The COVID-19 pandemic has drastically changed the way we do business—likely forever. We’re now in an environment where services are rendered both in person and remotely. Products are being dropped at the doorstep with instructions given over the phone, and some services are being provided in a fully virtual environment. But one thing hasn’t changed—proper documentation is still one of the key ways to protect your business. Check out our #RiskyBusiness video for tips on...

VGM Insurance Services is pleased to partner with Great American Insurance Group Alternative Markets Division to provide a new national program for Golf and Country Clubs across the United States. The program will enhance the coverage options, specialized risk management services and expertise we offer to our golf industry clients. Read the full Press Release below: Great American Insurance Group Alternative Markets Division Introduces National Golf and Country Club Program CINCINNATI –September 14,...

As patients begin to return to your practice after pandemic closures, being proactive about preventing patient falls is more important than ever. Here are six reminders to help keep your patients safe and minimize your risk for claims. 1. Assess your patients for fall risk. Physical therapy patients are often at increased risk for falls due to existing injuries or following surgery, so your intake protocol likely already involves an evaluation of fall risk. However, if you stopped a course...

Introduction to the Case Few people consider the sheer time and cost that comes with maintaining a pristine and playable green. The truth is, though, it takes a special combination of materials and care to meet the needs of the club’s patrons and owners. Keep in mind, a well-designed green can cost $36,000 to reconstruct on average, and that doesn’t even account for having to close the course during reconstruction. A golf course is clearly a large investment, and it’s important...

Do your employees ever drive their own cars for work purposes? Your immediate answer may be “no,” but consider activities like: Picking up coffee for the team Running to the post office Making a bank deposit Taking a work call while driving home Meeting a client for lunch Even seemingly innocuous errands can become big liabilities if your employee is in an accident on the way. The same is the case if your employees ever rent vehicles for business trips. The solution...

Introduction to the Case When people think of country clubs, the first thing that often comes to mind is a golf course. But those of us in the club and hospitality world know it takes a host of people doing a variety of jobs to keep the club running smoothly and keep guests happy. With so many facets to the business, clubs are bound to rely on several services from third-party contractors—whether it’s the yoga instructor who teaches on Tuesday and Thursday or the team that comes...

Entering into a new contractual agreement with a payer, referral network, or other partner can be an exciting time for your business. Usually it represents growth and opportunity. But there are a lot of things to think about before signing any contract, including your risk. Check out our #RiskyBusiness video for more tips on signing contracts with referral sources:      You can make sure your business is properly insured and protected in your new relationship by carefully...

We all know as business owners that Workers’ Compensation is an essential coverage we need to carry. But, many of us may be unaware of how our premium is calculated and what factors are considered. After all, every business has its own unique combination of operating procedures and risk factors. This is where the Workers’ Compensation Experience Modification comes in. Check out our #RiskyBusiness video for more on Workers' Compensation Experience Modification   In...

Hurricane season is upon us, which means it’s time to start preparing—and this year, preparation may be more important than ever. Businesses worldwide are still reeling from the lasting impact of the coronavirus pandemic, and to make matters worse, experts have predicted an active hurricane season. Estimates say there’s potential for 19 named storms—as many as 10 of them could be hurricanes. As we all know in the golf and hospitality business, Mother Nature is unpredictable,...

Independent contractors can play an important role in your business. Whether you’re filling a temporary gap in staffing or require additional help for a project, sometimes it makes more business sense to hire a contractor or subcontractor than a part-time or full-time employee. While there are many benefits to hiring a contractor, there are also potential risks that it’s important to be aware of. Check out our #RiskyBusiness video for more on hiring independent contractors:     When...