Introduction
Some risks are obvious, others which could be just as serious, can lurk undetected in the background. A service representative from Hardiman Mount & Associates can inspect your premises, assess your operations, and recommend options for safeguarding employees, building and goods. Hardiman Mount & Associates and you have a vested interest in minimizing the frequency and severity of losses.

If your place of business is rented or leased, you may be responsible to your landlord in the event of a fire, explosion, vandalism, water leaks and other perils. And if you own your business premises, you will need insurance to protect the interests of your mortgage-holders as well as your own. Your Hardiman Mount & Associates service representative will provide you with a loss-exposure checklist that will help you to make sure you haven't forgotten anything.

Remember, risks change over time. Once you have established a sound insurance plan, identified your firms's loss exposures, and addressed each one, that's only the beginning. New risks will arise and old ones will subside; that's why insurance coverage should be reviewed at least once a year. This gives you a chance to fix past mistakes; assess new types of coverage; adjust your coverage and deductibles to suit new market and regulatory conditions; and adjust for changes in the type and volume of business.

Please contact your service representative if you need help or have any questions.

Office & Business
Find out more information on how to protect your office and business, focusing on issues such as general property protection, fire safety and theft protection.
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Restaurants
Learn how to protect your restaurant by managing issues such as liquor and premises liability, fire control, kitchen and food preparation issues.
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Retailers
Learn how to protect your restaurant by managing issues such as liquor and premises liability, fire control, kitchen and food preparation issues.
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Wholesalers
Gain valuable information how to protect your business from losses related to computer quipement, commodities and fire.
Link to Loss Control Summary
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Manufacturers
Learn how to manage insurance issues related to product liability, fire protection and industrial housekeeping.
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Directors and Liability Insurance
As a director, you'll find useful knowledge which can help protect you against liability issues related to conduct, conflict of interest, taxes and finacial reporting and indemnification.
Link to Loss Control Summary
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Contractors
Learn how to protect your business against issues related to equipment maintenance, storage and transportation, employees and loss control on the job site.
Link to Loss Control Summary
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E-commerce and Online Businesses
Learn how to protect your online or e-business against issues related to electronic equipment loss or maintenance, computer crime and fraud, and other off-line or ISP incidents which affect your website.
Link to Protection Recommendations