September 2024 Commercial Lines Newsletter

I hope the Summer is treating you well as we head into Fall.

I have some good news regarding the proposed ban on gas powered leaf blowers.  While I was at a Pasadena Business Association membership meeting on Sept 4th, the news broke that the bill to ban the gas powered leaf blowers was withdrawn by the council person who submitted it.

There was a lot of backlash from local small business, such as our landscaper clients, and the community, so they decided to not pursue it, for now.

This is an example on how getting involved with the legislative process can make a difference.

Now on to other business related topics:

Business Liability Insurance – How Much Is Enough?

Seasonal and Part Time Employees – Do You Need To Provide Workers Comp?

Marketing Corner – The Power Of Networking?

Huff Insurance Happenings!

Business Liability Insurance – How Much Is Enough?

When it comes to liability insurance, the amount of coverage you need depends on your business’s potential risks. Real-life incidents, such as a train derailment or a fire in a restaurant, demonstrate how damages can far exceed a typical $1 million policy. Businesses may face substantial costs for damages, cleanup, legal fees, and business interruptions. Increasing liability coverage or adding an umbrella insurance policy can better protect your business’s future.

For more details, check out the full article here.

Seasonal and Part Time Employees – Do You Need To Provide Workers Comp?

I have been seeing workers comp audits come back in recently that have had increases, so I did a little digging.

There is a recent trend for business owners to not include the payroll for their seasonal or part time employees in their estimated workers comp payrolls.  When I have asked why, they simply stated that they thought that they did not have to include them since they were only seasonal or part time..

This is not the case for workers comp insurance.  They must be included in the payroll figures.  There is an exception if you have paid a staffing firm to provide the workers, AND they provide workers comp for their temp employees.

For more information and to read my full blog please click here.

Marketing Corner – The Power of Networking

One of the many marketing strategies we use at Huff Insurance to grow our business is in person networking.  In person networking is crucial to developing deep long term relationships with communities and other businesses.  These relationships can, and will, help you grow your business.

We are involved in several of the surrounding chambers of commerce’s, the Pasadena Business Association and Jerry is involved with a group called the Maryland Business Builders.

The Maryland Business Builders (MBB) is a small group of local business people who meet on a weekly basis (Thursday Mornings at 8am for 1 hour) to discuss business and pass referrals to each other.  It is not a high pressure group like some of the others that you may have heard of.

The MBB is holding an open visitor’s day for their September 19th meeting.  To get the details of the visitors day or to let them know you are coming, you can visit their Facebook page here MBB Facebook Page

If you have any questions or want to talk about networking or marketing, please reach out to Jerry at Jerry@huffinsurance.com .

Huff Insurance Happenings:  

Join us in wishing Hayley a very happy September birthday.   Hayley has moved from our front desk to the commercial lines assistant role since her last birthday.

Hayley is also becoming a homeowner in September.  So join us in congratulating her on her home purchase as well as a happy birthday!

Please let me know if there is any way I can help you or your business.

I want to thank you for your support over the past 64 plus years.

Gratefully,

Nancy Nicklow
President