JH Berry Risk Services

10/16/2026

Offering employee benefits as a small business can feel overwhelming, but it doesn't have to be all or nothing.

The right plan starts with a few key questions: what your team values, what fits your budget, and how you'll communicate it.

Our Small Business Benefits Toolkit walks through your options step by step. Get the toolkit: https://www.jhbrisk.com/blog/small-business-benefits-toolkit

10/15/2026

'Tis the season for a coverage check. Holiday parties, catering orders, and seasonal hires can change how your business operates for a few busy weeks. Your insurance should keep up.

Before the season starts, review:
- Events: If you're hosting a party or serving alcohol, do you know how your liability coverage applies?
- Catering and off-site work: Taking on more orders or delivering to new places can bring new exposures.
- Seasonal staff: Make sure temporary and part-time employees are accounted for in your workers' compensation program.

A quick conversation now can help you head into the holidays with confidence. Talk with a JH Berry risk advisor: https://www.jhbrisk.com/contact

10/13/2026

Non-profit leaders wear a lot of hats, and risk manager usually isn't the one anyone signed up for. But board members, staff, and volunteers all carry exposures that are easy to overlook until something goes wrong.

We put together five questions every non-profit board should be asking about its insurance and risk management program:
- Are our directors and officers personally protected?
- What happens if a volunteer is injured while serving?
- Are our fundraising events and off-site activities covered?
- How are we protecting donor and client data?
- Does our coverage still match how our organization operates today?

If your board hasn't talked through these recently, this is a great place to start. Read our full non-profit risk guide. Link in bio.

10/11/2026

Scissors beats paper. A clear insurance strategy beats guesswork.

Choosing coverage based on price alone, assuming every risk is covered, or waiting until renewal to ask questions can leave your business with costly surprises.

At JH Berry Risk Services, we help you understand your coverage, identify potential gaps, and make informed decisions as your business grows. Because protecting what you've built deserves more than a checked box.

When was the last time you reviewed your coverage? Let's make sure it keeps up with your business. Connect with our team: https://www.jhbrisk.com/contact

People. Service. Results.

10/09/2026

No two industries face risk the same way. A non-profit board, a general contractor, and a restaurant owner all need protection, but the questions they should be asking look completely different.

Over the next few weeks, we're sharing practical risk management insight for three industries we work alongside every day:
- Non-profit organizations
- Construction companies and contractors
- Restaurants and hospitality businesses

Since 1908, JH Berry Risk Services has helped Birmingham businesses understand their exposures and build insurance programs that fit how they actually operate. Follow along for industry-specific checklists and guides, and conversations worth having before your next renewal.

Want to talk now? No pressure, just a conversation about what makes sense for your business: https://www.jhbrisk.com/contact

10/08/2026

Rooted in Birmingham since 1908, serving clients across the country.

JH Berry Risk Services works with businesses, organizations, and individuals nationwide. Our clients include contractors, nonprofits, professional-service firms, and growing companies with fleets and employees. Each one has its own risks, and each one gets a strategy built around how it actually operates.

Whatever your industry or location, we're here to help you understand your exposures, protect what you've built, and plan for what's next.

People. Service. Results.

Let's start the conversation: https://www.jhbrisk.com/contact

10/06/2026

Running a restaurant means managing a lot at once: a commercial kitchen, a busy team, guests, and the systems that keep orders and payments moving. Each one carries its own risks.

Equipment breakdowns, kitchen injuries, foodborne illness, liquor liability, and cyber threats can all affect your business. Your coverage should reflect how your restaurant actually runs.

Our latest guide covers the most common risks restaurant owners face, plus 10 coverage considerations worth reviewing.

Read the full article: https://www.jhbrisk.com/blog/restaurantrisks

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10/05/2026

Every industry has its own risks, so your insurance strategy should be built for yours.

From construction sites to nonprofit offices to restaurant kitchens, JH Berry Risk Services helps organizations understand their exposures and build coverage around how they really operate.

No matter the industry or size of the company, we are ready to get you covered. Link in bio to learn more or reach out.

BirminghamAL

10/02/2026

Fire Prevention Week starts next week — a good reason to do a quick walkthrough of your building before it does.

A few things worth checking: that exits and walkways are clear, that storage isn't blocking sprinkler heads or electrical panels, and that your alarm and sprinkler systems have been tested recently.

Small fixes now can prevent bigger problems — and bigger claims — later.

Save this tip for your next walkthrough.

10/01/2026

Financial oversight is one of the most important — and most overlooked — responsibilities a nonprofit board carries.

An audit committee gives that oversight structure: reviewing financial statements, working with external auditors, evaluating internal controls, and reporting back to the full board. Done well, it builds trust with donors and grantors and helps catch issues early.

Governance and insurance work together here, not separately. Fidelity bonds, D&O liability, and fiduciary liability coverage address the financial exposures that oversight alone can't fully prevent — from fraud and theft to decisions made in good faith that are later challenged.

We put together a fuller look at both sides of this — audit committee responsibilities and the coverage that complements them. Read the full article, linked below.

Share this with another nonprofit leader who serves on a board.

Visit https://www.jhbrisk.com/blog/nonprofitriskinsights to learn more