The Commercial Line

Keeping Your Lawn Care Business Out of the Weeds

With spring in full bloom, the sounds of the season can be heard with regular frequency; lawn mowers, lawn equipment and a gentleman with a Scottish brogue saying “Feed your lawn, feed it.” Many of us maintain our own lawns or hire a landscaper or lawn service to handle the weekly tasks. But, have you ever considered becoming a small business owner and forming your own lawn service?

3-D Printing: Potential Insurance and Legal Implications

On Earth, an engineer transmits the schematics for a wrench needed by the astronauts, floating weightless 249 miles above. Instantly, the machine whirs to life. At the speed of light, the intangible computer program reaches low-earth orbit and emerges from the wondrous machine as fully-formed tool. This is not science fiction.

Combustible Dust Poses a Serious Threat

Combustible dust is comprised of fine particles that can stay suspended in air and under the right conditions will cause an explosion. Combustible dusts can be found in many manufacturing situations and can occur from a variety of different particles, including aluminum, wood, pharmaceuticals and grain.

Standby generator installation and maintenance

Having a generator available to provide standby power can be a great convenience during extended power outages. Improper installation or maintenance, however, can create hazards. The following are some tips that may help you avoid losses caused by your standby generator.

Ammonia Refrigeration Hazards & Controls

Because of the recent push to “go green” and conserve energy, many companies whom require refrigerated environments (e.g. food processors, cold storage facilities, etc.) are changing out their old Freon-based equipment for “mechanical refrigeration” systems that utilize ammonia (NH3). Ammonia systems have a significant cost advantage over Freon, however, the hazards are also significantly higher.

Builders’ Risk and Installation Floater: Which Coverage is Right for your Project?

The appropriate usage of Builders’ Risk and Installation Floater coverages can sometimes be difficult to determine. As a general overview, Builders’ Risk coverage is intended to cover either a single building or structure, or multiple buildings or structures, during construction, rehabilitation, or repair. Installation Floater coverage is suitable for most contractors engaged in low-to-moderate hazard installation activities, such as plumbing, electrical, heating, cooling and air conditioning, cabinetry, and alarm installations on new or existing buildings.

Protect Yourself and Your Land: Insurance Considerations Surrounding Fracking

Hydraulic fracturing, or fracking, has become a very controversial topic in today’s society. Fracking, for those unaware, is a technique for drilling deep under the Earth’s surface for natural gas. To drill for the gas, a well is drilled deep into the Earth’s surface, usually over 1-2 miles. Once deep enough to access the natural gas, the well turns 90 degrees and extends parallel with the surface. Chemically-treated water is then pumped into the well with a strong enough force to create cracks surrounding the well. The cracks release natural gas which is then pumped back up through the well with the fracking fluid.


During the past few decades, there has been increased use of “sandwich panels” in construction. They are cheap, lightweight, easy to erect, hygienic and able to provide an excellent thermal barrier. While they do not start fires, they have been implicated in rapid fire spread caused by a hazardous operation.