Sinkholes It’s probably not something you think could ever happen to you; the ground suddenly opens up and swallows your home and the posessions within. With the recent news about just that happening in the metro Detroit area, you may…
Sinkholes It’s probably not something you think could ever happen to you; the ground suddenly opens up and swallows your home and the posessions within. With the recent news about just that happening in the metro Detroit area, you may…
Records retention for design firms is a very important part of your business. If the project were to have issues or even go as far as a claim being filed the records are your firm’s defense and beneficial for your…
Happy New Year! Now is a popular time of the year to declare resolutions, plan vacations or try something new. Some of us decide we’re going to eat better and spend more time exercising. We vow to spend more time…
Understanding deductibles on Professional Liability policies for design firms. While this may seem like it is a simple concept it can become confusing when it comes to quoting or at the time of the claim. First it is important to…
Preparing and Protecting Your Commercial Property Against Pipe Burst Accidents BREAKING NEWS FROM THE HARTFORD CLAIMS Frozen pipes cause some of the most common and costliest cold weather claims. While most frequently occurring in the Northeast and Midwest, frozen pipes…
What is the different between an occurrence policy and a claims made policy? There are several differences and typically specific types of policies have one or the other. Occurrence policy – coverage is ‘triggered’ by the date of the occurrence…
Holiday Claims This time of year if for celebrating with family and friends. What is often overlooked is the potential for accidents and negligence during the Holiday Season. Most of us will join together with our family and indulge in…
Parts of the Workers Compensation policy for Design Professionals. There are six parts to a Workers Compensation policy, the list below details those components of the policy. Part one – pays for bodily injury by accident or disease. The incident…
What are common requests on certificates of insurance for Design Professionals? There are many items that are requested on certificates of insurance, some that can be accommodated and some that can’t. Below is a list of some of those requests:…
Home Insurance The HO-3 has been the standard homeowners policy form for decades, and is adequate for most home owners’ personal insurance needs. For older homes, it’s still a good choice. But today, there’s something better, particularly for newer, well…