Posts by Melissa

Keeping Workers Warm

Keeping Workers Warm Extreme cold can cause a number of health problems for employees during the winter months. Hypothermia and frostbite are just two conditions that may affect workers if the proper precautions are not taken.   If workers must…

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The Communicable Disease Exclusion

The Communicable Disease Exclusion You may have noticed a new exclusion form on your recent insurance policy renewal.  Several insurance carriers are implementing or strongly considering applying communicable disease exclusions on general liability policies in response to the pandemic crisis….

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What is Hired and Non-Owned Auto Liability?

Hired and non-owned auto insurance (HNOA) covers commercial liability expenses triggered by accidents involving hired (e.g. rental cars) or borrowed vehicles (e.g. employee-owned) for business use.   An HNOA policy typically covers liability claims and defense costs. It can cover…

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Return to Work Programs

Return to Work Programs If you don’t already have an established return-to-work (RTW) program, the time to start one is now. According to the National Council on Compensation Insurance (NCCI), lost time accounts for more than 40% of the total…

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Weather Event Preparedness

Weather Event Preparedness When there is a prediction of a potential weather event, don’t wait until the last minute to get prepared. Start now so that you may keep yourself and your loved ones safe. It is important to make…

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Asbestos Risks During Design Phase

Asbestos Risks During Design Phase Most professional service agreements assume that the site for a project is “clean” and that no risks from an environmental hazard such as asbestos will affect the project or the design professional’s delivery of services….

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Umbrella Liability Policy FAQ

Umbrella Liability insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home, or renters insurance. An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating…

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