What Is A Certificate of Insurance? What it Isn’t. A Certificate of Insurance is a representation of coverage under an insurance policy or policies, as it exits at the time the Certificate of Insurance (COI) was issued. A COI is…
Keeping Workers Compensation Claims Down Extreme winter weather and temperatures have been impacting most of the United States. In these conditions, fostering safe working conditions can be a challenge. To keep work comp claims down, follow these tips from OSHA…
How Does A Claim Affect My Professional Liability Policy? You’ve had a claim and it has now closed and you are wondering how this will affect your professional liability premium. At your next renewal your agent will probably ask to…
Risk of Being a Construction Manager While the terms construction management and construction manager (CM) encompass a broad range of potential services and roles within the project delivery process, the ways in which a CM defines and carries out services…
What is Employee Benefits Liability? Why Do I Need It? Employee Benefits Liability Coverage provides errors and omissions coverage for the administration of employee benefits programs of an insured. This coverage is usually endorsed to the General Liability Policy or…
What Does Cyber Liability Cover? The complexity of information systems in today’s marketplace can be just as daunting as the risks to the data handled by these systems. However, common causes of loss are being identified, making it easier to…
Saved By the Contract The Facts Acme Engineers was hired by Perfect Paperz to provide a feasibility study and engineering report for the company’s wastewater treatment plant at its nearby paper recycling mill. After the study, but prior to…
Directors and Officers Insurance Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual…
Risks for Design Professionals 1. Contract Language – Poorly written contracts and ambiguous language can expose firms to unintended Risk. It is a good idea to send your contract in question to your agent to…
SPRING OFFICE MAINTENANCE The milder days of spring are a perfect time to do a thorough spring cleaning and perform building maintenance. After a long winter, it is a good idea to spend time on preventive measures to help maintain…