A few years ago, the city of Niagara Falls held an annual Festival of Lights. Shops and streets were decorated, lighted, big animated displays. It was quite the tourist attraction. A large wooden painted candy cane fell on a visitor, resulting in a HUGE liability claim. An astute agent would advise Buffalo’s small business owners to buy a minimum premium OCP.
“Take out liability insurance of at least $1 million”? If the business owners have CGL coverage, that’s all they need. This is incidental to their businesses and there’s no exclusion on their policies. There’s no need for a separate policy.
Well, with all the fires…..oh, there weren’t any, well, with all the liability claims…..oh, none of them either. Well, better safe than sorry.
Answer….throw the bums out.
The Department of Human Service has been around inquiring about delivering your baby in the barn and keeping him in the donkey’s feeding trough.
Bah Humbug Buffalo
A few years ago, the city of Niagara Falls held an annual Festival of Lights. Shops and streets were decorated, lighted, big animated displays. It was quite the tourist attraction. A large wooden painted candy cane fell on a visitor, resulting in a HUGE liability claim. An astute agent would advise Buffalo’s small business owners to buy a minimum premium OCP.
“Take out liability insurance of at least $1 million”? If the business owners have CGL coverage, that’s all they need. This is incidental to their businesses and there’s no exclusion on their policies. There’s no need for a separate policy.