Words of Wisdom

Thoughts and ideas from Partners Risk Services
Sharing ideas
Answering the questions we hear the most often

Working with home care agencies for the last ten years we have learned a few things and we continue to learn more every day. This is a place to share some of those with you.

All epli communicable disease exclusion
  • A relaxing afternoon spent driving through the forest heading towards a distant and obscure lunch spot. Instead of going thru highways, my friend likes to take backroads and discover new routes. Always a grand time.
    Hired & Non-Owned Auto Liability
    March 14, 2024 at 4:00 AM

    Hired and non-owned auto liability insurance is a crucial aspect of risk management for home health care providers, especially considering the increased costs associated with potential accidents or incidents involving vehicles used for business purposes.

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  • Employment Practices Liability
    Employment Practices Liability
    March 30, 2022 at 4:00 AM

    EPLI covers companies against claims or lawsuits filed by employees, former employees and employment candidates regarding their employment relationship with an employer.

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  • Under construction
    Communicable Disease Exclusion
    January 1, 2021 at 5:00 AM

    During the COVID-19 pandemic many insurance carriers are including a Comuunicable Disease Exclusion on all new and renewal policies.

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  • Gaining a deep understanding the problems that customers face is how you build products that provide value and grow. It all starts with a conversation. You have to let go of your assumptions so you can listen with an open mind and understand what’s actually important to them. That way you can build something that makes their life better. Something they actually want to buy.
    What insurance do you need?
    September 21, 2020 at 4:00 AM

    Contractual obligations and local requirements may vary, but there are standard coverages that you should have.

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  • Man holding glass globe in hands. Concept for CHINA global warming, climate change, environmental protection.
    Why do you need insurance?
    September 8, 2020 at 3:33 PM

    Businesses need insurance because it helps cover the costs associated with property damage and liability claims. Without business insurance, business owners may have to pay out-of-pocket for costly damages and legal claims against their company. Depending on the incident, this could be a financially devastating scenario for business owners. In some states, businesses are required to have specific types of business insurance.

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