Insurance News

Liabilities of Letting Employees Work From Home

June 7, 2021 |

Allowing employees to work from home has notable perks for small business owners, like you. These include promoting a satisfied workforce and cutting down on office space expenses. However, among all of the telecommuting fanfare, there are still potential liabilities to consider. This is especially true when you have home-based business employees. Questions you should begin asking yourself include:…

What is an employer to do in order to protect against litigation?

June 6, 2021 |

As workers are encouraged to return to the office, employers are walking a tightrope fraught with liability and risk. In fact, big insurers like Chubb, AIG and Travelers are bracing for an onslaught of claims related to employment and labor lawsuits as workers head back to the office. As employers continue to grapple with the…

OSHA Training Institute: Course Listings and Descriptions

June 2, 2021 |

#2040Machinery and Machine Guarding Standards Description: This course introduces the student to machinery processes and the related safety standards. The course focuses on the hazards associated with various primary types of machinery and the control of hazardous energy sources (lockout/ tagout). This is a Blended Learning Course. Students must complete a web-based training portion of…

Commercial Auto Insurance: It’s Hard To Find Coverage

May 5, 2021 |

Commercial auto is widely regarded as one of the most challenging insurance markets in the United States. Many years of sustained losses, inadequate rates and unhealthy combined ratios (in the region of 105% and over) have taken their toll on the market – but the winds of profitability are slowly changing. Loss ratios in the…

How Do I File A Business Insurance Claim?

May 5, 2021 |

When a fire, accident or theft occurs at your business: Contact your insurance agent and company right away. Any burglaries or theft should also be reported to the police immediately. Read your insurance policy so that you know what your responsibilities are to your insurance company after a loss. After a disaster, take steps to…

Builders Risk & Installation Floaters – The Basics

May 5, 2021 |

During the course of construction, Builders Risk policies cover buildings and other structures and personal property exposed to direct property loss. Damage can come from obvious perils such as fire wind, flood, etc. It can also come from faulty workmanship or design error. Your Builders Risk policy should include all fixtures, materials, machinery, and equipment…

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What Is Excluded Or Covered?

May 5, 2021 |

Excluded Property Property excluded under builders risk policies and installation floaters vary from one insurer to another. The following properties may be excluded: trees, shrubs, grass, plants, or land values; plans, drawings, designs, blueprints, or specifications; property in storage, unless it has been specifically assigned to the job site; machinery, tools, equipment, and property of…

What Is GAP Insurance & Why Do You Need It?

April 5, 2021 |

Whether you purchase or lease your car, you need to understand what GAP insurance is all about and how it can benefit you when you need it the most. GAP stands for “Guaranteed Auto Protection.” It’s a must when you’re leasing your car, however, if you buy a car and only make a small down payment,…

Spotlight on Employment Practices Liability Insurance

March 2, 2021 |

What happens if you fire someone and they turn around and sue you for discrimination? Regardless of why you let them go, you are going to have to pay for your legal defense. Imagine if one of your employees harasses another. Your company could face settlements and legal fees, all because the offense took place…

Does your EPLI include a definition of ‘breach of privacy’?

March 2, 2021 |

Business owners worried about discrimination or sexual harassment lawsuits will often purchase Employment Practices Liability Insurance (EPLI). However, many businesses fail to check to see if their EPLI policy covers an invasion of privacy. What do we mean by ‘invasion of privacy’? In California, a woman filed a lawsuit over the monitoring application her employer installed…