Ideas for Fall Programs at the Library

Regan Insurance Agency

Library programming specialists know that once the school year ends, it’s time to start planning for the next one. This lull before the storm of summer reading programs is a great time to take stock of what worked and didn’t work last year. Here are some fresh ideas for back to school library programs to keeps kids coming after summer is over.

  1. Battle of the Books

Which book would win? On a large wall, create a display similar to a tournament bracket. Pair up familiar titles against each other, and have young patrons vote for one face-off per week.

  1. After School Homework Help

If your library has a literacy program, why not enlist volunteers to help children with their homework? This is a wonderful way to give back to the community, especially if your library is located in an area with disadvantaged children.

  1. Gaming Club

Hosting a gaming club once per week is an easy way to draw in young people. Simply provide them a designated room with a table, chairs, and a variety of cards and board games.

These ideas are just the tip of the iceberg when it comes to potential programs. There are many online resources to peruse for inspiration; for example, Regan Insurance Agency has some other great suggestions.

Legal Protection for Your Industrial Laundry Business

Irving Weber Associates

Laundromats and other essential businesses that provide laundry services to individuals and companies alike have unique needs. While the industrial laundry industry has come a long way from its roots and diversified a lot, one thing has held true. Coin-operated self-serve businesses continue to be a popular choice for most patrons who don’t have laundry facilities in their homes or apartments. The novel business model provides for access to the facilities at almost any time, and many companies provide late night and early morning hours to accommodate off-shift workers. Others are open 24 hours a day.

Insurance for Laundry Businesses

Finding the right insurance for your industrial laundry is a matter of finding the industry professionals who understand your company, as well as how it differs from those who occupy other niches in the laundry industry. Professionals at firms like Irving Weber Associates, Inc. provide a variety of resources showing they understand the industry as it is, as well as its history. With dedicated programs like coin-op advantage insurance designed around self-serve laundry businesses, their expertise goes to work every day to make sure customers have everything they need to manage the risks inherent in doing business. When your insurance covers everything you need it to, it’s a lot easier to focus on your core business, and that makes it easier to succeed.

Start Your Tow Truck Business Today with These Items

Truck Business

Starting a tow truck company is a great option for budding entrepreneurs. There are a few things tow truck drivers must have to operate the business. Understanding things like towing insurance requirements can get your business started on the right foot.


Truck drivers in most states need a commercial driver’s license to operate a tow truck. Each state has its own requirements for obtaining a CDL. Check with the local municipal government to see what you need and how to apply for the license. You may need to do this step prior to buying a truck.


All small businesses benefit from a business plan. This plan can start off as a few pages and grow through the years. Include the name of the business, financing options, licensing requirements, growth projections, and marketing strategy in the business plan. As the business grows, there may be additional items to include to meet the next five-year plan.


As seen on https://www.byrnesagency.com/, tow trucks need more than a standard auto insurance policy to operate. Businesses generally need more insurance coverage than regular drivers such as on-hook towing insurance.

Meeting towing insurance requirements helps you be ready to buy that first tow truck and start working. As your business grows, you may need additional requirements, especially when you hire your first employees.

What Risks Does Supermarket Insurance Cover?

Irving Weber Associates, Inc.

Insurance policies are helpful to large-scale businesses, such as supermarkets. The policies allow the supermarket owners to operate smoothly, knowing that their risks are covered. Here are the main risks that insurance programs for supermarkets cover.

Food Spoilage

Many supermarkets handle fresh food products, which spoil quickly after staying in the stores for an extended period. Supermarket insurance offers protection against the losses which happen as a result of some types of spoilage. The loss, however, should only occur as a result of weather-related changes or natural calamities.

Equipment Damage

A single equipment breakdown can lead to substantial losses in business returns. The breakdown can also injure employees and other parties. Supermarket insurance coverage helps the business owner to repair or purchase other tools within the shortest time possible.


Theft is a common risk in many retail stores. It can happen anytime, especially when a supermarket lacks high-tech equipment for monitoring and protecting the retail store. Luckily, Irving Weber Associates, Inc. confirms that supermarket insurance coverage helps the retail owner to recover losses that arise as a result of theft.

There are many insurance programs for supermarkets, but the above types of coverage are usually included in a policy. Their primary purpose is to help the business to cover the losses caused by food spoilage, theft, or equipment breakdown.

Managing Excavation Risks To Reduce Cave-In Fatalities

Excavation Risks

Cave-ins are the leading cause of fatalities during excavation projects, accounting for three out of four worksite deaths each year. You can take several steps to manage your risk from accidents and injuries related to cave-ins.

Follow Safety Procedures

OSHA has established the following guidelines to improve excavation safety (source: www.sboneinsurance.com/) for trenches deeper than five feet:

  • Ensure that sloping, shoring, shielding, and protective systems are in place.
  • Designate a competent person to supervise the excavation site.
  • Never work in a trench that has water entering it.
  • Avoid raised loads over trenches when workers are inside.
  • Provide a proper and safe means of access and egress.
  • Always know the location and depth of underground utilities.
  • Clearly mark the perimeter of excavation sites.

Maintain Necessary Coverage

Most excavation cave-in fatalities and accidents can be avoided if you follow proper OSHA designated safety procedures. But they can still happen.

The proper insurance coverage can help you be prepared in case of a cave-in on your job site. Workers’ compensation and general liability plans should always be in place if your company is providing construction services.

Manage Risks To Limit Your Liability

By developing a solid risk management plan and obtaining the appropriate coverage, you can limit your liability in the event of an excavation accident or cave-in.

What Qualifies for Specialized Insurance Coverage?

Program Business

Some items are easier to replace than others. That’s where specialty insurance comes in. As explained by Program Business, specialized insurance coverage is supplemental to general insurance, and it’s used for the protection of unique items possessed by an individual or business.

Examples of Items Covered by Specialty Insurance

Investing in specialized insurance coverage provides multiple benefits in case of unpredictable circumstances. Some of the items that qualify for specialized insurance coverage include the following:

  • Classic cars: It takes time and effort to restore classic vehicles, so it’s important for those vehicles to have adequate protection.
  • RVs, motorcycles, and ATVs: Protection on the road is a must for avid travelers and weekend warriors alike.
  • Rental or high-value homes: Renting property to strangers comes with a high level of risk. Added protection can help cover any damages wrought by unexpected accidents.
  • Specific elements of a business that may not be covered under a general insurance plan: These components may include items such as neon signs or electronic equipment.

One-of-a-kind items often have special meaning to their owners. After unforeseen damage or the devastation of a natural disaster, finding out these items are not protected may only make the pain more difficult. Investing in specialized insurance coverage is a great way to protect yourself against the loss of these family heirlooms, collector’s items, or vital pieces of your business.

Insurance for City Governments and Other Municipalities


The right insurance coverage is vital to just about any entity that engages in business today, and city governments are no exception. Whether you’re talking about coverage for liability related to infrastructure construction and maintenance, protection for city workers, or coverage for errors and omissions that protects you from mistakes made by public officials, you just can’t count on having the financial reach to take care of liabilities if you don’t have a robust risk management plan with good public entities insurance. You’ll find more information about the coverage governments need from the helpful resource put out by Daniels on just that topic.

Multi-Purpose Coverage Tailored To Your Location

It’s not just a matter of liability and coverage for your officials’ decisions that municipal policies cover. You’ll also find the right policy can fold in practically any insurance your government needs to keep itself and its citizens protected. That means insurance against criminal activities that damage city property, cyber liability, and even specialized insurance designed for the liabilities entailed in law enforcement activities, in addition to general employment liability coverage that you need to take care of workers in more general roles throughout your municipality’s many offices. You’ll need to work with a professional to get a relevant quote, but the right quote will fit your municipal government like a glove.

The Importance of Insurance for Boat Builders

Insuring Boat

Boatbuilders blend science with the magic of art. For thousands of years, these craftspeople have designed and constructed vessels to sail over the globe’s waters, opening up the world. Today these specialist builders carry on the tradition, but they need to protect themselves from liability if anything goes wrong. The experts at Merrimac say boat builders risk insurance is vital for all those who construct marine craft.

Complicated Hazards

Modern boat builders face increasingly complex challenges.

  • The burden to adopt an environmentally friendly methodology
  • Tighter earnings expectations
  • Stronger competition from foreign markets

Quality liability insurance is vital to reduce the pressure on modern boat builders. It lets them focus on what they do best and gives investors and shipyard owners peace of mind.

Comprehensive Coverage

Good boat builders risk insurance provides coverage for every stage of construction and operation as well as for multiple types of craft, from yachts to commercial vessels. Experienced insurance companies may offer boat liability coverage that includes property protection for situations such as crime, natural disasters, piers and docks, and equipment and tools. Some insurance specialists may even offer liability products for boat builders that cover pollution liability and commercial vehicles as well as marine employee protection.

You may not need every specialist boat builder insurance product available, but with so much at stake, it is wise to work with an experienced, respected marine insurance company to safeguard your boat building operations. The right insurance will help you stay afloat now and in the future.

Stay Protected While Installing Septic Tanks

Sewer & Septic Tank Installers

When your primary job is dealing with the installation of sewer systems and septic tanks, you’re probably used to the mess that comes with your line of work. Of course, you also want to take time to make sure a murky situation doesn’t become a total disaster for the future of your business. Many issues can arise during installation and you will definitely want to make sure you have comprehensive septic tank insurance coverage. The right policy can make all the difference.

Common Issues With Installation

Research shared on www.watercolormanagement.com has stated that insurance for professional septic tank installers should include several key options. For one, you’ll want the standard professional and general liability options that come with contractor insurance policies. Additional policy options to focus on when selecting your coverage should include:

  • Workers’ compensation
  • Employee crime or property damage
  • Insurance for specific machinery involved with the installation

Stay Protected

If you’re installing a tank and something goes wrong beyond your control, you do not want to be held accountable for the damages or financial costs of repairs. By taking out a comprehensive policy tailored to your industry, you will have an easier time handling the problem. Review the policy options available to you and discover a fit that will help you and your business stay secure at all times.

Effective Ways to Prevent Data Breaches

World Wide Specialty Programs

The top causes of data breaches include theft of physical items, human error, social engineering, privilege misuse, and malware. However, criminal hacking remains the most serious threat. These are some effective ways to combat criminal hacking.


The experts at World Wide Specialty Programs state data breach education can help companies use their resources to decrease their susceptibility to them. Understanding how a data breach can happen can help the company develop a successful risk management plan. Even the smallest of businesses can be hacked by a criminal using stolen credentials or through computer coding.+



Probably one of the easiest things to do is incorporate an antivirus software on all devices. On top of the software, firewalls and malware detection software can create a robust system of checks and balances. Many can be used on multiple devices with a subscription service and regular updates.


Secure all devices with a two-factor identification system to keep out unwanted guests on the network. Make sure to use difficult passwords that are unique per site, person and device. Simple passwords are easier for criminals to hack and tap into your business.

With criminal hacking being one of the top causes of data breaches, it is no wonder there is so much attention given to it. Take these simple steps to secure your network and reduce your risk of a breach.