Capstone Insights
Combined with the first phase, Tivoli will have a combined 370,000 square feet of restaurants and retail space, and 300,000 square feet of office space. Continue reading →
Garage Keeper’s liability coverage is an optional but recommended insurance coverage for business owners that store customer’s vehicles. It is specifically beneficial to have for a business that provides either towing service or parking service. Basically, a garage keeper’s liability policy will protect the customer’s vehicle while their automobile is stored for parking, during maintenance or for general storage needs. Continue reading →
Try as one might to vet tenants, the sharing economy involves risks. You should ask tenants why they will be renting, who will live in your home, whether they have pets and what they do for a living. Here are some of the lessons for homeowners based on our experiences as landlords and tenants. Continue reading →
The property/casualty industry is undergoing significant challenges with increased claim severity in liability and physical damage claims. These increases are outpacing inflation and rate adequacy. According to the Insurance Information Institute, in 2009 the average private passenger auto bodily injury claim was $13,891. In 2014, that average grew to $16,640 – an increase of almost 20 percent. The private passenger auto collision loss ratio has risen from 67.7 percent in 2010 to 78.3 percent in 2015 – a 16 percent increase. The loss ratio can be adversely impacted by claim handling, underwriting and rate inadequacy with claim leakage as a primary cause of loss ratio deterioration. Continue reading →
OSHA requires workplace injuries to be tracked using special forms. One of the forms is called the OSHA 300A Summary. This form represents the total number of injuries and illnesses reported for the year. Continue reading →
Creating a financial budget can seem daunting and scary for many Americans. The average American spends more then they earn and often on unnecessary items. With advances in technology, online shopping and the growing use of credit cards, most Americans don’t even know where to begin when it comes to introducing a budget. Continue reading →
There are unique careers and jobs here that mirror the cities constant need for change. So much has changed since I arrived to the “city of sin” in 1986 and I think Las Vegas will forever be “re-created.” I have seen more buildings and establishments change owners, be torn down and of course rehabbed. There is no where else in America with the insurance needs that Las Vegas has; it’s one of the reasons I love the insurance industry here. Tourism, Hospitality, Gambling and Night Life all create unique and constantly evolving insurance needs in Las Vegas. Continue reading →
Las Vegas is a place where visitors and residents have almost everything at their fingertips, all hours of the day and night. Over the years many things have changed, but the hospitality industry has always been a constant in Las Vegas. Looking back, hospitality also played a huge role in my career. I have had the pleasure of working with several entertainment companies and nightclubs to ensure proper insurance coverage was in place for these facilities. Continue reading →
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