Risk Management Advisor Specializing in the Restaurant, Bar, and Cannabis Industries
Born and raised in Colorado, Scott grew up working for his father, an Insurance Agent of 25 years. He served our Country for 6 years as an Airborn Army Veteran. Shortly after the Army, Scott got his insurance license and began to build his own book of business where he found his specialty in Restaurant, Bar, and Cannabis Coverage.
With his vast knowledge of the insurance process, Scott understands the exposures a business owner must face and will identify opportunities to help secure their financial well-being.
Scott has plenty of hobbies to fill his off time, including keeping in touch with his three children, all of which went to college on swimming scholarships and are in the early stages of their professional careers. Scott is a die-hard Denver Broncos fan and season ticket holder. Scott is a 2nd degree Black Belt in Brazilian Jiu-Jitsu. He has practiced martial arts for 18 years. He also enjoys practicing many dance styles including Country Swing, Two-Step, Waltz, Polka, Salsa, Bachata, and the Merengue.
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How does legalized marijuana affect workers compensation?
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 this includes promoting and maintaining a drug-free workplace. But with the passing of Amendment 3 in Missouri, you may have found that questions now need to be answered: Amendment 3, which took effect on December 8, 2022, legalized the production, manufacturing, possession, and use of recreational marijuana, a change to an earlier version of the law that broadens earlier legislation…
How the New Recreational Cannabis Bill in Missouri Impacts Insurance for Business Owners
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 insurance policies, how they operate their business, and manage their employment staff. Below, we’ll discuss everything you need to know about Missouri’s new recreational cannabis laws, specifically medical marijuana patients, and how employment practices liability insurance (EPLI) is as crucial as ever for business owners. Amendment 3’s Fine Print for Cannabis Operators in Missouri The headline of Amendment 3 is…
Property Insurance for Cannabis Company
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 insurance within the scope of cannabis operations are extensive. Whether you’re a facility owner or a tenant, property insurance is vital for your cannabis-based business to thrive. Soon, you’ll learn how property insurance doubles as a risk management program and who to trust with in-depth property insurance for cannabis operators. Why You Need Property Insurance as a Cannabis Operator As…
Cannabis Employment Practice Liability (EPL) Insurance
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 & product liability policies cover bodily injury, property damage and personal injury, these policies will always either exclude or sub-limit civil and criminal suits pertaining to employment-related practices. Cannabis operators face the same HR and employment-related challenges as any other industry. In the era of Covid, the emerging and growing cannabis industry is on a hiring-spree whereas other established industries…
The Importance of Contract Alignment for Cannabis Operators
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 the vendors and other businesses they work with have the proper insurance in place … which will also reduce the risk of the cannabis operator getting pulled into a claim that should rightfully fall on another business. Before we get too far into the nuances of contractual alignment, I’d like to first explain a key difference between risk management and…
What is Employment Practice Liability Insurance?
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 aggrieved employee or customer. While many suits are groundless, defending against them is costly and time consuming. If you carry employment practices liability insurance (EPLI), your business has a measure of protection against lawsuits from current, prospective, or former employees who may allege “wrongful acts” such as discrimination, sexual harassment, or wrongful termination. But what happens if a customer sues…
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