Golf Courses

My Insurance Question - Golf Courses

5 Types of Insurance Coverage all Golf Courses Need

The industry surrounding Golf Courses is a diverse industry. Some of the businesses serve very high end customers and professional tournaments. Other courses serve people with middle-class incomes in a rural setting. Some of the businesses do not have a full course and only offer a driving range putting green. Most of the businesses offer some form of lessons, food and beverage as well as retail offerings. Depending upon which type of golf course you own or operate, the type of insurance coverage you need may vary dramatically. Here are five coverages most golf courses need.

  • General Liability
  • Liquor Liability
  • Commercial Property
  • Hired and Non-Owned Auto
  • Workers Compensation

Golf Courses

General Liability Insurance

General Liability Insurance risks can be substantial due to both the number of visitors and the nature of the activity. Golf is a physical endeavor and not everyone who partakes in the activity is of the highest athletic ability, nor are many in the best physical condition. The safety of the customers is a major concern. Slips, trips, and falls are always are a concern; as are flying golf balls. Golf carts can overturn and that may cause additional risks. If you have employees that are interacting with children, it is important to conduct proper background checks on those employees.

Liquor Liability

Liquor Liability Insurance is commonly referred to as dramshop liability. Most golf courses sell and serve some types of alcohol and in most states this requires them to purchase some form of liquor liability insurance. There are many types of risks associated with alcohol use at a golf course. Those risks include selling to an intoxicated customer, contributing to the over-intoxication of a customer and serving alcohol to a minor. These and many other risks associated to alcohol consumption make liquor liability a necessary coverage for golf courses.

Commercial Property Insurance

Commercial Property Insurance Exposure might be minimal if limited to a clubhouse facility or a maintenance shed, but not all golf courses are this simple. Many golf courses offer retail, food and beverage, restaurant facilities and instruction.  Many golf courses are located in remote areas. These locations add additional risks due to fires and how quick first responders can get to injured employees or customers.

Hired and Non-Owned Auto

If your business owns the vehicles employees are operating as part of their work, a commercial auto policy is necessary. Hired and Non-Owned Auto Liability Exposure is generally limited to employees using their own vehicle for running errands or when an employee is travelling for work and using a rented vehicle. If your employees partake in any of these actions your business needs Hired and Non-Owned Auto Insurance.

Workers Compensation Insurance

Workers Compensation Insurance Risks can be high for golf courses. If the golf course has employees who do its own grounds maintenance and chemical applications, it can cause the amount of injuries to rise. Other employees face normal slips, falls, strains, sprains and being hit by errant golf balls or equipment.

Golf Courses Insurance Needs

Restaurant Insurance

3 tips to find the best Restaurant Insurance. 

How much insurance do I really need? What are the correct types of insurance for my restaurant? What types of restaurant insurance can I do without? What is the bare minimum I can get away with for restaurant insurance? These are all very common question that insurance agents get asked when a restaurant owner is looking to protect their business for the first time or a seasoned business owner is looking to renew their coverage. The answer to this question is like many things; ‘It depends’. There are many variables that go in to owning and operating a restaurant and those variables bring on many risks. Not every business owner is comfortable with the same amount of risk.  Depending upon how much risk you are willing to take, here are 3 tips to help you make sure you are purchasing the amount restaurant insurance.

Are you classified correctly?

First off, the small business owner needs to make sure their business is classified properly. This applies for both workers compensation and general liability insurance. Each state has their own governing body for these coverages.  The best way to determine if you are properly classified is to ask for help from an experienced independent insurance agent. When talking with your agent, it is crucially important to be honest with them.  This is important for the time you are open, how much and what types of alcohol you serve and what exactly your employees do.  Restaurants are classified different based upon the risks they face. Being properly classified can save your business immensely.

Pay as you go option

Workers comp coverage is required by state law in 48 out of 50 states. getting this coverage in place is an enormous cost.  Pay as you go workers’ compensation is s a great option for seasonal or cash strapped businesses. Pay as you go workers’ compensation allows a business to pay premium based upon the amount of payroll as opposed to an estimate of the monthly payroll. For many businesses they can get coverage in place for as little as a few hundred dollars.

Determine the proper type of Commercial Auto Insurance

Many business owners do not think they need any type of commercial auto insurance. Just because your business does not own vehicles, doe snot mean you do not need to secure some form of commercial auto insurance. If you do own vehicles that are going to be used for business purposes you most definitely need commercial auto insurance coverage. Also, if you have employees who use their own vehicles for business purposes than the business is liable for all accidents. Hired and Non-Owned Auto Coverage is a policy that kicks in when your employees use their own vehicle or a rented vehicle not owned by the company. Regardless of how small the activity may seem, when the employee is using any vehicle to do business activity you are liable.

 

 

Florist

I only own a small florist, how much insurance do I really need?

 

Here are 6 insurance coverages every floral business should have.  

How much and what types of insurance coverage a floral business needs really depends on the size, type and scope of your business.  If your business only sells flowers at one location than you may not need all of these coverages, but if your business designs flower arrangements or provides delivery service it opens up your business to an enormous amount of additional risk.  Here are 6 insurance coverage’s all floral businesses should strongly consider securing.

General Liability

General Liability Insurance will protect your business from property damage and bodily injury claims of third parties.  Third parties can be anyone not associated with your business that is harmed by the actions of your businesses operations.  Included in this group of people can be customers, vendors delivering products to your facility or even a plumber who comes to work on your toilet.

Professional Liability

If you are designing floral arrangements for special occasions like weddings, funerals, Valentines Day or Christmas you can be sued if the designs are not up to the expectations of the customer.  The lawsuits do not have to be founded to cost your business immensely in legal fees and reputation management.  This coverage will help your business withstand the costs to defend your self in court and for missed time at work spent defending you and your business.

Commercial Auto/Hired and Non-owned Auto

If your business uses vehicles as a part of normal business operations than you need to secure one or both of these coverages. If the business owns a vehicle and that is the only vehicle used for business purposes than a commercial auto policy should suffice your business, but if you have employees who use their own vehicle or rented vehciles for any part of their job than you need to secure the addition of hired and non-owned auto coverage.

Commercial Property 

A commercial property insurance policy is needed if your business owns and operates any property as a part of your operations, no matter the size. It is different than a traditional home owners policy.  Commercial property policies are sold on a replacement cost or on an actual value basis.  It is usually best to purchase a replacement cost policy.  This type of policy will cover the cost to tear down, haul off and replace the property that is damage.  An actual value policy will pay you an agreed upon value of what the property is worth.  In most cases this will not pay the entire amount to make your business whole again.

Inland Marine 

If you own any specialized equipment or equipment that is designed to be in transport frequently, you have a need for Inland Marine Coverage.  A commercial property will cover your facility.  A commercial auto policy will cover your vehicles.  If you have specialized equipment you use to design and maintain the arrangements or an attachment to your vehicle like a trailer it will not be covered by either of these policies. This is where an inland marine policy can be added to cover this specific equipment. Taking additional time with your agent to explain all the details of your business can make sure you secure all of the policies your business needs.

Workers Compensation

Workers Compensation Insurance is required by law for most businesses in 48 out of 50 states. The system is managed by the individual states, so it is important for you to check with the proper state governing agency to ensure you are compliant with your states laws and regulations. Even if there is an exclusion for your business to not carry the coverage, it is usually in your best interest to still secure workers comp coverage. This insurance policy will protect your business from being sued for most injuries that occur as a part of normal business operations. It also provides medical coverage and reimbursement of some lost wages for workers injured as a part of normal business operations.

Real Estate Insurance Needs

5 Types of insurance every Real Estate Agency should have.

 

Real Estate Agencies take on a unique set of risks compared to other traditional businesses.  Many businesses, like a restaurant for example, have a brick and mortar location where a majority or all of the business takes place.  Real Estate Agencies, while most do have a physical address, have a majority of their work taking place at a third party location.  These locations frequently are at the property they are helping to sell.  For this reason, real estates agencies have to secure a unique group of coverages in order to adequately protect their business. Here are 5 recommended coverages most real estate agencies should secure.

 

  •    General Liability Coverage
  •    Errors and Omissions (Professional Liability)
  •    Property Insurance
  •    Hired and Non-Owned Auto
  •    Workers’ Compensation Insurance

 

General Liability Insurance

For most real estate agencies, the risks related to general liability coverage are often minimal.  This is primarily due to not much business occurring at the physical location.  A majority of their work is done over the phone, by electronic mail or at a third party location. Off-Premises risks can be extensive for this industry. That is true whether you are dealing with the selling of properties or rental properties.  These risks typically arise from sales visits, inspections, open-houses and similar work done at the customers’ home or other buildings.  In some cases, there is an agent representing both the buyer and the seller.  Any damage that occurs during joint operations, like an open-house, can cause a dispute between all parties involved. Monitoring of keys is another risk that must be dealt with carefully.  Documenting every time, you access a facility is highly recommended to limit the risk you face regarding access to the facility.

Errors and Omissions Coverage (Professional Liability)

Exposure associated with errors and omissions (E&O) may be the most significant risk a real estate agency faces.  This is because a majority of the work you do is highly specialized and you are giving advice.  If you give the wrong advice, it can cause the business to be liable to the client in the future. To limit these risks the agency can make sure all employees have the proper credentials, experience and has the proper ratio of professional employees to clerical employees. Thorough background checks are essential to limit E&O Claims.

Commercial Property Insurance

If your agency owns physical property, you need to secure Commercial Property Insurance.  There are two ways these policies are sold.  They are sold on a replacement base or on an agreed upon value of the property.  In most cases, it is better to secure a policy at replacement level.  This will include the cost to tear down the facility, remove all debris and build a new facility.  If your policy is an agreed upon value it typically does not include these additional costs.

Commercial Auto/Hired and Non-Owned Auto Coverage

If you own vehicles for your employees to use when they are away from the office than you need to secure a Commercial Auto Policy.  Most real estate agencies do not own vehicles specifically for company use, but they do have agents who use their personal cars for business purposes.  When these employees are using their personal vehicles for business purposes the business is liable for any accidents that may occur.  The business is not liable for the damage to the employee’s car. This is covered by the employee’s personal auto insurance policy.  The business is liable for damage to the car and any bodily injuries that may occur to third parties.  A Hired and Non-Owned Auto Insurance Policy will take care of most liability a business faces resulting from accidents that occur when employees drive their personal cars or rented vehicles for business purposes.

 

Workers’ Compensation Coverage

Workers’ Compensation Insurance is required by law in 48 out of 50 states.  Each state has their own rules and regulations regarding the administration of this system.  Each state has their own exceptions for some small or family owned businesses.  Workers Comp is similar to general liability, except that it covers employees and not third parties.  When an employee is hurt on the job, work comp coverage will cover some of their lost wages (typically 60%) and medical costs incurred as a result of the injury.

My employees drive their own car for work, do I really need separate Commercial Auto Coverage for their Cars?

Won’t their personal insurance plans cover any wrecks they have?

The answer to this question is yes and no.  Like most things in life it depends.  If your employees drive their personal cars for business operations, you do not necessarily need a full commercial auto insurance policy.  There is another policy that will cover just this situation.  The coverage is called Hired and Non-Owned Auto Coverage.  This coverage is specifically for businesses who have employees who either use their personal car for work or drive a rented car at some time for business purposes.

Commercial Auto Insurance

Hired and Non-Owned Auto Liability covers bodily injury and property damage caused by a vehicle you hire (including rented or borrowed vehicles) or caused by non-owned vehicles of your employees. In most cases it does not pay for the physical damage to the vehicle itself; that’s covered by the owner’s insurance. Although this option is available on some policies.

Whether you realize it or not, as a business owner, you at least occasionally find yourself in situations where this coverage is needed. Errands and rental situations always come up. Just a few examples of when there is a need for this coverage include:  When you send an employee to pick up lunch, renting a car while on a business trip, to impress a client, you send a limo to pick them up, or an employee runs to pick up office supplies at the local Sam’s club.

So the answer to the original question: Won’t their personal insurance plans cover any wrecks they have? It may cover damage to their vehicle, but in most cases it will not cover any liability to the other person who’s may be injured or whose car has been damaged. The reason for this is because the only reason the employee is driving at the time of the wreck is because of the directions of the business.  Had the person not been working there is no reason to believe the person would have been behind the wheel at that place in time. For that reason, the liability is the responsibility of the business and not the individual employee. This is why it is important to have the right form of commercial auto insurance.

For this reason, it is crucial to secure hired and non-owned auto coverage for your business.  Not just a commercial auto insurance policy.  It can be added to most business owner’s policies for a minimal amount. No matter what the amount of the premium, it will most certainly be less than the damage to your business if an accident happens and you are not covered.  Uncovered losses involving a vehicle are the types of losses that some businesses are not able to survive.

 

 

5 Types of Insurance every Daycare Center needs.

Finding good daycare is an enormous concern for families with children under the age of 5.  Compared to the previous generation there is an extremely large amount of families who now have both parents in the work force.  ‘According to the group Child Care Aware, about 11 million children under age 5 spend an average of 35 hours a week in child care’.  Because of this fact, the day care industry has exploded. With this explosion has come many new businesses needing help with their liability needs.  There are many things that can put a day care center at risk.  Here is a list of the 5 most common coverages a day care center should secure.

 

✓ General Liability Insurance
✓ Hired and Non-Owned Auto
✓ Workers Compensation Insurance
✓ Business Income with Extra Expense
✓ Commercial Crime / Employee Dishonesty

 

General Liability Insurance

GL Insurance is required by law in most states. Many business owners unfortunately think this coverage is all encompassing and it is not.  It is the baseline for coverage for your daycare business.  It will cover your businesses liability for normal bodily injuries from things like slips and falls.  It can also cover property damage that occurs to third parties on your property.

 

Hired and Non-Owned Auto Coverage

If your business owns and uses vehicles as a part of your business you will need commercial auto coverage, but if you have employees who use their personal vehicle or rented cars you will need to secure Hired and Non-Owned Auto Coverage.  This will cover the liability your business faces as a result of any accidents you or your employees are in while on company time.

 

Workers’ Compensation Insurance

Workers Comp is another coverage that is required by law in nearly every state in the country.  It is similar to General Liability except it deals with bodily injuries to your employees. When an employee is injured on the because of normal business practices work comp coverage will cover a portion of their salary and any medical costs as a result of the injury.  Each state has their own laws governing how to administer workers’ compensation coverage.  For this reason, it is important for you and a key employee to know the process to properly help your injured employee get the care they need and get back on the job quickly.  Your carrier can help you with this both before you have an injured employee and when a claim occurs.

 

Business Income with Extra Expense Coverage

Business Income with Extra Expense Coverage is a type of commercial property insurance that covers the loss of income suffered when damage is caused to the property by a covered loss and it causes a slowdown or suspension of business operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property and may extend to apply to loss suffered after completion of repairs for a specified number of days. Expense Coverage is an additional type of commercial property insurance that pays for additional costs in excess of normal operating expenses.  These are normally expenses that an organization incurs to continue operations while its property is being repaired or replaced because of damage from a covered loss.  Extra expense coverage can be purchased in addition to or instead of business income coverage, depending on the needs of the organization.

 

Commercial Crime / Employee Dishonesty

Commercial Crime Insurance is a type of insurance that is designed to help businesses deal with crimes committed by their employees. This type of coverage typically covers several different types of crimes, such as: employee dishonesty; forgery or alteration; computer fraud; funds transfer fraud; kidnap, ransom, extortion; and money orders and counterfeit money coverage.  Employee Dishonesty Insurance is an additional coverage for employee theft of money, securities, or property. This type of coverage is written with a per loss limit, a per employee limit, or a per position limit. This is important to speak with your agent about what types of activities your employees partake in.  They can help you determine what type and how much risk you actually face.

Garage Liability vs. Garagekeepers

The difference between Garage Liability coverage and Garagekeepers coverage is the difference between liability insurance and physical damage insurance. The first covers the insured’s liability for operations and autos and the other covers damage to customer’s vehicles. All garage risks need both coverages to properly insure their loss exposures.

A typical garage business has an auto exposure (owned, non-owned and hired) as well as premises/operations, contractual and products/completed operations exposures. Rather than writing two separate policies, the Garage policy allows you to combine the coverages into one Policy. Garage Policy is a combination Business Auto Coverage form and a Commercial General Liability Coverage form. Garage liability insurance is an absolute necessity for the owner of a car dealership, a local mechanic, a tire dealer or a company doing oil changes. These policies are for employers who make a living working on cars. These programs are also for companies installing stereos or satellite radios. Do not make the mistake with the assumption believing Garage Liability Insurance would cover the loss of a customer’s auto while in your care. A separate Garage Keeper’s Policy or addendum to the garage (service center) policy already in place must be in place. Under the Garage keeper’s Coverage, there are two options for the auto service operator to consider. One is called direct excess coverage that pays up to the value of the destroyed vehicle above the owner’s coverage, and the other is direct primary coverage in which the service owner’s carrier shares the loss with the car owner’s insurer.

If you have a repair center that has a fleet of tow trucks or dispatched repair vehicles, those assets are covered under Garage Liability Insurance. However, the customer cars sitting outside waiting for service, or inside on that lift are not covered and this is the reason why you need the keeper clause for your protection. Please note that most Garagekeeper’s Policies excludes loss to non-factory installed sound equipment,.

Garage Liability Insurance providers may become extremely discriminatory regarding the requirements for getting the insurance, such as strict loss prevention or risk management efforts by the auto service owner. To cut costs and keep premiums lower, indemnity companies are often refusing to underwrite such things as wind and hail damage for company and customer vehicles. And tolerance by insurers for multiple incidents at a garage is limited.

Make sure every employee and officer of the company is on the policy. Coverage is usually only afforded to the locations and drivers listed on the coverage. Employees that get a DUI or go over their point allowances may be excluded from driving privileges and non-company drivers need to be discussed with the agent.

Getting and keeping garage liability insurance can be daunting. Proper night lighting, well landscaped grounds, well maintained signage and windows as well as a freshly painted exterior as well as clean floors and bathrooms inside can make or break a policy being approved.

 

 

12 terms to familiarize yourself with before your next renewal.

Twelve tips for the next time you purchase Small Business Insurance.

Insured

The person, group, or organization whose life or property is covered by an insurance policy.

Insurer

Insurance company that issues a particular insurance policy to an insured. In case of a very large risk, several insurance companies may combine to issue one policy.

Named Insured

Any person, firm, or organization, or any of its members specifically designated by name as an insured(s) in an insurance policy.  .

Learn these terms to help your business at your next commercial insurance renewal.

Premium

The price or amount paid for insurance.

Claim

A formal request to an insurance company asking for a payment based on the terms of the insurance policy.

Carrier

A company that offers and underwrites insurance policies.

Insurance Carrier

Policy

A document detailing the terms and conditions of a contract of insurance.

Underwriter

The person who decides whether to provide insurance and under what terms.

Agent/Broker/Producer

A person licensed by a state and employed by an insurance company to sell insurance policies on the company’s behalf.

Find out if you really need Umbrella Insurance Coverage at www.myinsurancequestion.com

Umbrella Coverage

Umbrella coverage protects your business when your existing liability insurance policy limits can’t cover all the expenses of a claim.

Hired and Non-owned Auto

A coverage that is commonly added or endorsed onto a commercial auto insurance policy. This endorsement adds additional coverages for the insured in the event there becomes a liability issue for an automobile accident involving a vehicle they don’t directly insure (rentals or employee owned cars).

Experience Modification Rating

An employers’ Experience Modification Rating refers the factor calculated from actual loss experience. It is used to adjust the businesses premiums (higher or lower) based on the businesses loss experience relative to the average underlying manual premiums for workers compensation coverage. The Modifier (Mod) compares the insured experience to the average class experience.

 

6 coverages every Lawn Care or Landscaping business should carry.

Lawn Care and Landscaping is a diverse industry and with that diversity comes a lot of risk. How you go about protecting your business from those risks can make all the difference in the long term success of your business. Some landscaping businesses simply mow lawns, others lay sod and plants shrubs, some even climb several feet into the air to work on trees and others grow and sell plants at one central location. No matter what type of landscaping business you are running, here are 6 coverages that every business in this industry should carry.

  • General Liability
  • Workers’ Compensation
  • Commercial Auto or Hired and Non-owned Auto
  • Inland Marine
  • Commercial Property
  • Business Owners Package

General Liability

General Liability Insurance is a policy that most every business needs. Depending upon the state and industry you operate in, it is required by law to be in business. For the lawncare and landscaping industry this coverage can prevent your business from damage that is caused to third parties by you or your employees. This can apply regardless of whether the incident occurs on your property or at the property of the customer.

Workers’ Compensation

In 48 out of 50 states workers comp is required by law. What you pay in premium will depend on your experience modification rating and the NCCI class code for your business.  Lawn care and Landscaping is an industry that has several classification codes which include: 9102, 0042, 9182, 0106, 9220, and 9016.

Commercial Auto or Hired and Non-owned Auto

Commercial Auto and Hired and Non-owned Auto Insurance are two coverages that deal with vehicles being used for business purposes. Which of these two coverages your business needs is determined by whether or not the business owns the vehicle that is being used for daily work. If you have employees using their own vehicle as a part of their job than you need Hired and Non-owned Auto Coverage. If you are leasing the vehicle for the season, than this is the coverage you need as well. If your business owns the vehicle than you need commercial auto insurance.

Inland Marine

Inland Marine Insurance Coverage is also known as equipment coverage or floaters coverage. These terms are used because this insurance is for equipment not covered by your property or auto insurance policies and it is usually equipment that is going to be in transit. If you have a trailer with several pieces of equipment that is going to be transported to several locations throughout the day than you need this type of coverage. This could also be necessary for greenhouses if they are having plants delivered to a clients location. while the products are being transported they would be covered by this policy.

Commercial Property

If you own property, no matter how big or small than you need this coverage. Without it you can put at risk everything that makes your business run. Unless you can afford to replace the property and everything inside it than you need this coverage. This policy can usually be added to  BOP for minimal cost to the business.

Business Owners Package

Most insurance carriers have what are called Business Owners Packages designed for each industry and each classification code. Through their experience with claims in each industry, each carrier has a basic recommended package of coverage they deem appropriate for each business. These packages can be adjusted based on the industry you are in and the amount of risk you as a business owner are comfortable taking. This is where the advice of an experienced insurance agent who you trust can be very valuable. An experienced agent should be able to lay down the risks and rewards of each coverage and help you to make the most informed decision possible when buying insurance for your business.

 

 

SIC Business Insurance Codes:

•   0781- Landscaping and Planning

•   0782- Lawn and Garden Services

NAICS Liability Classifications:

•   541320- Landscaper Architectural Services

•   561730- Landscape Services

Business ISO General Liability:

•   Code: 97047- Landscape Gardening

•   Code: 97050- Lawn Care Services

Common Workers Compensation Class Codes:

•   0042- Landscapers and Drivers

•   9102- Park Maintenance, Lawn Care, and Drivers

•   0106- Tree Pruning or Spraying

Have employees travelling? Do you know what kind of insurance you need?

Many businesses have employees who travel regularly as part of their job.  This is a part of many industries that can open up new markets and help to keep important clients happy. Nothing can replace meeting with someone for a firm handshake and a smile. With this travelling brings on a diverse amount of risk that your business is taking on. Your business should have written policies in place for how to protect company information while employees are travelling. Here are some things to consider:

 

  • Are your employees flying or driving?
  • Is the car being driven an employee owned vehicle, a company vehicle or a rented vehicle?
  • Are the employees taking a company laptop, tablet or other computer device?
  • Are all of your insurance policies still in place when the employee is out of state?
  • Is the employee coming home immediately after business is done. If not, policies need to be clear when they are on company time and when they are off.

 

Here is a list of policies to consider when having employees travel as part of their job. It is also always a good idea to consult your agent or insurance professional about the risks you may be taking.

 

Hired and Non-owned Auto Insurance –  Hired and non-owned auto insurance is commonly added as an endorsement onto a commercial auto insurance policy. The endorsement adds additional coverages for the insured for an automobile accident involving a vehicle they don’t directly insure.

 

Commercial Auto –  Commercial auto insurance for company vehicles is an important aspect of any business insurance program. This coverage provides protection against physical damage and injury resulting from car accidents. It should also provide some protection from theft and vandalism.

 

Workers’ Compensation –  Depending on where your employees are travelling to you may need to check with your insurance agent or carrier to make sure your employees are covered underneath your workers’ compensation policy while they are travelling. The Walsh Test is a good measuring stick to determine where jurisdiction will be when a workers compensation occurs involving more than one state.

 

Cyber Liability Insurance –  Cyber Liability Insurance, also known as Data Breach Coverage is coverage for your business from the intentional or accidental release of secure information to an unsecured environment.  A breach is typically a single incident where confidential, or protected information, is either viewed, copied, or stolen by someone not authorized to have access to the data.  You need to have a strict company policy in place for how you will safeguard company and client information while the employee is travelling.