Category: Blog

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Common Risk Exposures for Retail Stores

Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. But is your business protected against the unexpected? Regardless of the specific type of...

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What is Professional Liability Insurance—and is it Worth it?

As a professional services business owner, you may be wondering if professional liability insurance is worthwhile. The truth is, no matter how careful you are—or how good you are at your job—mistakes happen. It's part of being human. Without insurance to cover those human errors, you may be...

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Personal Umbrella Insurance

Personal Umbrella Insurance is an insurance policy you purchase that provides additional liability coverage above the liability coverage that is listed on your auto, homeowners/renters/dwelling, and boat insurance policies. You may be asking yourself “Why would I need an Umbrella Insurance...

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Black and white jewelry with colored ring

Valuable Items Coverage – Everything You Need to Know

Valuable Items Coverage provides a specific amount of insurance for some of your most valuable items in your home. Most people associate this coverage with jewelry, but that is not the case. Valuable Items Coverage provides insurance coverage for Jewelry, Furs, Guns, Fine Art, Cameras, Musical...

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Pet insurance puppy in a blanket

How Important is Pet Insurance?

As a dog or cat owner, you likely think of your fur baby as a cherished family member. If you’re like most pet owners, you’d be willing to do just about anything to keep your four-legged companion healthy and safe—but there’s only so much you can control. Sure, you can feed them the best...

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Conducting an Annual Personal Insurance Review

Each year it is important to have a review of your personal insurance policies to make sure they are up to date and are covering some of your most precious assets properly. Follow our tips below for making sure all your personal policies fit your needs. Annual Insurance Review Tips As we all know...

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Industry Dive: Understanding Technology and its Risk

Do You Understand Your Technology Risk? How well do you understand your company’s technology risk? The fact is, while a company’s technology delivers endless benefits for employees and customers alike—particularly over the past year when a vast majority of the country’s workforce went...

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How Open Enrollment Works: Your Questions Answered

It's that time of year again—that short period when you need to make crucial decisions about your health insurance plan for the year ahead. Here are answers to your most pressing open enrollment questions to help you navigate the process and its various nuances with less stress. What does open...

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2020 Year in Philanthropy Review

At Hanson & Ryan, Inc., philanthropy plays a significant role in our values; we are always looking to give back to the community. As we bid the year a long-awaited farewell in hopeful anticipation of a healthy and happy year ahead, we’d like to take this opportunity to reflect on some of our...

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Shelves of liquor

Is Your Business Protected from Liquor Liability?

Did you know that in some states, bars and restaurants can be held liable for injuries or death caused by an intoxicated person to whom they served alcohol? It’s called the Dram Shop Law—and it allows the victim of an intoxicated person to sue not only the perpetrator of the wrongdoing but also...

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