Keys to a Successful Safety Program Safety is an intricate part of every operation or department within any organization. Many organizations have reduced their injury rates by implementing safety programs as an integral part of their overall risk management operation. Top…
Who is Covered Under a Professional Liability Policy? Professional liability insurance helps cover you and your company if you make a mistake in your professional services. This coverage is also known as errors and omissions insurance (E&O). The insurance company will pay all…
Pre-claim assistance is included in most commercially available Professional Liability insurance policies. If you believe your firm needs claim prevention assistance, you should: Contact your broker as soon possible to discuss your concerns. Expect a call from one of our…
What to do Before a Flood Floods can happen anywhere and just one inch of floodwater can cause up to $25,000 in damage. The best way to protect your home and belongings from flood damage is to purchase flood insurance. Flood insurance…
Resuming Projects After Shutdown Reopening a construction project after a shutdown can be challenging. Whether planned or unplanned, a construction shutdown can have a significant impact on a project’s potential for loss. To help prepare your work site to reopen,…
Understanding Your Home’s Replacement Cost Determining home replacement cost can be confusing. Homeowners may mistakenly think home replacement cost is the same as a home’s market value. Instead, it’s the cost of rebuilding the home. Your replacement cost only covers…
Water Back Up Coverage Water damage resulting from backed up drains or failed pumps is one of the most common homeowners insurance claims. It’s also the third most costly claim behind fire and liability lawsuits. Many homeowners don’t know that…
The Importance of a Return to Work Program Workers compensation claims cost employers in the United States billions of dollars each year. This price tag does not reflect the total (direct and indirect) costs involved in work-related injuries or illnesses….
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…
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….