Columnists Bob Carroll

Bob Carroll

“Shopping” insurance: When should you do it? What should you look for? Is the price the only thing to consider?

Rhoda Lyte had an insurance policy for her retail jewelry store that excluded coverage for all property that was in showcases.

Her policy may have been intended as burglary (night time) coverage alone, but Rhoda wasn't aware of that, and she had not asked for just "burglary" coverage. If she had had an armed robbery, only merchandise that happened to be lying on top of tables or showcases would have been insured.

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The Best Policy On safes and vaults: What is a “relocking device?”

The old safe had a massive appearance which was in stark contrast to the man about to attack it. Wearing coveralls and eye-protection, there were few tools at his side -...
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The Best Policy Would your business survive?

The Best Policy Would your business survive?"Friendly fire." A friendly fire is the one in your fireplace, in your patio grill, or gently flaming from the end of the torch at your jeweler's bench. But friendly fi...
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Safes and Vaults: Some facts and myths

Let's begin by being sure that we are talking the same language - the words vault and safe are not interchangeable.

A safe is a box-like container designed to protect its ...

The Best Policy: Your alarm company just called. What should you do?

It was 7 p.m., the weather was rotten, and Amy Thist had just gotten home from a busy day at the store and settled in front of her fireplace when the phone rang.
!@#...
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The Best Policy: Carpe Gem! Grab and run theft...is there a way to prevent it?

The jeweler was showing expensive watches to a person he believed to be a qualified customer. There were no other customers in the store and the jeweler had control of hi...

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EPLI - the insurance you don’t need?

Employment Practices Liability Insurance

corporations get sued for their employment practices.

• Fact: More than 50% of EPL charges are filed against small businesses.

I do...

Setting Limits

Insuring a jewelry store: Determining the type of insurance to buy - and how much

The type of insurance

Jeweler Rhoda Lyte opened her new jewelry store and for insurance, c...

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