Personal Lines – Summer 2020

COVID-19 Update: How Insurance Companies are Helping Consumers

man holding umbrellaIn addition to payment relief to some customers, insurance companies are maintaining staff and supporting national pandemic relief efforts.
Read on for details.
 
 

Despite Its Low Cost, Most Consumers Don’t Buy Cyber Risk Insurance

digital lockA new report by the Insurance Information Institute (Triple-I) says most Americans underestimate the threat of cybercrime and are not buying insurance against it, despite its low cost.
Read on for details.
 

New Insurance Concepts That Could Save You Money

digital clockOn-demand insurance is expected to become a fundamental part of the insurance industry.
Read on for details.
 
 
 

CDC Tips for Cleaning and Disinfecting against the Virus

Hygiene tips to combat COVID-19.
Read on for details.

Insurance Buyers News – May/June 2020

Business Income Insurance and the Coronavirus

closed signDuring a recent Coronavirus update meeting, President Donald Trump said that he thinks that many insurance companies should be paying business income losses due to the coronavirus pandemic.Read on for details.

Is Your Auto Insurance Delivering During the Pandemic?

pizza delivery personHas your business been declared an essential service during the pandemic? If so, you are probably making home deliveries either for the first time or to a greater extent than before.
Read on for details.

Cyber Security and Working Remotely in the Pandemic

lockNow with so many more people working from home because of the coronavirus pandemic, it’s a good time to review your off-site cybersecurity practices. Read on for details.

Cyber Security for Mobile Devices

If you use a mobile device for company business, you should:
Read on for details.

Managing Risk – Spring 2020

How to Create a Risk Management Plan

risk management gearsWhen we think of risk, the first thing that usually comes to mind is insurance. But insurance is just one component of a sound risk management plan.
Read on for details.
 
 

CDC COVID-19 Guidance for Employers

world mapYour cleanliness and sick leave policies may need to be reexamined.
Read on for details.
 
 
 

Workers Compensation Insurance Execs Look into the Future

person holding crystal ballHere are the five critical trends affecting workers’ compensation identified by the National Council on Compensation InsuranceRead on for details.
 
 
 

Top 5 Workers Comp Fraud Schemes

According to the National Insurance Crime Bureau, fraud costs insurers and employers over $7 billion a year.
Read on for details.

Personal Lines – Spring 2020

Insurance for When Your House is not Your Home

houseThis can be an important matter in couple of instances: You’re living away from home for an extended period or you’re renting out all or part of your home. Read on for details.

Travel Insurance to the Rescue

woman with passportNot every trip justifies travel insurance, but for that big ticket, overseas, once or seldom in a lifetime excursion, travel insurance is at least worth considering. Read on for details.

Busting Auto Insurance Myths

car accidentMyth 1 — Red Cars Cost More to Insure Read on for details.

Important Travel Insurance Add-ons

Cancel Anytime Coverage: Some insurers offer policies with a Cancel Anytime feature which allows purchasers to cancel their trip for almost any unforeseen reason and even receive reimbursement for all or a portion of their non-refundable travel deposits. Read on for details.

Workers Comp & Safety News -February 2020/March 2020

When Are Workers Comp Claims Denied?

envelope stamped DENIEDWhile workers’ compensation is essentially a no fault bargain between employers and employees there are a number of reasons claims can be denied. Read on for details.
 
 

Workers Compensation Insurance Execs Look into the Future

person holding crystal ballHere are the five critical trends affecting workers’ compensation identified by the National Council on Compensation Insurance. Read on for details.
 
 
 

Can Second Injury Funds Help Reduce Your Comp Costs?

worker holding his backMore than half of injured workers having a pre-existing condition. Who pays if the recent injury aggravates the previous injury?
Read on for details.
 
 

Top 5 Workers Comp Fraud Schemes

According to the National Insurance Crime Bureau, fraud costs insurers and employers over $7 billion a year. Read on for details.

Managing Risk – Winter 2020

Are Insurance Companies Prepared for Another 9/11?

NYC skylineThe terrorist attacks on 9/11, in which terrorists hijacked and flew commercial airliners into the World Trade Center Towers and the Pentagon, demonstrated how such events are unpredictable, highly destructive and possibly uninsurable.
Read on for details.

How to Insure against Alleged Whistleblowers

person blowing whistleEmployees file lawsuits against their employers for many reasons.
Read on for details.
 
 
 

6 Workers Compensation Regulation Trends to Watch in 2020

person putting money in dr pocketThe expansion of presumption laws is just one of the predictions made by speakers at a recent workers’ comp conference. Read on for details.
 
 
 

How Does WC Coordinate with Social Security and FMLA?

Regarding Social Security, when a worker becomes eligible for both workers’ compensation and Social Security disability insurance benefits, one or both of the programs will limit benefits to avoid making excessive payments relative to the worker’s past earnings.
Read on for details.

Personal Lines – Winter 2020

A Quick Guide to Renters Insurance

house with rent signIn a sense, renters insurance is homeowners insurance — without the building. Read on for details.
 
 
 
 

Updates on the Automobile Technology Revolution

self driving carAs technology makes cars safer and more efficient, there are bumps in the road. Here are a few of the latest ones. Read on for details.
 
 
 
 

Mayor Proposes Mandatory Firearm Liability Insurance

gun safeA California mayor recently proposed that his city require all gun owners to carry insurance — or pay a fee that offsets the cost of gun violence. Read on for details.
 
 

How to Practice Firearm Safety

There are a multitude of safety measures you can take to prevent firearm incidents at home. Here are several tips to get you started:
Read on for details.

Insurance Buyers News – November/December 2019

How to Insure against Alleged Whistleblowers

whistle with zipperEmployees file lawsuits against their employers for many reasons. A 62-year-old white male employee with a positive performance record and favorable bonuses was terminated by a foundation. He sued the foundation … Read on for details.
 

Are Insurance Companies Prepared for Another 9/11?

NYC at nightThe terrorist attacks on 9/11, in which terrorists hijacked and flew commercial airliners into the World Trade Center Towers and the Pentagon, demonstrated how such events are unpredictable, highly destructive and possibly uninsurable.
Read on for details.

Why You — not just “Dolly” and “Bruce” — Might Need Surplus Lines Insurance

woman on tightropeA change in your business strategy can create a need to access the surplus lines market.
Read on for details.
 
 
 

What Does Surplus Lines Cover and How Do You Buy It?

Surplus lines insurers handle a broad range of business risks. These are some examples of the types of risk commonly insured by excess and surplus lines insurers: Read on for details.

Managing Risk – Fall 2019

How to Understand an Insurance Policy

insurance policyMost people would rather go to the dentist than try to read an insurance policy. Like most things that seem intimidating at first, though, when you break it down, it makes a lot more sense. Read on for details.
 
 

Marijuana, Workers’ Compensation and the Workplace

dr with marijuanaHow does the use of marijuana affect workers’ compensation benefits?
Read on for details.
 
 
 

Remote Workers Pose Huge Cyber Liability Threat

computer keyboardThere are benefits to working from home, but also risks to both employees and employers. Read on for details.
 
 
 
 

10 Tips for Reducing Cyber Liability Threats

Protect against viruses, spyware, and other malicious code. Make sure all computers are equipped with antivirus software and anti-spyware and updated regularly.
Read on for details.

Personal Lines – Fall 2019

Good News, Bad News about Car Theft

car thiefTen 10 tips to keep you from being victim to increasingly clever car thieves.
Read on for details.
 
 
 

Why You Always Need an Umbrella — Even When It Isn’t Raining

lightning stormBad things happen: that’s why people buy auto and homeowners insurance policies. But America’s love affair with lawsuits means your coverage could fall short. That’s where umbrella insurance policies come in. They provide a convenient and surprisingly affordable extra layer of protection for your key assets. Read on for details.

How to Protect against Lightning

umbrellaLightning is the most dangerous and frequently-encountered weather hazard that most people experience each year. How to protect yourself and your home.
Read on for details.

 

Are You Prepared for an Emergency?

Although people in the U.S. are better prepared today for an emergency than several years ago, only 43 percent of respondents in the Federal Emergency Management Agency’s 2017 National Household survey said they had taken at least three of the actions listed below to prepare for a potential emergency.
Read on for details.

Workers Comp & Safety News – August/September 2019

How To Make Safety Education Fun and Effective

safety trainingIt’s often a challenge to capture the attention of employees when the subject is safety.
Read on for details.

Five Exceptions to The Going and Coming Rule

man in carIt’s not always easy to determine whether workers’ compensation rules apply to job related travel and the rules vary from state to state.
Read on for details.

9 Ways to Improve Your Workers’ Comp Program and Save Money

money growing on plantsThe key is advance planning.
Read on for details.

When to Subrogate a Workers’ Compensation Loss

For there to be a workers compensation subrogation, there must be third-party fault.
Read on for details.

Managing Risk – Summer 2019

OSHA to Publish Specific Rules for Preventing Workplace Violence

work crime sceneThere are four types of workplace violence. You should know the four ways to mitigate it.
Read on for details.
 
 
 

Getting the Best Outcome from a Workers’ Comp Incident

worker on the floorThe definition of what is the best outcome has become more expansive in recent years.
Read on for details.
 
 
 

Who Needs Product Liability Insurance?

insurance blocksIf you manufacture, sell or distribute any kind of product, you probably need some kind of protection from product liability claims. Read on for details.
 
 
 

What is Environmental Liability Insurance?

Standard business general liability (GL) policies provide little coverage for pollution damage, including toxic spills like the one in West Virginia in 2014.
Read on for details.