Managing Risk – Winter 2018

Nine Ways to Save on Workers Comp Insurance

man falling from ladderYour agent can help explain in more detail and show you how to get the best rates for the coverage you need. Read on for details.
 
 
 

Auto-Related Workers Comp Claims on the Rise

car crashThe percentage of vehicle-related workers compensation claims are increasing, both in count and in percent of total claims, according to data from AF Group. Read on for details.
 
 

Lightning Strikes

lightningYou cannot prevent lightning from striking, but you can take steps to minimize the damage it can cause. Read on for details.
 
 
 

Lightning DOES Strike Twice

Lightning hits the ground in the U.S. about 15-20 million times per year. It occurs more often in certain areas than others. Read on for details.

Personal Lines – Fall 2018

Hot-Car Deaths on the Rise

baby in carseatSince 1990, 800 children have died in hot cars. A combination of education, technology and legislation could help prevent these tragedies from happening in the future.
Read on for details.
 

How to Make an Insurance Claim

tabletWe 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.
 
 

Is Your Home Ready for Windstorm Season?

fallen treeHurricane activity peaks in the fall, but severe windstorms can occur at any time of year. The following pointers can help you protect your property.
Read on for details.
 
 

What Is a Mortgage or Lenders Loss Payable Endorsement?

When you buy property, such as a home (real property) or a car (personal property), and make payments on it, the party that lent you the money to buy it will need a way to protect its financial interest. To do this they will require you to add to your home or auto insurance policy a Mortgage or a Lenders Loss Payable endorsement. Read on for details.

Workers’ Comp Safety & News – August/September 2018

Cyber Attacks on Workers Compensation

screensCyber attacks have completely shutdown a number of businesses in the past and likely will in the future. What can you do to avoid or reduce your risk?
Read on for details.
 
 

Nine Ways to Save on Workers Comp Insurance

man falling off ladderYour agent can help explain in more detail and show you how to get the best rates for the coverage you need.
Read on for details.
 
 

Auto-Related Workers Comp Claims on the Rise

cars on roadThe percentage of vehicle-related workers compensation claims are increasing, both in count and in percent of total claims, according to data from AF Group.
Read on for details.
 
 

Does Technology Have a Solution for Distracted Driving?

Some experts think technology offers the best solutions for reducing distracted driving.
Read on for details.

Managing Risk – Summer 2018

Are You Ignoring Your Cyber Liability?

hacked computerLess than 37 percent of small business owners feel they have adequate cyber liability insurance protection, according to a new study conducted by The Hanover Insurance Group, Inc., and Forbes Insights.
Read on for details.
 

Litigating the Opioid Epidemic

pill bottles“Opioids could kill nearly half a million people across America over the next decade as the crisis of addiction and overdose accelerates.”
Read on for details.
 
 

How Drug Formularies Are Reducing Costs and Mitigating the Opioid Crisis

pillsTexas was the first state to experience a decrease in opioid prescriptions and significant savings in overall drug costs. Read on for details.
 
 
 

Hurricane Preparation Tips

Hurricanes Harvey, Maria and Irma all had substantial effects on the U.S. and Caribbean in 2017 and are among the top five costliest hurricanes on record, according to the National Hurricane Center (NHC). The National Oceanic and Atmospheric Administration (NOAA) is forecasting a similarly active hurricane season for 2018.
Read on for details.

Personal Lines – Summer 2018

9 Tips for Hiring a Home Repair Contractor

phoneDue diligence before you hire a contractor can save you time and money in the long run.
Read on for details.

Are Your Jewelry Items Insured for Their True Value?

cashDid you think your jewelry was covered under your homeowner’s policy? Read on for details.

How to Avoid Becoming a Fake Accident Victim

framesAuto accidents cost hundreds of billions of dollars each year and in some places, like New York City and Los Angeles, nearly one out of three accidents may not be an “accident” at all, according to the National Insurance Crime Bureau (NICB).
Read on for details.

How to Protect Your Home-Based Business

Most homeowner’s policies exclude claims resulting from “business pursuits.”
Read on for details.

Insurance Buyers’ News – May/June 2018

How to Control Distracted Driving

non-profits liabilityTen percent of fatal crashes and 15 percent of injury crashes in 2015 involved distracted driving. It may actually be more. Here are some tips to help eliminate distracted driving. Read on for details.
 
 

Why ‘Side A’ Is Critical if You’re a Director or Officer

data management planningThere are three parts to a D&O Policy — Parts A, B and C. In recent years exposure to Part A risks have increased dramatically.
Read on for details.
 
 

Active Shooter Insurance Now Available

additional insuredSadly, active shooter incidents have become so common there is now an insurance market to insure the liability of the entities where they occur.
Read on for details.
 
 

How Much Business Income and Extra Expense Coverage Do You Need?

Direct physical damage to your premises is not the only problem you’ll face with a fire or other loss. Here are some important points to consider when evaluating your indirect damage:
Read on for details.

Managing Risk – Spring 2018

Five Ways to Protect Your Firm from Sexual Harassment Claims

stampAccusations of sexual misconduct have been surfacing at an unprecedented rate. Some of the most recent high-profile figures to be accused of sexual harassment include actor James Franco, celebrity chef Mario Batali, public radio host Garrison Keillor, casino mogul Steve Wynn and dozens more. The list just keeps growing. And these are just public figures. The #metoo movement has many American businesses worrying that these people are only the tip of the iceberg and that someone in their firm may be next.
Read on for details.

Workers’ Compensation and the Teleworker

teleAs telecommuting increases, your obligation to compensate employees for work-related injuries does not decrease.
An increasing number of employees are teleworkers these days.
Read on for details.

The Six Types of OSHA Violations and Their Penalties

crutchAs conscientious as you and your company may be about federal OSHA compliance and keeping employees safe, you may need to undergo an OSHA inspection. Read on for details.
 
 

Four Insurance Policies That May Protect against a Sexual Harassment Claim

Depending on the circumstances, there are four different types of insurance policies you need to consider:
Read on for details.

Personal Lines – Spring 2018

What’s the Future of Auto and Home Claims Handling?

phoneLike everywhere else the digital world is bringing changes to the insurance industry.
Read on for details.
 
 
 

Eight Homeowners Endorsements You May Need

cashAn “endorsement” is an addition to the standard policy. Endorsements often, but not always, cost more. The added coverage could mean the difference between a claim that’s covered and paying out of pocket. Here are a few endorsements that you might need to cover frequently overlooked scenarios. Read on for details.

How to Buy Motor Home Insurance

framesWhether you own a deluxe land yacht with all the bells and whistles, a mini motor home, a towable motor home or folding camper, having any type of recreational vehicle represents a change in lifestyle…and insurance needs.
Read on for details.

Get a CLUE, Don’t Buy a Lemon!

A home’s prior loss history can affect your insurance costs. How do you find out about prior insurance claims?
Read on for details.

Workers Comp & Safety News – February/March 2018

Three Important Rehab Trends to Watch

stampNew techniques and technologies are providing alternatives for rehabilitation.

1. Pain Therapy Alternatives
2. Your Words Matter
3. Tele-Rehab

Read on for details.

Workers’ Compensation and the Teleworker

teleAs telecommuting increases, your obligation to compensate employees for work-related injuries does not decrease. Read on for details.
 
 
 

The Six Types of OSHA Violations and Their Penalties

crutchAs conscientious as you and your company may be about federal OSHA compliance and keeping employees safe, you may need to undergo an OSHA inspection.Read on for details.
 
 

Simple Steps to Reduce Telecommuting-Related Risks

What are best practices for employers and employees? Read on for details.

Managing Risk – Winter 2018

How Changes at EEOC Could Benefit Employers

stampPresident Trump’s appointment to the U.S. Equal Employment Opportunity Commission could signal a more cooperative attitude at the agency.
Read on for details.
 
 

How Technology Is Helping to Reduce Fraud

teleFraud in all U.S. lines of insurance is responsible for approximately $80 billion per year in losses. Several billion dollars of that is workers comp fraud. In the past few years, however, some of those loses have been reduced thanks to technology. Read on for details.

 

Section 7 and Social Media in the Workplace

crutchTwo restaurant employees complained about the company’s accounting department on Facebook — and were fired. Two teen center employees took to Facebook after an office meeting and disparaged their supervisors’ decisions — and were fired. James Damore used Google’s employee message boards to criticize how his employer was implementing its diversity policy — and was fired. Read on for details.

Ways to Fill Winter Storm Insurance Gaps

Your firm’s winter storm property insurance exposures may require more than a named perils insurance policy. You may want to consider upgrading your coverage to one of these types of property policies: Read on for details.

Personal Lines – Winter 2017/18

Five Lessons from Recent Hurricane Losses

phoneDamage from wind and water aren’t the only financial losses that hurricanes can cause.
Read on for details.
 
 
 

Five Ways You Could Accidentally Lose Your Car Insurance

cashForgetting to pay your premiums isn’t the only way to invalidate your automobile insurance. Read on for details.

 
 
 

Do You Need Workers’ Compensation for Household Employees?

framesEvery day, an estimated 2.5 million individuals—mostly women—work in others’ homes, cleaning, cooking and caring for children and the elderly. Although many people treat them as independent contractors, the IRS and workers’ compensation laws may consider these domestic workers “household employees.” If they are injured while working for you, you may be liable for lost-time claims as well as medical payments.
Read on for details.

Does Homeowners Insurance Cover Domestic Workers?

Standard homeowners policies include medical payments coverage, which will pay the medical bills of someone injured on your property, regardless of negligence on the part of the homeowner. However, the policy will not pay if you are obligated to provide workers’ compensation.
Read on for details.

Insurance Buyers’ News – November/December 2017

Five Lessons from Recent Hurricane Losses

non-profits liabilityDamage from wind and water aren’t the only possible detrimental financial consequences of a hurricane. Read on for details.
 
 
 

Was Vegas Shooting Foreseeable?

data management planningIf a particular type of crime regularly occurs on certain business premises, could other businesses in that industry be held liable if they fail to take preventative measures against similar instances in the future?
Read on for details.

 

Avoiding Winter Storm Damage

additional insuredIt’s been an unusally damaging year of wildfires and hurricanes. As those kinds of events recede we need to look ahead to the always costly winter storm season that will soon begin.
Read on for details.

 

Ways to Fill Winter Storm Insurance Gaps

To cover many of the winter storm property insurance exposures not covered by named peril insurance policies, businesses can buy one of these types of property policies:

Read on for details.