability coverage in case the truck causes damage but is not under dispatch.

Damage and liability insurance are two of many types of coverage that can protect commercial truckers, such as pollution coverage and trailer interchange coverage. For the best policy for your specific needs as a trucker, it’s best to visit your agent to find out more.

What Happens if I Can’t Pay My Homeowners Policy?

Homeowners Policy

When a family finds finances getting tight, they often have to make the tough decision to let some things that they enjoy go. If things continue to get worse, a homeowner may choose to let their homeowners insurance lapse, but this is one of the worse things they can do for two reasons.

1. Your Home Is no Longer Protected

When you miss a payment on your homeowners insurance premium, you may have a grace period anywhere between 10 days and 45 days to bring it back to current. If you don’t, your insurance will lapse and your home will no longer be covered if it should experience damage.

If your home were destroyed in a fire it would become a total loss, but you’d still be liable for the mortgage. You might also be personally liable for damages occurring to others.

2. Your Lender Has to Purchase Coverage

While it may sound like a good thing that your lender will purchase the coverage for your home, it’s actually not. If your home were to be destroyed in a fire while it was covered by your lender’s policy, any forced placed insurance claims made would only cover the financial interests of the lender. That means your personal property would not be covered and you could still be liable for damages experienced by others.

Homeowners insurance protects you financially. Homeowners should always make sure their home policy is current.

Understanding Your Leasing Insurance Requirements

Leasing Insurance

If you’re leasing commercial space for your business, you should expect a requirement that you carry insurance. Since these requirements are usually imposed by the leasing company or individual landlord, they are not necessarily consistent. In some jurisdictions, there may be minimum requirements, but for the most part, you are going to be dealing with the needs of an individual entity you’re contracting with for space to operate. As a result, you need to be able to parse your lease agreements for leasing insurance requirements to make sure you’re in compliance.

Protect Yourself With Robust Coverage

While leasing insurance is usually required when you sign a commercial lease, it’s also just a good idea even if no one is making you purchase it. Protecting yourself against issues that could lead to eviction and the loss of operational capacity is common sense, and bundling it together with a package that protects your equipment, employees, and visitors on-site can save you money over shopping for individual policies for every separate form of business insurance your company needs. Investigate your options before you sign that lease, so you can make sure you’re getting the coverage that is as cost-efficient as possible without sacrificing any essential areas of protection. To do that, you need to work with a company that understands leasing insurance, including the provisions most common in the industry.

Workplace Wellness in a Changing World

Workplace Wellness

The overall health of a company workforce is important for both employees and employers. Rising medical costs are a factor for both parties, as is the general wellbeing of each worker. Having a corporate wellness program is a way to provide structure, tools, and resources to engage employees to be proactive about their health.   

Wellness Incentives

Workplace wellness plans are becoming increasingly common. Not only are they beneficial for existing employees but they can also be attractive to potential new hires as well. Below are just a few of the benefits these programs provide for the wellbeing of both the employee and the company:

  • Reduced healthcare costs
  • Fewer days off due to personal illness
  • Increased morale and positive company culture
  • Increased productivity due to better physical and mental health

Planning for the Future

The effects of COVID-19 have yet to be fully understood but they undoubtedly will impact wellness plans as well. Companies that allow more flexible or work from home options will especially need to adapt to a changing climate. A greater reliance on telemedicine options will be key to maintaining an effective program.

There are numerous advantages to having a healthy workforce. Implementing a company wellness program – or updating an existing one – will ensure your business is maximizing these benefits.