ARE YOU COVERED?
with your hotel, resort, or B&B to create
a tailored policy that considers every risk
unique to the world of hospitality needs
to be reconsidered and possibly replaced.
A claim of wrongful death or debilitating
illness from a guest can destroy a business.
The last thing a business owner in this
industry wants is to find out—for any
number of issues—they are not insured
because of the exclusions contained in
their Commercial General Liability or
Commercial Umbrella policy in an effort
to save on premiums. All too often, at
the risk of losing a bit of business or
making a client unhappy, companies will
avoid mentioning some of these policy
exclusions or pushing for additional
coverage. That is a huge issue on both sides
of the table.
Bottom line: the coverage has to be there.
Many carriers can sell you an insurance
Grand Rapids
Southfield
Macomb
Midland
Muskegon
Kalamazoo
Holland
Lansing
policy at a good price, but unfortunately, a
business may not know if the policy is any
good until there is a loss. As an insurance
professional, I see this all too often.
Sometimes, I don’t see it until after being
brought in to find coverage for a denied
claim.
When it comes to insurance for your
business, the price has to come second. If
the coverage is not there, the cost savings
from a discounted insurance policy
will not mean a thing if a business does
not survive. Fortunately, the Sterling
Insurance Group’s proven Risk Path
Process takes an audit-like approach to
insurance. We partner with our clients by
taking a deep dive into their businesses to
identify and then reduce and/or transfer
their risks, thereby protecting their
investment, reducing their costs, and
increasing their bottom line. Learn more
about our proprietary Risk Path Process
and begin reducing your company’s risk by
contacting me today. +
Kevin R. Sweet graduated from the University of Florida earning a BSBA with honors, majoring in
Insurance & Risk Management. He continued his education by achieving the Chartered Property
& Casualty Underwriter and Associate in Risk Management designations, and became a Licensed
Insurance Counselor within 5 years of graduation. He is currently pursuing the Risk Fellow
designation. Kevin is an experience and skilled Property & Casualty insurance professional, (often
described as an “Insurance Coverage Geek”), who effectively manages global risks for Commercial
Real Estate, Manufacturing and Non-profit clientele. Reach Kevin at [email protected]
or (248) 762-6806.
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do and could do for you, visit wnj.com.
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