Slip and Fall Injuries: A Twofold Liability in Healthcare Facilities

Slip and Fall Injuries: A Twofold Liability in Healthcare Facilities

Healthcare facilities like hospitals, clinics, and long-term care operations are tasked with providing compassionate and effective care to their patients. These facilities also have a duty to provide safe working conditions for their staff. Most people think of healthcare facilities as safe places to work, but Bureau of Labor Statistics figures suggest otherwise. Slip and fall hazards are some of the most common sources of injury, both for patients and facility staff. U.S. Risk Underwriters, a leading specialty insurance broker, knows that healthcare facilities can protect their patients, their staff, and their assets with liability insurance as a part of an overall risk management strategy.

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How the Rise of Autonomous Vehicles May Affect Transportation and Insurance

How the Rise of Autonomous Vehicles May Affect Transportation and Insurance

Long a part of science-fiction novels describing a technologically-advanced future, self-driving cars have become reality. Numerous companies have developed the autonomous vehicle technologies needed to safely navigate America’s highways and byways. With the rise of these self-driving vehicles, new considerations of risk and of insurance have become apparent. These vehicles have the potential to change the insurance landscape dramatically, leading to questions about liability and the solutions insurance companies like U.S. Risk Underwriters will need to implement to protect drivers, their vehicles, and the companies manufacturing and selling autonomous trucks and cars.

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What Businesses Need to Know About Pollution Insurance

What Businesses Need to Know About Pollution Insurance

Businesses face many challenges as they conduct operations each year, and often have unique risks associated with the business environment. To help mitigate some of the risk exposures these businesses face, some form of commercial general liability (CGL) policy is typically purchased. One aspect that many businesses do not take into account, however, is that of pollution liability. What if a business were to become involved in an environmental event, such as a hazardous materials spill or groundwater contamination? U.S. Risk Underwriters, a leading provider of specialty underwriting programs for commercial and professional needs, believes that nearly all businesses can benefit from the added protection of pollution liability insurance.

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When Does a Business Need Liquor Liability Insurance?

When Does a Business Need Liquor Liability Insurance?

Any business that manufactures, sells, or serves alcoholic beverages faces unique risks in their operation. Legal claims from damages or injury related to alcohol consumption can lead to thousands or even millions of dollars in costs, potentially harming the business and its financial assets. To protect against these losses, liquor liability insurance is a smart risk management practice. U.S. Risk Underwriters, a leading specialty lines insurance broker, knows that liability insurance provides financial protection as well as peace of mind for alcohol-related businesses. In this guide, we’ll explore liquor liability insurance, its major types, and the typical coverages it can provide.

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How Agencies Can Utilize Temporary Staffing During the Holiday Season

How Agencies Can Utilize Temporary Staffing During the Holiday Season

As Thanksgiving approaches, companies across the country are gearing up for the busy holiday season. Extra hands may be needed to handle the increased workload. An increase in employee absences due to seasonal illnesses, coupled with a rise in holiday-related vacations, take their toll on the workforce. Faced with potential employee shortages, there are only a few options available to employers as they enter the holiday season. As one possible solution, many companies turn to temporary staffing agencies for help. It is critical that staffing agencies have some form of liability insurance to protect themselves and their clients; staffing insurance such as our StaffPak program serves to cover against a wide variety of staffing related liability exposures.

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The Greatest Risks Facing the Healthcare Sector in 2018

The Greatest Risks Facing the Healthcare Sector in 2018

The healthcare industry has long faced numerous challenges as it delivers quality care to those who need it most. As technology advances, including a greater understanding of disease processes and the tools to treat illness, new risks emerge. Changing regulatory requirements, increased service demand, and workplace violence have also added to the complexities healthcare providers face in daily operations. U.S. Risk Underwriters is a leading brokerage of specialty insurance solutions for unique risk placements across industries. Insurance coverage forms the foundation of risk management in the healthcare sector, providing protection for facilities, employees, and patients alike. In this guide, we’ll explore some of the greatest risks facing healthcare providers in 2018.

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The Legal Obligations of a Community Association

The Legal Obligations of a Community Association

Community associations, typically known as homeowners associations or HOAs, play a vital role in home ownership. Originally developed to help preserve neighborhood continuity and real estate value, today’s community associations are tasked with myriad duties. As a contractually- or statute-obligated organization, a community association is faced with significant legal rights, rules, and responsibilities. U.S. Risk Underwriters, a leading provider of customized insurance solutions for these organizations, knows that community associations must protect themselves and their assets against potential legal claims.

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The Challenges of Insuring the Transportation Market

The Challenges of Insuring the Transportation Market

The transportation industry experiences numerous unique risks. Transporting goods over long distances exposes vehicles, personnel, and cargo to significant risk; an alarming rise in trucking-related fatalities has only added complication to the transportation market. Insuring the industry presents significant challenges as well. Special risks insurance brokers must have a keen understanding of the market, its risks, and the dynamic nature of the industry in order to deliver comprehensive insurance solutions. In this article, we’ll illustrate some of the insurance coverage challenges brokers face when developing insurance programs and services for the transportation industry.

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The Intricacies of Insuring the Oil & Gas Industry

The Intricacies of Insuring the Oil & Gas Industry

The oil and gas industry is a dynamic marketplace, full of economic highs and lows and more than its share of physical dangers. As with any specialized industry, there are unique risks in the oil and gas business, and risk management is at the core of protecting business assets. U.S. Risk Underwriters, a prominent special-risks insurance company, works with insurance agents and brokers across the country to provide comprehensive insurance solutions for oil and gas industry clients. The firm has extensive experience in navigating the challenges of the industry, and offers insurance programs that meet the needs of industry clients perfectly.

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What it Means to Insure Financial Institutions

What it Means to Insure Financial Institutions

Financial institutions face unique risks in their daily operations – risks that many other business types simply do not experience. Because of intense regulatory scrutiny, financial institutions must have in place rigorous risk management protocols, including information security strategies as well as specialized liability insurance. Special risks insurance brokers work with these financial firms, helping them to develop insurance plans that protect assets from the losses associated with property damage, data breaches, negligence, and legal claims.

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