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...

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...

Introduction to the Case Country club managers rely on a variety of employees to ensure their business runs smoothly. From pro shop associates to kitchen staff, club management must delicately balance day-today operations with a staff ranging from full-time, experienced professionals to part-time, seasonal employees. In the story below—based on an actual claim—you’ll see through the eyes of a country club owner as they realize the importance of commercial crime insurance....

Introduction to the Case Home medical equipment (HME) providers fulfill an essential function in getting patients the equipment and supplies they need. Of course, getting the proper equipment to the patient is only part of the puzzle. Patients also need to understand the proper use of the equipment to promote the best outcomes and avoid injury. In the story below—based on an actual claim—you’ll see through the eyes of an HME provider as they try to ensure their patient understands...

Introduction to the Case As the technology for implanted medical devices (such as knee replacements) is continually enhanced, the sales representatives of device manufacturers have come to be seen as an asset to the implanting surgeon—even in the operating room. It makes sense. Often, these reps know more about the specific device than the surgeons themselves. Still, any time someone other than hospital staff attends a surgery—even if it’s to the patient’s benefit—determining...

Introduction to the Case Knee scooters always look like a fun way to travel the road to recovery following an injury. Yet, many may be surprised to know just how frequently claims arise regarding patients who were injured while using one. In the following story—based on an actual claim—you’ll see through the eyes of a provider who finds out firsthand, you never know when a claim might come your way. It’s important to note that while this story involves a knee scooter,...

With cyberattacks becoming increasingly common among businesses in the health care industry, it’s critical to take every conceivable precaution to protect your data. Yet, many businesses are still of the “it’ll never happen to me” mindset. Check out our #RiskyBusiness video for tips on how to protect and prepare your business from a ransomware attack.              In addition, read our real-life claims scenario, where you’ll...

In recent years, dry needling has increasingly been used in physical therapy settings to alleviate pain and increase range of motion for patients. During this procedure, thin needles are pushed through the skin into the muscle at specific trigger points to induce a twitch reflex. It’s generally a safe procedure. However, as with any procedure, there are potential complications.   Check out our #RiskyBusiness video below to learn more about Dry Needling in Physical Therapy:    In...

Given the hustle and bustle of today’s culture, many of us may find it difficult to keep up with all of the communications we receive, including those that are addressed through the mail. In certain instances, however, missing a piece of mail could be extremely costly to your business.   Check out our #RiskyBusiness video to learn more about cases like this!    In the scenario below – based on a true story – you’ll walk in the shoes of an owner...

At VGM Insurance, there’s no shortage of mystery involved in many of the claims we see. But, we use our experience deciphering these puzzles to provide you with the information and resources you need to better prepare and protect your business.   Check out our #RiskyBusiness video to learn more about Hot & Cold Treatments in Physical Therapy:      Join us in the scenario below – based on a true story – as you look through the eyes of a physical...