Lessor’s Risk Liability

Lessor’s Risk Liability is an important part of a building owner’s insurance package if they lease space to others. Tenants need to carry commercial liability for their operations. However, their policy won’t protect the building owner for claims not involving the tenant. There are many types of incidents that could occur such as tripping and…

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Bouncing Around the Idea for an Additional Insured Policy?

An Additional Insured Clause can be an important part of your Commercial General Liability Insurance.  If you hire independent contractors / subcontractors to do work for you, your business should be added as an Additional Insured with Waiver of Subrogation to their Commercial General Liability.  A few examples are: Construction General Contractors hire independents for…

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Insurance for Beauty Salons

There are some unique things to consider when insuring Beauty Salon clients. Are they the salon owner or an independent contractor (booth renter)? Do they have employees? Are the employees part-time or full-time? What kinds of services do they provide?  Are they hair stylists, massage therapists, nail technicians, electrologists etc…? What kind of equipment does…

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Townhomes, Tract Homes, and Condo’s … Oh My!

The construction industry is in full swing and new townhomes, condos, and tract homes are going up everywhere!   Why then, do so many insurance companies either limit the number of townhomes, condo’s or tract homes your contractor can work on, or decline to write a General Liability policy for them outright?  The answer of course…

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Great Outdoors-Outfitters Ins

Summer is the Right Time to Get Out and Explore the Great Outdoors! Outfitters and guides are a business we see a lot of submissions for this time of year, especially fishing.  In addition to the most common fishing and hunting guides, we have insured hiking, kayaking, backpacking, photography, sightseeing and more!  We can also…

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Commercial Property Extra Expenses

Business Income with Extra Expense Coverage is an important part of Commercial Property Insurance, regardless if you are a building owner or tenant. Picture this scenario:  Your restaurant suffers a devastating kitchen fire.  Fortunately you carry adequate limits for the Building and Business Personal Property, so you can afford to replace those items. But wait,…

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Tree Trimmers and Removal

April Showers Bring May Flowers… and Tree Trimming and Removal Contractors! Tree Trimmers Property Damage is an often overlooked additional coverage.   The Commercial General Liability policy normally provides bodily injury and property damage coverage caused by the insured’s tree trimming operations.  For example, if the insured was cutting down a tree and caused damage to…

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Spraying Crops

It’s been a long, hard, cold winter but…Spring IS coming and soon it’ll be time to head back into the fields! If you have insureds contracting their services in the spraying of fertilizers, herbicides and insecticides onto crops using ground spraying/land-based equipment, Erickson-Larsen would like to help you provide them with the overspray/drift coverage they need!…

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Golf

If you are a golfer, please consider playing in our 7th Annual Drive Out Hunger Golf Scramble in Rogers on July 16th to benefit our hungry neighbors by supporting Second Harvest Heartland.  For only $95, you’ll enjoy 18 holes of golf, including a cart, continental breakfast, lunch, prizes, a beverage cart during the game and…

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Contractors – Protect Yourself and Your Customers

  An important part of signing on to do a construction project is making sure everyone working for you has proper GL coverage. Your employees are rated for payroll and covered by your insurance policy. But what about the subcontractors you hire – electricians, plumbers, excavators, etc.? They need to carry their own GL coverage.…

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