Promotion Winners
General Liability offers Broad Basic Insurance Protection
Business owners need protection against a broad swath of liability claims. General liability (GL) insurance offers just that. Here are some examples of coverage you can select under your General Liability policy. Premises Liability This part of a general liability policy protects your company from financial loss due to injury or accidents that occur in […]
Read More....EPLI – Employment Practices Liability Insurance
Employment practices liability insurance (EPLI) helps pay for legal defense and claims payments related to sexual harassment, wrongful termination, and discrimination. Some insurers also offer extended help through legal consulting when an incident first comes to light to help customers navigate the legal process and mitigate further damages. Some EPLI policies, however, don’t cover certain […]
Read More....Business Interruption from Floods
The risk of flooding to your building may be far greater than you think. Flood maps are outdated, conditions that increase flood damage may now exist, and government flood insurance is rising in price. Additionally, many companies are underinsured for flood damage and, hence, are ill-prepared to survive a business closure resulting from flooding. You […]
Read More....Employee Emails, Yes, You Can Look at Them
You can look at employee emails or any email on your own systems or servers. With electronic communications now serving a predominant role in business and social interactions, companies want access to employee emails, texts and social media posts. To prevent employment practices complaints, institute and promulgate a detailed electronics-privacy policy—and stick to it. Business […]
Read More....How Subrogation Waivers for Subcontractors Work
Are you being asked to include subrogation waivers in a contract with a job partner, service provider or contractor? These waivers are common nowadays, but they must be coordinated with your insurance policy. If you are requesting one from a business you are working with, see to it that both your contract with that entity […]
Read More....No Claim Adjuster Will Visit You
If you have a property loss, you might be surprised when your insurer asks you to handle the claim’s adjustment. It is increasingly common for policyholders to be asked to go to the point of damage and take photographs or video—sometimes in a real-time feed to the insurer and under the guidance of a remote […]
Read More....Don’t Let Sign Breakage Break You
Got an expensive sign outside your business? While business owners policies and commercial property policies provide some coverage for signage, it’s usually for signs that are attached to the insured building. If you have detached signage, you need to ask about how to insure that—especially since electronic signs can run $10,000 or more. Often, detached […]
Read More....Snow Removal Liability Concerns
Snow removal companies need to have proper coverages in place. Poor coverage for snow removal businesses can cost you. When you’re plowing snow, the last thing you want to think about is how one hidden car could eradicate an entire job’s earnings. But snow removal companies face such liability risks with every outing. From sliding […]
Read More....Copying Photos from Google and Using Them
You went online and found a clever image, video or copyrighted text that works perfectly with your business’s new marketing campaign. Can you simply start copying photos from Google and using them on your website, social media page, blog, etc. without permission? The answer is…it depends….But probably NO! Copying photos from google or from someone’s […]
Read More....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 […]
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