News and Articles—All News and Articles
How Cyber Threats Will Evolve in the Coming Years
January 28, 2022
What is the future of cyber security? If you service cyber insurance clients, you likely already field questions about the changing winds of the cyber security field. However, the threats your clients may face, regardless of their industry, are far from stagnant. In fact… more ▶
How Will Omicron Impact the Transportation Industry?
January 18, 2022
Since its emergence in fall 2021, the Omicron variant of COVID-19 has continued to wreak havoc on the world economy. This includes the transportation industry, which has faced a series of setbacks in recent months. These obstacles include… more ▶
Construction Industry Predictions for 2022
January 12, 2022
If you regularly act as an insurance agent for construction insurance clients, you may have already been on the receiving end of industry trend-related questions. Although it may not be possible to predict with complete certainty what the top trends… more ▶
The Legal Obligations of Condo Associations
December 26, 2021
According to the Foundation for Community Association Research, 26% of the U.S. population resides in community associations. These associations offer a range of benefits to their members, including amenities, security, and increased property values… more ▶
How the Staffing Sector Can Overcome the Labor Shortage
December 14, 2021
There are not enough workers in the United States. In fact, labor experts have said the job market has not been so lacking in employees since the 1950s. Even economists are surprised by the ongoing scarcity of workers. This new paradigm is forcing… more ▶
2022 Cybercrime and Threat Predictions
December 7, 2021
Cybercrime has increased in frequency and severity over the last few years, and predictions indicate that the trend is not going to slow. Forecasters say data breaches will cost an annual $10.5 trillion by the year 2025, compared to $6 trillion in 2021… more ▶
Retaining Quality Staff in Nursing Homes
November 29, 2021
The Center for Disease Control and Prevention estimates that there are 1.3 million people currently living in nursing homes. These residents rely on staff for medication, nutrition, and help with daily tasks. Unfortunately, though, it’s not always easy… more ▶
Why Companies Should Not Pay Ransom Fees
November 15, 2021
Increased reliance on technology brings increased potential for cybercrime, and ransomware is no exception. An investigation by Verizon in early 2021 reported that 10% of breaches from 2020–2021 involved ransomware, a type of malware that attacks a company’s… more ▶
Addressing the Current Truck Driver Shortage
November 8, 2021
Commercial truck drivers form a vital link in the supply chain. They move the bulk of retail and industrial products from ports and factories to sellers and service providers. Unfortunately, a severe truck driver shortage is contributing to supply chain backlogs… more ▶
A Cyber Claims Roadmap
November 3, 2021
With cyber incidents on the rise and constantly evolving, it’s vital that a cyber policy is in place, and that the response process is clear in case of an incident. Certain steps that must be taken to help ensure coverage will be there when needed… more ▶
What is Multi-Factor Authentication?
November 1, 2021
No matter how strong password credentials may be to secure an account, there are often equally strong attacks against them. When establishing appropriate access for users, it’s important that users prove they actually are who they claim to be. Multi-factor… more ▶
Preventing Falls in Assisted Living Facilities
October 12, 2021
When considering the liabilities, you need to address with clients looking into skilled nursing home insurance, advising them to develop a risk reduction strategy is best to minimize their claim exposures. Patient falls are one of the more serious concerns… more ▶
A Bank’s Largest Cybersecurity Threats
October 5, 2021
Banks have always been a dream target for criminals. After all, that's where the money is. In today's technological landscape, much of a financial institution's operations now occur over the internet, creating a web of attractive targets for cybercriminals.… more ▶
How Can Trucking Companies Prevent Accidents on the Road?
September 21, 2021
The commercial trucking industry operates over a million vehicles on U.S. roadways and covers millions of miles each year. Trucking company owners know this volume of trucks and routes represents a significant risk exposure. While transportation insurance… more ▶
Comprehensive HOA Risk Management Strategies
September 14, 2021
Thousands of homeowners’ associations (HOAs) and similar community associations exist in the United States. Originally designed to help protect property values, these organizations have expanded in scope and purpose in recent years. Most HOAs are… more ▶
Critical Cybersecurity Statistics Every Business Should Know
September 7, 2021
Not a week goes by without news media reporting on another cyberattack targeting business data. Highly-publicized data breaches or networks held hostage have accelerated the adoption of cyber insurance across the business sector. As the economy begins its… more ▶
COVID Delta Variant: How Should Employers Respond?
August 24, 2021
In 2020, as the coronavirus pandemic dramatically altered the operation of businesses around the world, employers faced significant economic and employee safety challenges. So-called “essential” workers, such as those in retail, grocery, and restaurant… more ▶
What are the Risks Presented by Valet Services?
August 17, 2021
In the hospitality industry, valet services are often used to distinguish upscale restaurants and hotels from their competitors. Valets manage guest vehicles, eliminating the challenges of finding parking for out-of-town visitors or patrons. While this service can be… more ▶
Oil and Gas Industry Risk Management
August 3, 2021
The energy production industry is known for its operational and liability risks. These risks have the potential to interrupt critical supply chains and damage the environment. They can also put financial assets in jeopardy. While oil and gas insurance solutions… more ▶
Everything Your Clients Need to Know Regarding Pollution Liability
July 28, 2021
For many industries, the threat of an environmental disaster through pollution spills or discharges is a looming risk. Businesses in the manufacturing, energy production, and transportation sectors have significant risk exposures to pollution claims… more ▶
Community Association Risk Management
July 20, 2021
Community associations are an integral part of the home ownership experience for many Americans. These associations are tasked with maintaining properties to established standards, resolving property owner disputes, and minimizing losses… more ▶
Common Patient-Care Risks Faced by Nursing Homes
July 6, 2021
With over a million seniors receiving care from facilities like nursing homes and memory care centers, the long-term healthcare industry is experiencing significant growth. Residents and their families rely on compassionate and accurate care at these facilities. To… more ▶
Promoting Gender Equality in the Recruitment Industry
June 22, 2021
Gender inequality has long been an issue plaguing the business world. Disparities in pay rates and in opportunities for advancement have led to numerous legal challenges; while progress has been made to level the playing field, true gender equality… more ▶
The Actual Costs of a Data Breach in 2021
June 15, 2021
2020 was a banner year for cyber criminals. As the coronavirus halted normal business operations across industries, shifts to remote work environments and a growing reliance on digital communication resulted in significant risk exposures for… more ▶
Is Workers’ Comp Profitability Shifting?
June 9, 2021
The workers’ compensation insurance sector has faced significant challenges over the past two years. The coronavirus pandemic, coupled with economic uncertainty, has influenced the growth and development of the sector. While claims frequency has… more ▶
State of the Public D&O Market
June 3, 2021
Directors and officers liability insurance is becoming increasingly challenging to both purchase and maintain. An extremely important tool to protect companies and their management against claims for violations of securities laws, it is now at a crossroads… more ▶
SPAC Coverage Considerations
June 2, 2021
While SPACs, often referred to as a “blank check company,” have become very popular, the speed and intense pressure to have the SPAC go public in a short window of time, presents risks both before and after the merger/acquisition of the target operating company… more ▶
Spotlight on Ransomware
June 1, 2021
Ransomware has become increasingly sophisticated, specialized and often incredibly difficult to prevent. This form of cybercrime involves hackers breaking into computer networks and locking up digital information until the victim pays for its release… more ▶
Lesser Known Costs Associated with a Cyber Attack
May 17, 2021
With the growing threat of cyber attacks on business interests around the world, cyber insurance has become an integral part of risk management. This insurance helps to cover the expenses associated with a cyber attack, such as a distributed denial of service… more ▶
Employment Laws and Risk Management: What Every Employer Should Know
May 11, 2021
In the modern business world, the relationship between employer and employee is complex. A range of laws govern the rights and responsibilities of both parties; failure of employers to adhere to these laws can result in expensive regulatory penalties and… more ▶
Workers’ Comp Myths: Fact vs. Fiction
May 4, 2021
Required by most states, workers’ compensation insurance serves to provide financial support for employees injured on the job. Workers’ comp is a valuable benefit for both employees and employers, yet many myths and confusion surround the insurance… more ▶
Artificial Intelligence (AI) in the Transportation Industry: Potential New Risks
April 19, 2021
The commercial transportation industry has seen dramatic changes over the course of the past decades. The industry has adopted emerging technologies to improve safety and efficiency in operations. As part of a broad risk management strategy… more ▶
How Remote Work is Reshaping Recruiting with Technology
April 12, 2021
Telecommuting, or working from a remote location, has been a small part of the business world for many years. In the wake of COVID-19 and its significant health hazards, companies around the world ramped up their remote work options with innovative tools… more ▶
Common Employment Lawsuit Examples to Avoid
April 5, 2021
In the wake of the COVID-19 pandemic, concerns about employment practices liability have taken on a new urgency for companies across the country. As millions of Americans return to the workforce after being terminated or laid off during the pandemic… more ▶
Workers’ Comp Regulatory and Legislative Considerations for 2021
March 23, 2021
Workers’ compensation insurance is an important benefit for the American workforce. Required by most states and for most business types, workers’ comp provides financial compensation for injuries and illnesses occurring on the job. As with any employee benefits… more ▶
Staffing Challenges Expected Throughout 2021
March 16, 2021
The coronavirus pandemic of 2020 has upended world economies. Millions of people lost their jobs as hundreds of thousands of businesses closed their doors, often for good. As 2021 unfolds, experts are predicting significant staffing challenges in recruiting… more ▶
Cyber Security Forecast for 2021
March 9, 2021
2020 provided unique challenges to business owners around the world. The coronavirus pandemic forced dramatic changes in business operations, pushing many companies toward a digital presence. Stay-at-home orders and quarantine restrictions… more ▶
How Has COVID Reshaped Workers’ Compensation?
February 23, 2021
The coronavirus pandemic of 2020 continues to create outsized impacts on the business world. Companies of every size and type have been affected, and millions of people have lost their jobs. Still, the economy has kept going, with companies balancing… more ▶
Truckers Among High Priority Vaccine Deployment Group
February 16, 2021
America’s truckers are the lifeblood of commerce. As the coronavirus pandemic has tightened its hold on the U.S. economy, truckers are an essential component in delivering goods from manufacturing and production centers to end users. To help protect the nation’s… more ▶
Directors and Officers: Best Practices to Minimize Lawsuits
February 9, 2021
The directors and officers of a company bear the final responsibility for oversight and management of the company’s business affairs. These stakeholders manage a diverse set of governance challenges and experience significant risks in the discharge… more ▶
Workers’ Compensation Market Predictions 2021
January 26, 2021
Last winter, the world was plunged into a period of deep uncertainty, unpredictability, and instability as the novel coronavirus spread rapidly across the globe. By spring, widespread lockdowns forced businesses to modify operations or… more ▶
EPLI Market in 2021 Shows Increased Risks
January 12, 2021
It has been nearly a year since the first recorded COVID-19 case in the U.S. was announced, and the virus continues to take a devastating toll on the country. In addition to the obvious health impacts, the pandemic has had a tremendous effect on the economy… more ▶
How to Respond to a Data Breach
January 5, 2021
The best way to prevent a data breach is to be prepared for one. Implementing strong cybersecurity measures, maintaining them, and conducting regular updates are critical steps in securing systems. Educating staff about cybersecurity and training them… more ▶
Top 5 Cyber Threats for 2021 and Beyond
December 8, 2020
2020 was a difficult year for businesses around the globe. The coronavirus pandemic caused mass layoffs as the world economy came crashing down. For those business operations that were able to remain operational, a new threat emerged: cyber crimes… more ▶
Cryptojacking: What It Is and How to Prevent It
November 17, 2020
In the digital age, businesses face numerous risks associated with computer and technology systems. Highly publicized data breaches of major corporations have captivated the attention of business leaders; these breaches have also cost billions of dollars… more ▶
Staffing Trends for 2021 and Beyond
November 10, 2020
Staffing agencies throughout the United States could not have predicted the challenges faced by the coronavirus pandemic of 2020. The pandemic created fundamental shifts, not only in how businesses operated, but how employees were protected from infection… more ▶
The Emergence of a New Cyber Threat: “Vishing”
October 30, 2020
As remote employment has grown in popularity for the convenience and efficiency it provides business owners and employees alike, cybersecurity liabilities have equally expanded. With employees connecting to company servers… more ▶
Transportation Industry Increases Diligence and Efficiency to Maintain Viability Amid Pandemic
October 20, 2020
The idea of driving a truck may bring to mind images of the open road and freedom. However, in the wake of COVID-19, the entire transportation sector has been forced… more ▶
How is Force-Placed Insurance Removed?
September 15, 2020
When a bank or other financial institution agrees to extend a loan for financing an automotive or property purchase, that institution faces significant risks. In most cases, buyers are required to obtain insurance to protect the loan. When that insurance is not obtained… more ▶
What is Force-Placed Insurance and What Does it Cover?
September 8, 2020
When a real estate property is financed for purchase, the purchaser is not the only entity with exposure to risk. The lender also faces substantial risks in these transactions. To help manage these risks, a specialized form of insurance known as force-placed insurance… more ▶
Fiduciary Liability: What it is and Why Your Clients Need it
August 11, 2020
Financial institutions that offer employee benefit plans to their workers face significant risks. As the regulatory landscape of banking corporate governance shifts, risk exposures also shift. Litigation related to the management liability of employee benefits programs… more ▶
Staffing Firms: Preventing Retaliation Claims
August 4, 2020
Staffing agencies serve as the conduit between employers and employees. As such, they face a complex landscape of regulatory requirements, including laws that govern employment practices. Employment practices are a hot-button issue, particularly in regard to… more ▶
Common Commercial Bank Risks
July 14, 2020
In every business and industry, there are risk exposures that must be addressed. The banking sector is no exception. Banks and other financial institutions face a wide range of risks, including several unique exposures to this important component of the world economy… more ▶
A Guide to Remote Hiring for Staffing Agencies
July 7, 2020
The COVID-19 pandemic has created powerful and long-lasting effects around the world. In addition to the coronavirus’s health impacts, the economy has suffered, with many people losing their jobs. As the economy begins its recovery, more job seekers are turning to… more ▶
A Closer Look at Directors and Officers Insurance
June 23, 2020
In any corporation, the company’s leadership team is comprised of a group of executives entrusted with managing the business. These leaders must often make difficult decisions that influence the financial stability and growth of a given company… more ▶
The State of the Labor Shortage in the Oil and Gas Sector
March 14, 2020
Although the oil and gas industry is an integral part of global commerce, it may come as a surprise to many that this industry faces significant challenges, including economic downturns, increasing exploration and production costs, and decreased reliance on… more ▶
Claims, Hazards, and Trends in the Oil and Gas Industry
March 3, 2020
The global energy industry is one of the most important parts of the world economy. Consumers and businesses alike depend on the production of oil and gas for transportation, heating, and manufacturing. New oilfields and gas deposits are continually… more ▶
Cyber Liabilities in the Financial Sector
February 24, 2020
Across industries, cyber crimes are on the rise. As businesses shift to digital systems for managing data, personnel, and customer records, cybercriminals have increasingly targeted these systems. The financial sector was especially hard-hit in 2019, with numerous… more ▶
The Risk of Employee Theft and Crime in Financial Institutions
February 11, 2020
Financial institutions around the world face significant risks in their operations – both externally and from within. Employee theft and crime, including fraudulent activities, are believed to be the largest risks banks and other financial services firms face… more ▶
Breaking Down Financial Institution Bonds
February 4, 2020
Financial institutions face many risks in their business operations, including risks that come from both external and internal sources. One of the primary emerging internal risks plaguing the financial services industry is that of employee dishonesty, which can… more ▶
Important Workers’ Compensation Coverage Considerations for 2020
January 21, 2020
Workers’ compensation insurance and other forms of occupational insurance are part of the business landscape for thousands of employers. Typically required by state regulations, these valuable insurance options provide protection for both… more ▶
How Sleep Impacts Workers’ Compensation Claims
January 14, 2020
It’s no surprise that America’s workforce is fatigued. Long hours on the job and the demands of family life have created situations where workers have become overtired. Tired workers are more likely to make mistakes on the job, and these mistakes… more ▶
Workers’ Compensation and Long-Term Occupational Illnesses and Injuries
January 7, 2020
Workers’ compensation and other forms of occupational insurance provide financial support for employees injured in the course and scope of their duties. Nearly every state requires employers to carry some form of this valuable insurance, which is designed to cover… more ▶
Trucking and Fleet Risk Management Strategies
December 17, 2019
Among business operations, trucking companies and fleet management firms face some of the most diverse and dynamic risks. Transportation is inherently risky, with many moving parts coming together to transfer cargo and personnel across the country… more ▶
Distracted Driving: A Rising Issue in Transportation
December 10, 2019
The rise of technologies like mobile computing, onboard navigation, and infotainment systems have given rise to new risks on America’s roadways. Distracted driving is a growing issue across transportation sectors, resulting in billions of dollars in injuries… more ▶
Winter Safety Hazards in the Transportation Industry
December 3, 2019
Winter weather creates unique challenges for the transportation industry. Poor driving conditions, freezing temperatures, and an increased risk of injury are all associated with winter storm activity. The transportation sector already faces numerous risks… more ▶
Challenges in Implementing Risk Management Measures
November 19, 2019
Risk management is a fundamental component of every business or organization. Identifying risk exposures, then creating solutions to help mitigate or reduce those exposures, is an important tactic designed to keep overhead costs in check.… more ▶
Winter Forecast: Workers’ Compensation Claims Likely to Rise
November 12, 2019
The winter months are notorious for presenting extra challenges to business owners. Cold weather brings seasonal risks to employees of any organization, and occupational insurance claims typically rise as a result. While workplace injuries… more ▶
Property Insurance Claims to Be on the Lookout for as Temperatures Drop
November 5, 2019
Property owners face many risks throughout the year. Claims for property damage can occur for any number of reasons, and it is important to understand that some arise during the winter months. Winter weather can wreak havoc on commercial and… more ▶
The Most Important Steps in Developing a Risk Management Plan
October 22, 2019
For any business, risk management is the cornerstone of success. Reducing or eliminating risk exposures helps to drive down overhead expenses, including insurance claims, property loss or damage, and liability… more ▶
Occupational Accidents, Injuries, and Illnesses That Are Not Covered by Workers’ Compensation Insurance
October 15, 2019
Businesses around the world have a duty to their employees to provide safe workplaces free of the hazards that can result in injury. Workplace injuries… more ▶
Risk Management for Welding Operations
October 8, 2019
It should come as no surprise to learn that among industrial and manufacturing processes, welding operations present significant risks, not only to employees but to property, equipment, and other physical business assets. According to the… more ▶
Why Healthcare Risk Management is Crucial
September 17, 2019
In any business environment, managing one’s risks is the key to success. Risk management is the practice of identifying the unique risks inherent in an operation, then taking steps to mitigate those risks. In the healthcare sector, risk management is of the utmost… more ▶
Mental Exhaustion in Healthcare: A Risk Factor for Employees and Patients
September 10, 2019
The healthcare industry continually faces significant challenges as it delivers quality care to millions of patients each year. Some of these challenges are centered on the level of and the complexity of the care provided. Others are directly related to… more ▶
Ergonomic Risk Factors in Healthcare
September 3, 2019
The healthcare profession is an industry with numerous challenges and risks. Among the many risks healthcare providers face in delivering care is the alarming rate of injuries – a rate that surpasses many other industrial occupations that are understood… more ▶
The Most Important Safety Topics for the Transportation Industry
August 20, 2019
The U.S. transportation industry is responsible for moving cargo and people across the country. This business sector is immensely diverse, encompassing such vehicles as trucks, trains, airliners, and passenger cars. Business relies on the safe, efficient… more ▶
Risk Management for Fleets
August 13, 2019
It can be said that the transportation industry is the lifeblood of the American economy. From long-haul trucking operations and cross-country cargo rail to local delivery vans, public transit systems, and for-hire vehicle operators, fleet management is crucial… more ▶
“Burnout” and Other Factors Cause Higher Turnover in the Transportation Sector
August 6, 2019
The trucking industry has long been romanticized in media and movies. Scenes of the open road and the freedom long-haul truckers experience in these fantasies is far different from the reality of the transportation industry. Long hours, crushing boredom… more ▶
Understanding the Fiduciary Duties and Liabilities of Association Board Members
July 16, 2019
The daily operation – the business – of most planned housing developments is managed by a community association or homeowners association (HOA). Most such associations have a board of directors who oversee the management and maintenance of… more ▶
The Importance of a Separate Pollution Liability Insurance Policy for Businesses
July 2, 2019
Throughout the business world, business owners face many risks as they conduct daily operations. For some businesses, particularly those involved in energy production, manufacturing, and transportation industries, the risks of an environmental disaster are… more ▶
The Warning Signs of Fraudulent Workers’ Compensation Claims
June 4, 2019
If an employee is injured in the workplace, workers’ compensation insurance is often the means by which the injured worker can cover the costs associated with lost wages and medical expenses. Workers’ compensation is required by most states, and employers… more ▶
Risk Management Advice for Festivals
May 14, 2019
Across the country each year, festivals bring together hundreds of thousands of people. These festivals can take any number of forms and can include musical performances, arts and crafts, sports, or thrilling spectacles. For the organizers of these festivals… more ▶
Cyber Liability Concerns for Healthcare Facilities
May 7, 2019
It is no secret that technology has transformed the healthcare industry. From patient tracking to developing innovative treatment protocols and managing facility providers, staff, and assets, technology has been behind some of the most dramatic advances… more ▶
The Greatest Risks Currently Facing the Entertainment Industry
April 9, 2019
The entertainment industry is a dynamic place, with diverse projects and aspects that are continually changing. The industry aims to provide inspiration, amusement, and enjoyment to millions of people each year; from movie productions to live… more ▶
Personal Injuries on Community Association Property: When is the Association Liable?
April 2, 2019
In neighborhoods and community developments across the country, homeowners’ associations (HOAs) are tasked with maintaining neighborhood standards. These… more ▶
What Businesses Can Do to Improve Occupational Safety
March 19, 2019
Workplace accidents can occur at any place and at any time. According to the United States Department of Labor’s Bureau of Labor Statistics, there were nearly three million non-fatal workplace injuries and illnesses reported in 2017. While the frequency and… more ▶
Understanding the Liabilities That Come with Event Security
March 5, 2019
Event producers and venue owners know that there are many planning steps in pulling off a successful and safe event. Whether the event is a concert, a street festival, or an athletic competition, many aspects must work together to ensure adequate crowd control… more ▶
Concert Risk Management: Establishing Crowd Control
February 19, 2019
For concert promoters and venue owners, event management is a complex process. To pull off a successful and safe event, the process begins with effective crowd management. Crowd control can be a make-or-break component of events, including concerts… more ▶
Healthcare Professional Liability Costs Are On The Rise
February 5, 2019
Healthcare systems face unique challenges as they deliver medical care to millions of people each year. Healthcare costs are rising – for facilities, caregivers, and patients alike. Among the rising costs is that of professional liability insurance, which has… more ▶
Can Event Insurance Policies Cover Acts of Terrorism?
January 22, 2019
Around the world, events bring people together. Whether these events are a professional sports game, a music festival, or a live art performance, large crowds can be expected. As such, these special events may be a target for acts of terrorism… more ▶
The Effects of the Driver Shortage on the Transportation Industry
January 15, 2019
The world’s economy depends on the timely and safe delivery of goods from manufacturers to consumers. Trucking is the cornerstone of industry; without trucks and drivers, companies are limited in sales, and consumers may have difficulties in obtaining… more ▶
The Greatest Sources of Injury in Welding Operations
January 8, 2019
Among occupations in the construction and manufacturing trades, welding represents one of the most hazardous. The process of joining metal parts together using high-voltage electrical currents or volatile gases and heat is inherently dangerous… more ▶
The Critical Value of Valet-Parking Insurance
December 18, 2018
Once reserved for upscale establishments, valet parking of patrons’ vehicles is now as common as that famous chain with the yellow arches. No longer confined to fine-dining restaurants, exclusive clubs, or resorts and hotels, valet parking is now seen at businesses as… more ▶
Slip-and-Fall Injuries: A Twofold Liability in Healthcare Facilities
December 11, 2018
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… more ▶
How the Rise of Autonomous Vehicles May Affect Transportation and Insurance
December 4, 2018
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… more ▶
What Businesses Need to Know About Pollution Insurance
November 20, 2018
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… more ▶
How Agencies Can Utilize Temporary Staffing During the Holiday Season
November 6, 2018
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… more ▶
The Legal Obligations of a Community Association
October 23, 2018
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… more ▶
The Challenges of Insuring the Transportation Market
October 16, 2018
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… more ▶
What it Means to Insure Financial Institutions
September 4, 2018
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… more ▶
The Most Common Occupational Hazards on Film Productions
August 30, 2018
Film and television production sets are often chaotic places, with dozens or even hundreds of people working together to create a memorable shot. Film sets typically include heavy set pieces and props; in a production for the iconic Star Wars franchise… more ▶
How Film Productions Can Avoid Copyright and Other Suits
August 28, 2018
The world of film production is a chaotic one, with millions of dollars in budgets for individual film projects, thousands of cast members and behind-the-scenes staff, and seemingly endless sources of liability. Movie and television producers have had to fight… more ▶
The Legalities of Temporary Staffing
August 14, 2018
In the world of employment, there are many choices for workers and employers alike. Different classes of employees fill roles in a wide variety of occupations. For those looking for seasonal work or cannot commit to a long-term employment relationship… more ▶
Best Practices for Minimizing Risks at Large Events
July 26, 2018
Every year, millions of people attend large events ranging from music festivals to performance art shows, sporting events, fairs, and concerts. The overwhelming number of these events are conducted without issue, providing entertainment and enjoyment in a safe… more ▶
The Importance of Contingent Liability Insurance
July 24, 2018
Business owners face many risks in the day-to-day operations of their companies. Risk management is a crucial part of any company’s operation, and liability issues can impact a company’s ability to continue doing business. Among… more ▶
Who Stands Liable for Concert or Event Injuries?
July 19, 2018
Around the world, millions of people attend events like concerts, music festivals, fairs, and theater performances. The overwhelming majority of these events take place without incident, but there have been times when tragedy makes an appearance. Highly publicized… more ▶
What to Know About Insuring Subcontractors
July 17, 2018
In the building and construction industry, general contractors often rely on the specialized services provided by subcontractors. Subcontractors typically handle aspects of construction projects like plumbing, electrical, and finish work, among many other… more ▶
The Co-Employment Risk for PEOs
July 12, 2018
Across the country, more and more companies are turning to staffing agencies for their hiring needs. It is estimated that 16% of all small- and medium-sized businesses in the United States outsource some or all of their human resources capabilities to… more ▶
No-Shows: Why Entertainment Insurance Is Necessary
June 28, 2018
It takes a lot of effort and creativity to arrange entertainment events such as concerts, films or plays. That’s why decision-makers need comprehensive insurance on their side should the event need to be canceled due to natural disaster, illness, or a… more ▶
The Laws and Restrictions That Every Music Venue Must Follow
June 26, 2018
Running a music venue might sound freeing, but a few laws and regulations permit the age-old, long-hair-don’t-care environment. If you’re an insurance agent seeking policies for your music-loving client, you should understand the ins and outs of music venues… more ▶
The Biggest Risks for Staffing Agencies During the Hiring Process
June 21, 2018
Professional employer organizations (PEOs), commonly referred to as staffing agencies, are increasingly responsible for the staffing needs of diverse companies. Industry analysts suggest that 16% of small businesses utilize these agencies for… more ▶
Occupational Accident Insurance Could Be the Answer in the “Gig Economy”
May 24, 2018
The workplace in America has shifted in recent years. What used to be a fairly straightforward organization of employers and employees has transformed to a large degree toward on-demand workers coordinated by employers, staffing management agencies… more ▶
How Live Music Venues Can Minimize Their Risks
May 22, 2018
Large events such as professional sporting events, live music concerts, and outdoor festivals draw hundreds of thousands of attendees each year. Event promoters and venues have an obligation to provide a safe experience for attendees, and despite their hard work… more ▶
How Public Liability Insurance Differs from General Liability Insurance
May 17, 2018
Liability coverage is a specialized form of business insurance, designed to cover the policy holder’s legal responsibilities in incidents or events covered by the policy. Business owners in fact have two major types of liability insurance to select from… more ▶
What Goes into an Insurance Program for Entertainment Productions?
May 15, 2018
The entertainment industry faces many unique challenges as companies in this industry produce theatrical productions, films, and live-action events. The risks associated with the entertainment industry vary widely, requiring flexible and comprehensive… more ▶
Breaking Down the Differences Between Occupational Accident Insurance and Workers’ Compensation
May 10, 2018
Companies around the world strive to create safe, productive workplaces for their employees. Despite these initiatives, workplace injuries result in billions of dollars… more ▶
Frequently Asked Questions in the Workers’ Compensation Claims Process
May 8, 2018
Workers’ compensation insurance is designed to provide financial benefits to workers who may become injured on the job. These benefits include payment for lost income, such as when an employee cannot do his or her work and/or when the employee is… more ▶
Does Special Events Insurance Cover Terrorism?
May 3, 2018
Tragic events such as the Boston Marathon bombing in 2013 and the 2017 mass-shooting incident targeting attendees of the Route 91 Harvest music festival in Las Vegas have caused many event promoters to question the need for terrorism insurance… more ▶
The Complex Insurance Needs of a PEO
May 1, 2018
Professional employer organizations, or PEOs, are a human resources solution for a growing number of small businesses in the United States. It is estimated that up to 16% of all small businesses utilize the services of PEOs in managing employee tasks… more ▶
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