News


Is Your Property Valuation Current?

Is Your Property Valuation Current

Have you had a recent property valuation? Material costs are rising and your property coverage needs to keep up with inflation. Insuring your commercial real estate “to value” is crucial in protecting your business financial investment. Prices for both construction labor and materials are highly susceptible to market pressures, making repairs and rebuilds considerably more […]

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Crisis Response Coverage for Businesses

Crisis Response Coverage for Businesses

  Crisis response coverage is a little known coverage that could help get your business back on traffic after a tragedy. With all the violence one reads about, business owners may wonder if their insurance policies will help them deal with a crisis—things like evacuation of personnel, lost income if the business is damaged, and […]

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Weatherproof Properties to Reduce Damage

Weatherproof Properties to Reduce Damage

Here are some tips to help prevent weather damage to your properties. Inspect your building for cracks and seal above-grade exposures. Water seepage can cause mold and other damage, which might not be covered by your insurance. Clean gutters. Clogged gutters can cause roof, ceiling and wall damage, excluded from coverage as a maintenance issue. […]

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How To Keep Commercial Auto Rates in Check

How To Keep Commercial Auto Rates in Check

Commercial auto rates continue to climb. Although accidents decreased substantially in 2020 due to the COVID-19 work-from-home trend, fatalities climbed in 2020 compared to 2019. As roads emptied, reckless driving increased, according to Car and Driver magazine. Additionally, medical costs rose substantially, and truckers have seen numerous extremely high liability judgments. You can play an important role […]

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Social Media Posts and Workers Comp Cases

Social Media Posts and Workers Comp Cases

If your company has an employee who claims a work-related injury, you may wonder if you can check on how that person is doing via social media. If you are already friends with that person or if their posts are public, you are considered an authorized user. But you must never pretend to be someone […]

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ADA Accessibility Claims Are on the Rise

ADA Accessibility Claims Are on the Rise

Claims alleging that organizations don’t comply with the Americans with Disabilities Act are on the rise. As plaintiffs’ attorneys aggressively target both public and private entities, arguing a lack of ADA compliance, businesses and nonprofits face expensive litigation. Making matters worse, business owners policies and other liability coverage may exclude protection for such non-employee complaints. […]

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Top 5 Most Frequent OSHA Violations

Frequent OSHA Violations

Let’s look at the most frequent OSHA Violations. For companies that wish to avoid employee injury and workers compensation claims—or worse, penalties from the Occupational Safety and Health Administration (OSHA)—here are the top five violations in 2019, the most recent year reported. 1. Lack of fall protection 2. Inadequate hazard communication standards 3. Scaffolding violations […]

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Are You Insured Against Riots and Civil Unrest?

Insured Against Riots and Civil Unrest

Considering the recent increase in riots and social unrest, you may wonder whether your property insurance will respond if you face property damage as a result of a civil disturbance. The answer is usually yes. Most property policies cover damage from riots and civil disturbances. Insurers designed both the business owners policy and the commercial […]

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Will Insurance Cover a Special Event?

Special Event in Business

If you’re asked to sponsor a special event like a conference, happy hour or golf outing or you want to provide food for a business activity, will your liability policy provide coverage? Injury, foodborne illness, or even property damage can happen at any type of gathering. While your general liability policy can offer some protection, […]

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Do You Need Insurance After Shutting Down Your Business?

Do You Need Insurance After Shutting Down Your Business

Shutting down your business isn’t something we like to think about as small business owners, but it was a sad reality for many companies throughout the 2020 Pandemic year. Shutting down your business does not by itself eliminate the possibility of a liability claim against you. A business that manufactured or sold products may still […]

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