Calling all business owners in Lees Summit, MO — Do you have an updated commercial insurance policy? If you are unsure, the agents at Epic Insurance. recommend looking into it immediately to see what coverage you do have and where the gaps are.
Missouri Commercial Insurance
If you own a business in Missouri, commercial insurance is a must for financial security and the protection of any assets within the business. While commercial insurance isn’t required by law in Missouri, the protection it offers is more than enough reason to make the investment. Epic Insurance. offers expertise and assistance when it comes to selecting the right policy.
As a business owner, you know there are risks involved in running a business. If you can minimize those risks and protect your business, why wouldn’t you? Commercial insurance is often required by lenders and investors, so you may not have many options in the matter regardless.
Lastly, if you have a certain number of employees that work for your business, you will need worker’s compensation insurance (also depending on the type of business you have). This type of insurance protects a business in the event that an employee becomes injured on the job.
By now, you probably understand how important commercial insurance is for any business. While it may not be required in Lees Summit, MO the benefits and protection it offers are more than worth the price. If you aren’t sure where to start with this type of insurance for your business, contact Epic Insurance today. Selecting the right policy can be stressful and confusing, and our agents are more than capable of selecting the best policy for you.
Tis the season. The annual holidays are coming up, and between Thanksgiving, Chanukah, Christmas and New Year’s Eve, Americans will be consuming more alcohol. Studies show that in December, an average of 25 people a day will die in drunk driving incidents. Longer-term data suggest that traffic fatalities do tend to spike around Christmas, New Years and the July 4th holidays. The deadliest days for pedestrians are Halloween and New Year’s Day, while DUI incidents tend to spike during Spring Break.
The tragedy is that drunk driving incidents are preventable – with a little bit of planning, due diligence, and assertiveness on the part of responsible people.
Alcohol related incidents don’t just affect traffic accident victims. Party hosts have been held legally liable for drunk driving incidents that occur after intoxicated individuals leave their homes. Some states have “social host liability” laws that allow anyone injured by an intoxicated individual who got drunk or high at their party to sue the party host/homeowner. You are particularly at legal risk if the drinkers at your party are underage, or if you recklessly or negligently continue to serve alcohol to individuals who are clearly intoxicated.
For Party Hosts
• Remember that booze does not need to be the main attraction. There are lots of ways to set up the party. The wet bar or keg doesn’t have to be the first thing people see when they walk into your soiree.
• Make sure there are plenty of non-alcoholic drinks available.
• Use small cups.
• Feed people. Food takes the edge off intoxication. If nothing else, order pizzas.
• Avoid snacks that are too salty. Salt makes people drink more.
• Have a ‘key collection point.’ Toward the end of the party, station yourself by the keys. This will force all your guests to check in with you before they leave.
• Take the punchbowl or other alcohol away 1-2 hours before the party ends.
• Don’t serve alcohol to people who are already visibly drunk.
• Plan to have people sleep overnight.
• Consider renting a van for the night and providing a safe ride home for your guests yourself.
• Have a caterer run the bar, and allow people to buy their own drinks, rather than host it yourself. This provides a layer of liability insulation between you and any damage your inebriated guest may cause. You will also have a sober and professional bartender available to politely decline selling the drink and offer a soda instead.
• Also, consider a ‘dry party.’
• Agree ahead of time on who will be driving. That individual should abstain from drinking throughout the night, ideally.
• Contact the Sober Ride Program. The National Highway Traffic Safety Administration maintains a nationwide database of such programs. You can find a state-by-state listing here .
• Call a taxi. In many markets, 444-4444 gets you a taxi dispatcher. Or you can use a mobile-phone app such as MyTaxi, SaferRide, or Curb (formerly TaxiMagic).
• Consider a ride-sharing service. Availability varies, depending on the market, but popular options include Lyft, Uber, and Sidecar.
Content provided by Ezlynx