News
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 and inflation is at an all time high! 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 […]
Read More....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 […]
Read More....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. […]
Read More....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 […]
Read More....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 […]
Read More....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. […]
Read More....Top 5 Most 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 […]
Read More....Are You 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 […]
Read More....Will Insurance Cover a Special Event?
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, […]
Read More....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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