In this session, attendees will learn about different coverages and scenarios that insureds could, and will come across in their everyday line of work. There are also industry specific coverages that pertain to each branch of the hearth, patio, and bbq sectors of the association. These coverages are not mandatory. However, they can keep an insured from having uncovered claims. Always, disclosing all pertinent information of the operation is a must to help avoid negative audits. Familiarizing yourself with your policy endorsements to be sure you take full advantage of what an insurance carrier can and will offer to industry specific policies. Attendees will also learn key risk management techniques that will help them avoid costly claims (whether customer or employee related.) Being part of your states drug free workplace program could provide you with 5-10% credit on your work comp if applicable in your respective states.