Personal Lines – Fall 2017

Five Practical Tips for Buying the Right Car Insurance at the Right Price

phoneIf you need insurance for a new car or you’ve been routinely renewing your car insurance with the same coverage and limits every year, it makes sense to evaluate your options before buying or renewing. Here are five practical tips:
Read on for details.

Protecting Your Family from Dog Bite Liability

cashThe Insurance Information Institute (III) reported that dog bite claims cost an average of $33,230 in 2016, an increase of 36% since 2008. If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? Read on for details.

Do You Know What’s REALLY in Your Homeowners Policy?

framesMany homeowners don’t. The Insurance Information Institute surveyed homeowners to find out how well people understand their policies. Here are some of the findings of the III’s 2016 Consumer Insurance Survey.
Read on for details.


What Is a “Bite”?

Sometimes legal disputes arise over what exactly constitutes a “dog bite.” If the laws of the community where the bite occurred do not specifically define “bite,” courts generally hold that the dictionary definition applies. Webster’s Dictionary defines “bite” as: “To cut, tear, or grip with or as if with the teeth.”
Read on for details.

Workers Comp & Safety News – August/September 2017

Can Technology Reduce Distracted Driving?

stampTechnology caused the problem but maybe it has the solution as well.
Approximately nine people are killed and more than 1,000 are injured in car crashes reportedly involving a distracted driver each day in the US, according to the National Highway Traffic Safety Administration.

Read on for details.

Second Injury Funds

teleMore than half of all injured workers have a pre-existing condition, according to one expert. When you have an employee with a permanent impairment who suffers a second injury, you are responsible for compensating only the most recent injury. Many employers fail to realize this, often spending thousands of dollars more than they need to. Read on for details.

OSHA Extends Electronic Form 300A Filing Compliance Date

crutchThe extension is being made to give the new administration an opportunity to review reporting requirements.Read on for details.

What Safety Regulations Apply to Your Business?

When it comes to workplace safety, ignorance is no defense. OSHA safety and health regulations often apply to all businesses, regardless of size.
Read on for details.

Managing Risk – Summer 2017

How Will Driverless Cars Affect Your Business?

stampIt’s predicted that driverless cars will account for 25 percent of global car sales by 2035. How will this affect your business and your employees? Read on for details.

How Does Marijuana Legalization Impact Your Drug-Free Work Environment?

teleMarijuana is now legal in some form in 28 states and the District of Columbia. What does this mean for your workers’ compensation safety program?Read on for details.

Do You Need Property Insurance Even If You’re Just Renting?

crutchYou buy property insurance to cover damage or loss to property. But what if you don’t own the property or you rent it? Your liability policy might provide some coverage…but probably not enough. Read on for details.


Commercial Drone Insurance is Here

As drones become more useful in commerce, commercial drone insurance is becoming increasingly popular.

Read on for details.

Personal Lines – Summer 2017

What If Somebody Sues You?

phoneIn many instances, your homeowners insurance will cover you. You buy homeowners insurance to protect your home and your personal property. Many people don’t realize their policy also protects them from liability lawsuits and claims.
Read on for details.

Do You Need a Boat Insurance Policy?

cashIn 2015, the Coast Guard counted 4,158 recreational boating accidents that involved 626 deaths, 2,613 injuries and approximately $42 million dollars of damage to property. If you own or regularly operate a boat, you probably need more coverage than your homeowners policy provides. Read on for details.

Identity Theft — Bad News and Good News

framesIn 2016, financial losses due to personal identity theft totaled $16 billion and affected 15.4 million U.S. consumers, according to the 2017 Identity Fraud Study, released by Javelin Strategy & Research. In the past six years, over $107 billion has been stolen by identity thieves.
Read on for details.

Are Telematics in Your Future?

If you own, drive or even ride in a car, the answer is yes. By 2022, there will be an estimated 2 billion connected vehicles on the road worldwide. “This transformation will impact insurers, repairers and original equipment manufacturers (OEMs), creating new risks and opportunities,” according to Mac Fraser, a spokesperson for CCC Information Services.
Read on for details.

Insurance Buyers’ News – May/June 2017

Business Income Coverage: Survival Plan for Small Business

non-profits liabilityIn survey of business owners by Trusted Choice a few years ago, more than half of the owners said they didn’t have business income coverage. But more than half of businesses without business income insurance will close within three years of a serious loss. Business income insurance would “have protected those small businesses from that fate,” according to Trusted Choice spokesperson Madelyn Flanagan. Read on for details.

Why Private Companies Need D&O Insurance Too

data management planningPrivate corporations and nonprofits are less likely to be targeted in multi-million dollar directors and officers liability lawsuits than publicly traded companies. They still have risk exposures, though. In fact, in a recent survey by Advisen, 25 percent of D&O claims among private companies settled for $1 million or more. Could you protect your directors and officers from claims that large?
Read on for details.

What’s the Difference between Arbitration and Mediation?

additional insuredHow many times have you signed a contract that requires mediation or mandatory arbitration of disputes? Do you know what you’re signing?
Read on for details.

D&O Trends

These current trends affect both public and private companies:

  • Regulatory enforcement
  • Emerging risks
  • Changing policies

Read on for details.

Managing Risk – Spring 2016

2017: The Year of the Cyber Attack

stampCyber security problems will increase in 2017, warns Experian Data Breach Resolution, a branch of the credit reporting giant Read on for details.

15-Point Checklist for Your Account Service Instructions

teleIt’s not you, it’s me. The instructions you give your insurance carrier and broker can determine how effectively they handle your claims.Read on for details.

Service Animals, Assistance Animals, Therapy Animals—What’s the Law?

crutchGuide dogs and service dogs have helped individuals with disabilities navigate life for decades. Now you also see assistance animals, therapy animals and emotional support animals. What’s the difference and what’s the law? Read on for details.

Climate-Change Disclosures Recommended

Publicly traded companies should disclose their climate-change risks and what they’re doing about them, says the Financial Stability Board. The Board, an international body that monitors and makes recommendations about the global financial system, includes members of the G20, government ministers and central bank governors of 20 leading economies.

Read on for details.

Personal Lines – Spring 2017

Insuring Art and Collectibles

phoneIf you have artworks, antiques and other collectibles, your collection might be worth more than you realize. Does it have proper coverage?
Read on for details.

The Insurance Checkup: Good for Your Financial Health

cashHaving too little or too much insurance can cost you money. A regular insurance checkup can help ensure you have the amount and type of coverage you need.
Read on for details.

Protect Yourself from Volunteer Liability

framesAmericans are a charitable group. One-fourth (24.9 percent) volunteer for a nonprofit or school*. Most people volunteer because they believe in a cause, want to help others or want to improve their community. Although volunteering might feel good, it’s not always risk-free.
Read on for details.

Smartphone Use = Higher Insurance Rates?

Fatal accidents are on the rise, and so are consumers’ auto insurance premiums. Allstate President Matthew Winter told shareholders that “the correlation between smartphone ownership and accident frequency is striking,” according to a Wall Street Journal article.
Read on for details.

Workers Comp & Safety News – February/March 2017

OSHA Update

stampRules and regulations promulgated by OSHA, the Occupational Safety & Health Administration, affect employers all over the country. Here are a few new developments you should be aware of.

Read on for details.

15-Point Checklist for Your Account Service Instructions

teleIt’s not you, it’s me. The instructions you give your insurance carrier and broker can determine how effectively they handle your claims.Read on for details.

Beyond Fitbits: How Wearable Tech Can Increase Safety defines wearable computers as “miniature electronic devices that are worn by the bearer under, with or on top of clothing.” You might be thinking of futuristic devices such as Google Glass, but many safety “wearables” are much simpler and more common. Here’s a peek at a few technologies that are improving safety.Read on for details.

Daylight Savings Safety

This year, Daylight Savings Time (DST) begins on Sunday, March 12. Most states switch to DST at 2 a.m., although some do not change their clocks.
Read on for details.

Employee Benefits Report – January 2017

OSHA Publishes Updated Slip, Trips and Falls Rule

stampIn mid-November, OSHA published its long-awaited final rule on slips, trips and falls. The rule becomes effective on Jan. 17, 2017, and will affect approximately 112 million workers at seven million worksites. Read on for details.

Website Accessibility Lawsuits Increasing

teleA whole subspecialty of law practice is emerging, focusing on website accessibility. That’s bad news for businesses that haven’t ensured their websites are accessible to people with disabilities.Read on for details.

Specialty Liability Coverages

crutchIn our last issue, we discussed the liability insurance coverages that every business should have. In this issue, we’ll discuss some specialized coverages that are “nice to have” for some businesses, and “must haves” for others. Read on for details.


Winter’s Temperatures Bring Risk of Hypothermia and Frostbite.

Whenever temperatures drop and wind speed increases, heat leaves the body more rapidly. This can lead to hypothermia and/or frostbite.
Read on for details.

Personal Lines – Winter 2017

The Distracted Driving Epidemic

phoneEach day in the United States, more than 8 people die and 1,161 are injured in crashes reported to involve a distracted driver. In 2013, nearly one in five crashes (18 percent) in which someone was injured involved distracted driving.
Read on for details.

The Property Risks You Might Have Overlooked

cashA homeowners policy will protect your home from loss due to fire, theft, vandalism and more. But without certain important coverages, your policy could leave you short of the funds needed to rebuild and recover. Read on for details.

How to Handle a Claim

framesWe hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage.
Read on for details.

Airbnb and Your Homeowners Insurance

Renting out an extra room in your home might sound like a great way to make extra cash. It can also create new risks.
Read on for details.

Insurance Buyers’ News – November/December 2016

Website Accessibility Lawsuits Increasing

non-profits liabilityA whole subspecialty of law practice is emerging, focusing on website accessibility. That’s bad news for businesses that haven’t ensured their websites are accessible to people with disabilities. Read on for details.

Specialty Liability Coverages

data management planningIn our last issue, we discussed the liability insurance coverages that every business should have. In this issue, we’ll discuss some specialized coverages that are “nice to have” for some businesses, and “must haves” for others.
Read on for details.

Protect Your Cargo!

additional insuredEarlier this year, the FBI released its second annual compilation of cargo theft data. During 2014, 547 incidents of cargo theft were reported to law enforcement. The stolen cargo had a value of more than $32.5 million.
Read on for details.

Winter Prep Check-up

It’s that time of year when Mother Nature begins to get feisty—sending a late-season hurricane or an early blizzard or torrential rainfall your way. Don’t wait for her to remind you that now is the time to make sure your business is ready for winter.
Read on for details.

Managing Risk – October 2016

How Evidence-Based Treatment Saves Money

stampThe state of California has realized savings of about 8 percent since introducing evidence-based treatment guidelines into its workers’ compensation system in 2012. What is evidence-based treatment and how can it help employers’ bottom line? Read on for details.

What to Do When You Get a “Reservation of Rights” Letter

teleYour organization has just been sued, and you’ve notified your liability insurer as required by the policy. You think all’s taken care of…when you receive a reservation of rights letter from the insurer. What does this mean, and what should you do? Read on for details.

The Liability Coverages Every Business Needs

crutchThere are insurance coverages that all businesses need, some that all business should consider, and some that you need only if you have special risk exposures. Read on for details.

Meet Your Insurance Professional: Claims Examiner

Workers’ compensation insurers and some self-insured employers have employees who examine claims after they are submitted for payment. In workers’ compensation, benefits are mandated by law, so examiners who work for workers’ compensation insurers review a claim to ensure it meets the law’s definition of a compensable work-related claim. If a claim meets that definition, the examiner will review it to ensure claimants receive any lost-time benefits due to them.

Read on for details.