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If you're in the field of construction, contracting, or even property management or development, then you may be wondering about builder's risk insurance and how it actually applies. Here, you can learn more about builder's risk policies, what they protect against, and how they're utilized. A builder's risk policy is actually property insurance, in essence. It's designed to protect and cover property during construction. This includes new construction, as well as major renovations to existing buildings and properties, both commercial and residential. As opposed to many other forms of insurance, with builder's risk, short-term policies are available due to the nature of construction and what's being covered. Therefore, three and six month policy periods are quite common here. Both the materials used and the equipment used will be covered by builder's risk. Additionally, it's important to note that materials and equipment will most typically be covered not only on the construction site, but also on off-site storage for the project, or in transit towards the site. While this isn't always the case, most typically, builder's risk will fall under an inland marine policy, due to that transportation and storage component addressed above. This is as opposed to commercial property insurance. However, this may vary from provider to provider, and place to place. Policies also differ in what qualifies as a covered risk. For instance, different types of forces of nature or natural weather, fire, theft, vandalism, and so forth, are all potential areas of risk. Depending on your locale, you may seek coverage for specific events and risks, such as hurricane season in Florida, or earthquakes, tornadoes or flooding elsewhere. It's important not to assume what is covered and not, but to go through a checklist with your provider to see what they are specifically offering. Generally, the lead builder, contractor or project manager buys the policy. In the case of renovations to an existing home, the homeowner though may want to personally and directly invest in the policy. This means that any damages would be paid to them directly, which is both more convenient, and helps guard against them not receiving their full benefits. Hopefully you've learned more about builder's risk insurance and what it really means. Remember, it's to protect actual property during construction, which could include materials, equipment, and more. You'll only need to get it for a short duration of time, so there's flexibility there. Be sure to work with an insurance provider or agent who understands your needs, and can help you get the ideal form of coverage. John Rothschild is the owner of ACI Insurance Services, a leading provider of Florida commercial insurance and surety bonds for more than 10 years. ACI is known for their customer service, their extensive experience and knowledge of the industry, and their affordable rates, and they'll do everything they can to meet the needs of their clients.

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Generic auto insurance and general liability policies are not adequate for many business types, and the vehicles they utilize, or services they provide. Very specialized forms of coverage are available, and it's crucial to find the right policy. This holds true for the very important roles of the emergency and non-emergency medical transport industries. What is non-emergency medical transport? These companies provide crucial transportation and assistance for elderly individuals, as well as those combating a range of disabilities, illnesses and physical or mental health conditions. As opposed to a taxi service, which would be woefully unable to help, or an ambulance, which only provides emergency transportation, non-emergency medical transportation serves that area in between. This is when careful assistance and unique capabilities are required, but there is no pressing emergency. Think about how this type of vehicle and business faces a unique set of circumstances and risks. They are providing cared transportation for individuals who may be in wheelchairs, have a range of medical conditions, and more. There is also a range of specialized equipment being utilized, and typically there is training involved to help operate it, and provide the core services to the individuals being transported. They may be hired on a one-off basis, or may provide recurring transportation and assistance to clients, and could operate as their own business, or as a contracted service via a nursing home or care center. Of course, emergency transportation services also require their own insurance coverage, too. This is increasingly becoming a privatized area in certain locales as the world of healthcare continues to shift. Another niche industry which provides a specialty service with unique vehicles and sets of risks is that of environmental hazard transportation, cleanup and removal. Once again, a commercial insurance policy for this type of business must be tailor-made to the very unique circumstances, specifications and risks being encountered. These are only a few examples of specialty vehicles and niche industries where very specific forms of commercial insurance come into play. Generic liability policies simply are not up to the task. They won't protect the business owner or the business in an appropriate manner, and that could come back to haunt them down the road. As always, it's important to work with a qualified and experienced individual who knows the ins and outs of these different industries, and the forms of insurance coverage designed for them. Find a policy which is tailor-made for your business, no matter how niche or different you think it may be.

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The key component to an effective asset protection strategy lies in timely and careful planning. There are varieties of possible strategies, but everyone's circumstances are different. What works for one person may not be an affective protection technique for others. The most common form of asset protection strategy is insurance: ensuring comprehensive coverage to an appropriate level is an easy and quick means of providing basic asset protection. Always be careful to read the policies and ask if you do not understand. Umbrella policies can also be a very effective tool. Insurance is a tool that acts as a safety net and if there need be a net; it means that something is falling. This is why insurance is only one part of a strategy for protecting assets. The situation is obviously more complex for people who own and operate businesses. Wherever possible, a business should be run through a structure that limits personal liability. For instance, the formation of a Limited Liability Company or LLC to conduct business provides greater protection for personal assets than operating through a partnership of individuals. An LLC can be a good start and makes much more sense than running your business affairs as a sole proprietorship. Transferring the assets into the name of a low-risk individual's name, usually that of a spouse is another asset protection strategy that can prove useful. Although this strategy has worked for many, this does not help much if both husband and wife in are named in the lawsuit. Another consideration, while your spouse may not be doing much to create liability, many risks come from unexpected places, a slip and fall on your property, a car accident which triggers punitive damages above and beyond your insurances will make the use of transferring assets to the low risk individual rather useless. One last consideration is the strength of your relationship with your spouse. Another asset protection strategy is to transfer assets into a discretionary trust. This trust is for the benefit of a family as a group but without any individual family member having a "fixed" interest. The assets are protected in the event of bankruptcy, unless they can be "clawed back." Using 401 Plan, IRA's, Veba's and various other plans related to your business interests are very effective methods of asset protection. By placing assets in these vehicles, they are usually protected from creditors. For the right client, life insurance and annuities can be good estate planning tools, but also a very good asset protection tools. Please look into this carefully, as some states do protect life insurance and annuities and some state do not. A concept known as equity harvesting or equity stripping your residence can be a good tool. This is done through borrowing against your homes increased value and creating a second mortgage. This reduces the size of the asset and the amount available to creditors. These are just a few of the available asset protection strategies. Once again, what is appropriate for one person will not necessarily suit another. Careful and timely planning is the key as there is no substitute for being prepared.

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Unless you own a restaurant or catering business, or regularly supply food to the public, you might think that you don't have any liability exposure when it comes to people with food allergies. I would have thought that was true, too, until I had an allergic reaction at a business open house I attended. I didn't realize that a flavor enhancer I'm allergic to was an ingredient in a seasoning used in the potato salad. This experience caused me to reevaluate my thinking on allergies and liability. Wondering if you have any exposure? Here are some questions to ask yourself: 1 Do I ever host chamber of commerce after-hours events? 2 Do I ever host appreciation dinners or parties for customers and vendors? 3 Do I ever provide a catered lunch or dinner for an office party or educational function, like a "Lunch and Learn"? I am willing to bet that most businesses stage an event of this type at some point. OK...I know what you're saying. The meal is being catered, so it falls on the shoulders of the caterer or restaurant, right? Yes...and no. If you hire someone to cater an event, you are responsible for liability, too. In addition, as a "prudent" business, you are just as accountable to make sure the public and your employees are informed of potential issues. And what about potlucks at work? It's a good idea to ask people if they have food allergies so the food preparers can take that into account. Now, I don't want you to overanalyze this. But I do want you to be proactive. Most people who suffer from allergic reactions already know what foods to stay away from. Here are some tips on easy things you can do to help them: 1. Most everyone knows about the big-name allergies out there, namely, nuts, shellfish, and MSG (monosodium glutamate). I have a friend who gets violently ill from flax, so add that to your list, too. Ask your caterer to identify any dishes with these ingredients. Even better, if these ingredients aren't used, you might advertise that, too. I have seen many restaurants do this and it is a value to those partaking in the cuisine. 2. Make sure your first aid kit has an injectable dose of epinephrine (such as the EpiPen®) and an allergy relief medicine that contains diphenhydramine (like Benadryl®). These remedies can provide immediate help for a person experiencing an allergic reaction. However, keep in mind that you can't be the one to administer these treatments, although you can have them available. 3. Make sure you have at least one staff member present who is certified in CPR and first aid. This is a best practice situation. One final note for you restaurateurs and caterers. My own allergy is to MSG, so I always ask if the food I'm about to order contains it. Twice in the last month, the person helping me didn't know - and upon checking found out it did. Train your staff to be aware of food allergies and the ingredients and foods you serve that might trigger them. It could be a matter of saving someone from serious illness. Not to mention limiting your own liability.