Senate Bill 373 was introduced in March and would require any applicant or holder of a retail license for the sale of alcoholic beverages to file a certificate of insurance evidencing liability insurance coverage with certain minimum amounts. Later that month the Senate Judiciary Committee recommended passage of the bill and it was placed on the Senate calendar for reading and passage. The bill passed and went to House Corporations for consideration. The Corporations Committee recommended passage in concurrence. In late June the Corporations Committee recommended passage of the Sub A (amended version of the original bill) and it was placed on the House calendar where it passed. The Sub A version went to the Senate the following day and it passed in concurrence. The bill was finally submitted to the Governor for action and when the Governor took no action (sign or veto), the bill became effective. The bill creates a new section in Title 3, Section 7-39 – Liquor liability insurance. The new section establishes that any applicant or holder of a retail license for the sale of alcoholic beverages, with the exception of Class F1 licenses and licensees in Burrillville and North Providence, are required to supply a certificate of insurance for general liability, liquor liability and property damage in the minimum amount of $300,000. Failure to comply with the new law will mean revocation of the license. The new law goes into effect on August 1, 2017
Contact us today at (401) 726-3330 to see if you are required to have this insurance.
Water damage is one of the most common and costly disasters affecting U.S. residences, accounting for billions of dollars in losses to homeowners and renters annually. However, consumers can protect themselves with the right amount and type of insurance coverage.
Standard homeowners and renters insurance provides coverage for burst pipes, wind driven rain and damage resulting from ice dams on your roof. Some policies cover sewer and drain backups, but many do not; however, you can purchase a sewer backup rider to a homeowners or renters policy for approximately an additional $50 each year, with the policy limits varying depending upon the insurer.
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Over the past few weeks the staff at G.W.B. Insurance has gotten into the holiday spirit. Also our staff has shown their charitable side by sponsoring a family through the Children’s Friend Foundation. On behalf of all the staff members we wish all our customers and the community a Happy and Healthy Holiday Season!
Last winter was quite the season! Don’t let it get the best of you this year by preparing early! By now you’re probably well aware of ice dams and all the trouble they can cause. But just in case you aren’t, we wanted to make sure we spread the word on early winter preparation around ice dam prevention.
Follow the link below from our friends at Mapfre Insurance and don’t be left out in the cold!
Over the past few weeks the staff at G.W.B. Insurance has gotten into the holiday spirit. Also our staff has shown their charitable side by collecting toys and gifts for those families in need for the annual Toys for Tots program. We also were proud to sponsor a family through the Children’s Friend Foundation. On behalf of all the staff members we wish all our customers and the community a Happy and Healthy Holiday Season!
No matter how much experience you have, it’s always a good idea for everyone to review boating safety rules before departures. Below you will find 10 basic boating safety tips to help you stay safe:
- Be Weather-Wise-Always check local weather conditions before departure; TV and radio forecasts can be a good source of information. If you notice darkening clouds, volatile and rough changing winds or sudden drops in temperature, play it safe by getting off the water.
- Follow a Pre-Departure ChecklistProper boating safety includes being prepared for any possibility on the water. Following a pre-departure checklist is the best way to make sure no boating safety rules or precautions have been overlooked or forgotten.
- Use Common SenseOne of the most important parts of boating safety is to use your common sense. This means operating at a safe speed at all times (especially in crowded areas), staying alert at all times and steering clear of large vessels and watercraft that can be restricted in their ability to stop or turn. Also, be respectful of buoys and other navigational aids, all of which have been placed there to ensure your own safety.
- Designate an Assistant SkipperMake sure more than one person on board is familiar with all aspects of your boat’s handling, operations, and general boating safety. If the primary navigator is injured or incapacitated in any way, it’s important to make sure someone else can follow the proper boating safety rules to get everyone else back to shore.
5.Develop a Float Plan
- Whether you choose to inform a family member or staff at your local marina, always be sure to let someone else know your float plan. This should include where you’re going and how long you’re going to be gone.
- A float plan can include the following information:
- name, address, and phone number of trip leader
- name and phone number of all passengers
- boat type and registration information
- trip itinerary
- types of communication and signal equipment onboard
- 6. Make Proper Use of LifejacketsDid you know that the majority of drowning victims are the result of boaters not wearing their lifejackets? Make sure that your family and friends aren’t part of this statistic by assigning and fitting each member of your onboard team with a life jacket prior to departure. Wear it!
7. Avoid Alcohol
Practice boating safety at all times by saving the alcohol for later. The probability of being involved in a boating accident doubles when alcohol is involved and studies have shown that the effects of alcohol are exacerbated by sun and wind.
8. Learn to Swim
If you’re going to be in and around the water, proper boating safety includes knowing how to swim. Local organizations, such as the American Red Cross and others, offer training for all ages and abilities. Check to see what classes are offered in your area.
9. Take a Boating Course
Beginning boaters and experienced experts alike need to be familiar with the boating safety rules of operation. Boater education requirements vary by state; however, some require validated completion of at least one boating safety course. Regardless of your individual state’s requirements, it’s always important to be educated and prepared for every circumstance that might arise. You can learn boating safety rules by taking a local community course or online course to help educate yourself.
- 10. Consider a Free Vessel Safety CheckTake advantage of a free vessel safety check from the US Coast Guard. They offer complimentary boat examinations to verify the presence and condition of certain safety equipment required by state and federal regulations. Free of charge, they’ll provide a specialist to check out your boat and make helpful boating safety tips and recommendations. They also offer virtual online safety checks as well.