Does Missouri’s Workers Compensation statutes require post-accident drug testing, and is that affected by the recent passing of Amendment 3? As the employer, you are always liable for the safety and well-being of your employees in their work environments, and…
On November 8th, 2022, Missouri became the 21st state in the US to legalize recreational cannabis. As Amendment 3 went into effect on December 8th, 2022, cannabis business owners must understand updated rules and regulations that may impact their various…
POWERS Insurance & Risk Management is proud to announce the addition of Rachel Winkelmann to the commercial lines division. Rachel joins the POWERS team after spending 5+ years on the insurance company side as a claims adjuster. As reported in…
Like many industries, COVID-19 will change how insurance policies are written. Communicable disease/viruses like the COVID-19 are typically excluded in most insurance policies, so we believe the SBA PPP loan forgiveness program is currently the best path forward to…
Regarding successful commercial cannabis company — property insurance is an integral piece of the puzzle. However, legal considerations surrounding insurance for cannabis companies are incredibly nuanced and cumbersome due to state and federal regulations. Furthermore, the many types of property…
Since July 2017, Powers Insurance and Risk Management has partnered with KPLR and KTVI to provide live weather cameras during newscasts and a broadcast and editing space for news crews. The partnership has brought St. Louis viewers live looks of…
When a cannabis operator thinks of insurance, typically the basic coverages are considered: property insurance on the facility and contents liability coverage for the premises and product workers’ comp for their employment force commercial auto for company-owned vehicle While general…
As a cannabis insurance risk manager, one of the questions I commonly hear from my clients is centered around how to manage their insurance program from a contractual alignment perspective. To put it simply, my clients want to make sure…
Our society is becoming increasingly litigious. The threat of a lawsuit hangs over every business transaction, large or small. Even employers who rigorously adhere to the letter of the law are likely to be sued at some point by an…
Jewelry Insurance should be a standalone policy, separate from your homeowners insurance. Having a separate policy, ensures that your homeowners insurance will not increase if you file a claim. More importantly, Jewelry insurance has superior coverage over a standard homeowners…