Insurance for Aquariums

Aquariums entertain kids and adults with a variety of programs and activities. If you own or operate an aquarium, purchase adequate insurance for aquariums as you protect your patrons and your business.

What Activities Does Insurance for Aquariums Cover?

Depending on your specific insurance for aquariums, your policy may cover numerous programs, activities and people.

  • Animal rides
  • Play areas
  • Field trips
  • Day camps
  • Special events
  • Fundraisers
  • Volunteers
  • Food and beverage concessions

Types of Insurance for Aquariums

Protect your aquarium with several different types of insurance.

General Liability

Written on an admitted basis in most states, general liability offers broad coverage. It typically covers bodily injury and property damage. Ask your insurance agent about coverage for other liabilities, too, such as:

  • Employee Benefits Liability
  • Liquor Liability
  • Transmissible Pathogens Coverage
  • Volunteer Accident Medical Coverage

Property Coverage

Equipment breakdowns could cost your aquarium thousands of dollars. Property insurance can pay to cover these repairs. It can also cover emergency vacating expenses and crisis response coverage for your business.

Workers’ Compensation Insurance

Employees could be injured or become ill while they perform their job. Carry Workers’ Compensation to cover medical treatment, loss of income and other related costs. Because the Workers’ Compensation requirements vary by state, discuss your specific needs with your insurance agent.

Employment Practices Liability Insurance

EPLI covers claims employees make against your aquarium. These claims could include discrimination, wrongful termination, breach of contract and other wrongful acts. Purchase EPLI coverage as a stand-alone policy or as part of your packaged Businessowners Policy.

Commercial Auto Insurance

A vehicle you own and use primarily for work-related activities must be covered with commercial auto insurance. This policy can also cover a trailer you use to haul animals to other locations for educational shows or displays.

Directors and Officers Liability Insurance

Your aquarium’s board of directors guides your business, but they can be sued if they make a decision that creates financial consequences for someone. D & O liability insurance covers legal fees on a claims-made basis.

Crime Insurance

When a crime, including theft, occurs at your aquarium, you must absorb the loss. File a claim against your crime insurance to cover the theft.

Cyber Liability Insurance

The collection of customer data, including credit card information, is common in any business. Data and cyber breaches put your aquarium at risk, though, so protect your business with cyber liability insurance.

Insurance for aquariums protects your business and ensures you can continue to entertain guests. Discuss your aquarium insurance needs with your agent today.

Fall Landscaping Tips For Your Commercial Property

Managing your commercial property includes caring for the landscaping. Proactive measures this fall protect your plants and ensure vitality next spring. Implement several tips as you maintain attractive landscaping and improve the safety of your property.

Mow the Lawn

During the fall, grass will continue to grow so mow all season. During the final cutting, mow the grass as short as possible to prevent winter matting and promote lawn health all season.

Rake Leaves

Remove dead leaves, grass clippings and other debris from the lawn, flower beds and hardscape. This debris can encourage harmful disease to grow, block drainage systems and damage the environment. It’s also an eyesore.

Fertilize the Soil

Add nutrients to the soil for landscaping health. The ideal fall fertilizer is rich in phosphorus and potassium, two nutrients that stimulate grass root growth in the future.

Water Plants

Summer drought can affect plants long into the fall and winter. Water plants if necessary to combat water deficits.

Prune and Wrap Plants

Create a neat and tidy appearance, reduce storm damage risk and invest in healthy landscaping into the future when you prune shrubs and trees. Then wrap plants with burlap to protect them during the cold winter months.

Spread Mulch

Protective mulch prevents weeds from growing and insulates soil from water loss and cold weather damage. It’s also attractive, so spread a healthy layer of mulch around all your plants.

Treat Pests

Insects, mites, voles, and other pests can wreak havoc on your landscaping in the fall and winter. Hire a professional exterminator to treat your property.

Plant Winter Greenery

A variety of flowers, shrubs and trees bloom during the winter and brighten your property. Consider planting greenery that adds texture, color and style to your property’s appearance.

Maintain Hardscape

Inspect your parking areas, sidewalks and other hardscape. Repair and seal the cracks and holes to prevent further damage, improve safety and protect your investment.

Drain the Sprinkler System

If you have a landscaping sprinkler system, drain it during the fall months. Remove the water to prevent frozen or burst pipes and expensive repairs.

Perform a Storm Damage Audit

Walk around your property and identify any areas that could be affected by storm damage. You may need to trim tree branches that hang over power lines, move dumpsters that interfere with snow removal or repair perimeter fencing. Remember to update your commercial property insurance coverage, too, before winter storms strike.

Schedule Snow and Ice Removal

Plan for winter weather now. Schedule snow and ice removal to reduce slip, fall and accident risks.

When you take care of your commercial property this fall, take proactive steps that enhance the landscaping. Keep it attractive and healthy all season.

Nine Reasons Why Employees Need A Vacation

At the end of the year, many companies encourage employees to take accrued vacation time. While you may be tempted to forfeit your earned days off, vacations are important for nine reasons.

    • Improve Productivity

      You might think that working longer hours make you more productive, but longer work hours actually decrease your productivity. Take a break and reboot. You’ll return to your job refreshed and ready to tackle your workload.

    • Enhance Decision-Making Skills

      When you’re overworked and tired, your brain gets fuzzy, and you may make poor decisions. Spend time relaxing as you enhance your decision-making skills at work.

    • Recover Creativity

      Your job may depend on your creativity, but your brain needs breaks to function at its creative capacity. While you recharge and focus on non-work activities, you may be surprised at all your new ideas.

    • Bolster Physical Health

      Overwork can affect your immune system, making you more vulnerable to illness. It can also contribute to obesity and heart disease. While your health insurance covers medical care, add regular vacations to your wellness routine. They can bolster your overall physical health.

    • Reduce Stress Levels

      Stress affects nearly every part of your physical, mental and emotional health. It also prevents you from doing your best work on the job. On a vacation, you can unwind, relax and leave work behind as you refresh your brain, body and emotions.

    • Support Mental Health

      Long hours at work can increase depression, anxiety and loneliness. Take a vacation and surround yourself with activities and people you love. Your vacation can decrease depression and support your mental health.

    • Boost Energy

      It’s easy to feel sluggish, unmotivated and disengaged when you spend every day in the same way. Planning and anticipating a vacation temporarily boosts your energy, and that energy and excitement stays with you after you return to the daily grind.

    • Expand Your Perspective

      Every day, you’re surrounded by the same people, activities and tasks. Step away and experience new things. Whether you visit an exotic location, sit on your deck with a book or explore your hometown, your vacation will expand your outlook and perspective on life and on the job.

    • Invest in Your Family

      You may work long hours in part to provide for your family, but work can actually interfere with your family life. On vacation, you reconnect with your loved ones. Spend time enjoying each other as you remember one of the reasons you work.

Instead of avoiding vacation, see it as a chance to improve your job performance and your quality of life in nine ways. You’ll be glad you took your well-deserved vacation time this year.

Different Types Of Professional Development And Why They’re Important

Professional development is probably mandatory for employees in your company because these opportunities benefit you and your employer. Understand the different types of professional development and why this requirement is important.

Continuing Education

Take a continuing education class, workshop or webinar to improve your skills. Your employer may offer these in-person or online opportunities during the workday, or you may complete them at your convenience at home. Ask about tuition reimbursement for qualified college courses or certification classes, too.

Mentoring

A powerful but often ignored professional development opportunity, mentoring allows you to learn from others who are further along in their career path. You can participate in non-directive and directive mentoring opportunities. Non-directive mentoring pairs you with someone from a different department or career, and directive mentoring pairs you with someone from the same department or career. Both types of mentoring introduce you to invaluable information that helps you become a better employee and person.

Presentations

Collaborate with team members or work alone to create a presentation for your department or company. You may wish to create a presentation about new research in your field, ways to streamline processes or other interesting and relevant topics. Not only will you learn more about your chosen presentation topic, but you’ll also gain experience talking in front of people and then leading a discussion about the information you shared.

Professional Organization Participation

Join a local, regional, national, or international professional organization. You can access print and online resources and attend meetings, workshops and conferences. With this professional development option, you boost your knowledge and meet new people who support your career advancement.

Publishing

Common for people in research jobs, publishing is also important in other career fields. You can work together with colleagues to write articles and other content for print or online resources. Share unique insights and relevant information as you enhance your knowledge and boost your resume.

Shadowing

Quick and easy, shadowing allows you to follow someone in a higher position for anywhere from a day to a month. You’ll learn more about the other person’s job, education and responsibilities. While this professional development option is not as immersive or comprehensive as mentoring, it helps you understand other positions and gain an appreciation for other employees in your company.

Volunteer

While volunteering is a good way to share your resources and give back, it also enriches you professionally. Use your existing skills and develop new ones as you hone your communication, problem-solving and collaboration abilities.

Professional development helps you advance your career and supports your company’s success. Consider these different types of professional development as you build your resume and abilities this year.

Can An Employer Request Employee Credit Reports?

You’ve written and posted the job ads and are ready to interview candidates, or it’s time for annual reviews, terminations and promotions. Can you request credit reports for potential or current employees? Learn more about the legal guidelines surrounding employee credit checks.

Why Do Companies Perform Credit Checks?

Many employers perform credit checks as a way to verify an employee’s integrity. A credit check can also reduce potential liability that could come from negligent hiring practices.

When Can Companies Perform Employee Credit Checks?

Companies can check a potential employee’s credit as part of the hiring practice. After an employee is hired, a company can also perform a credit check before they renew the employee’s contract, give promotions or reassign employees to another position.

Most employers must follow the federal Fair Credit Reporting Act (FCRA). It outlines how employers can obtain and use credit information and stipulates that you must inform employees and get written permission before you can obtain credit report information.

Do All Companies Perform Employee Credit Checks?

While many companies can perform employee credit checks, it’s not mandatory. In fact, certain companies only perform credit checks on key positions such as those who handle sensitive financial information. Also, certain states ban the use of credit checks to determine employment status.

What Information is Included on an Employee Credit Report?

Employers obtain employee credit reports from numerous consumer and employment credit checking agencies. The report can contain a variety of personal information, including:

  • Social Security number
  • Birth year
  • Marital status, including spouse’s name
  • Current and previous addresses and employers
  • Credit card, loan and child support obligations, including payment history
  • Liens, judgments and bankruptcies
  • Identity of anyone who checked the credit report recently

Most employee credit reports will not contain a credit score.

Can Employees be Fired Because of Their Credit Reports?

Currently, no federal laws and few states prohibit employment discrimination based on an employee’s credit report. You must follow FCRA if you fire someone based on their credit report. The law states that employers must:

  • Provide employees with a copy of the FCRA and their credit report before firing or eliminating the employee.
  • Provide terminated employees with the contact information of the credit reporting agency.
  • Keep all credit report information confidential and not store it in personnel files.

Employers must also follow the Federal Bankruptcy Act and other civil rights laws. You cannot fire someone based on a past bankruptcy or use credit report information as an excuse to fire someone based on their gender, race or age.

Before requesting an employee’s credit report, check state and anti-discrimination laws. These steps ensure you use credit information properly as you make staffing decisions for your company.