Running a business comes with its fair share of risks, from the potential for economic downturn to unfortunate lawsuits. One way that businesses can protect themselves against these risks is by investing in Directors & Officers Liability Insurance (D&O). This type of insurance provides financial protection for directors and officers, who may be held liable […]
As an employer, workplace safety should be one of your top priorities. Not only is it legally required, but it’s the right thing to do. In this blog post, we will discuss some of the basics of workplace safety and how you can promote a safe work environment for your employees. We’ll also take a […]
As e-bikes become more popular, the danger to both the rider and those around them also increases. While these bikes can be a great way to get around town, it is important that riders take responsibility for their actions and are aware of the dangers they present. In this blog post, we will discuss some […]
Water damage is one of the most common hazards faced by homeowners, and it is also one of the most common exclusions in homeowners insurance policies. Water damage can occur due to a variety of causes, including floods, storms, burst pipes, and leaks. While some water damage may be covered by your homeowners insurance policy, […]
Vicarious liability, sometimes called imputed liability, is a legal concept that extends responsibility for one person’s actions to another person. This other person does not have to be directly responsible for the incident — they only need to have a business, organizational or family connection to the person who committed the act. Examples of vicarious […]
Workplace accidents happen more often than we would like to think. In fact, according to the National Safety Council, there are about four million worker’s compensation claims filed every year in the United States. That is a lot of people who are injured on the job! Fortunately, there are ways that we can decrease these […]
As the world starts to return to normal following the pandemic, auto insurers are facing a tough road ahead. With people staying home and working remotely, there were far fewer miles driven during the pandemic. This led to a drop in auto losses and insurance payouts. Now that things are beginning to open back […]
what is and is not covered by EPLI? Employment practices liability insurance, or EPLI, is an insurance policy that provides coverage to employers against claims made by their employees. These claims include: wrongful termination sexual harassment retaliation unequal or unfair pay discrimination (i.e. age, race, gender, sexual orientation) EPLI covers the cost of lawsuits […]
You might be looking at the title of this article thinking… “Why does my business need water damage coverage?” Well, contrary to popular belief, water damage is one of the leading insurance losses, and can greatly impact your business. In fact, water damage is the second most common insurance claim for businesses. This considered, it’s […]
In 2019, the losses for business email scams sat at $1.7 billion, according to the Internet Crime Complaint Center (IC3). With cybersecurity risk at an all-time high, there is no room for a financial blow caused by the simple click of a malicious link in an email. So, how can you avoid falling victim to […]