News and Articles—All News and Articles



article image 1-28-22.jpgHow 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 ▶


article image 1-18-22.jpgHow 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 ▶


article image 1-12-22.jpgConstruction 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 ▶


article image 12-26-21.jpgThe 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 ▶


article image 12-14-21.jpgHow 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 ▶


article image 12-7-21.jpg2022 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 ▶


article image 11-29-21.jpgRetaining 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 ▶


article image 11-15-21.jpgWhy 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 ▶


article image 11-8-21.jpgAddressing 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 ▶


article image 11-3-21.jpgA 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 ▶


article image 11-1-21.jpgWhat 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 ▶


article image 10-12-21.jpgPreventing 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 ▶


article image 10-5-21.jpgA 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 ▶


article image 9-21-21.jpgHow 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 ▶


article image 9-14-21.jpgComprehensive 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 ▶


article image 9-7-21.jpgCritical 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 ▶


article image 8-24-21.jpgCOVID 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 ▶


article image 8-17-21.jpgWhat 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 ▶


article image 8-3-21.jpgOil 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 ▶


article image 7-28-21.jpgEverything 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 ▶


article image 7-20-21.jpgCommunity 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 ▶


article image 7-6-21.jpgCommon 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 ▶


article image 6-22-21.jpgPromoting 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 ▶


article image 6-15-21.jpgThe 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 ▶


article image 6-9-21.jpgIs 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 ▶


articles image_112.jpgState 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 ▶


articles image_113.jpgSPAC 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 ▶


articles image_111.jpgSpotlight 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 ▶


articles image_114.jpgLesser 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 ▶


articles image_0110_0.jpg

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 ▶


articles image_0109_1.jpgWorkers’ 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 ▶


articles image_0108_2.jpgArtificial 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 ▶


articles image_0107_3.jpgHow 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 ▶


articles image_0106_4.jpgCommon 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 ▶


articles image_0105_5.jpgWorkers’ 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 ▶


articles image_0104_6.jpgStaffing 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 ▶


articles image_0103_7.jpgCyber 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 ▶


articles image_0102_8.jpgHow 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 ▶


articles image_0101_9.jpgTruckers 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 ▶


articles image_0100_10.jpgDirectors 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 ▶


articles image_0099_11.jpgWorkers’ 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 ▶


articles image_0098_12.jpgEPLI 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 ▶


articles image_0000_110.jpgHow 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 ▶


articles image_0094_16.jpgTop 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 ▶


articles image_0092_18.jpgCryptojacking: 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 ▶


articles image_0091_19.jpgStaffing 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 ▶


articles image_0090_20.jpgThe 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 ▶


articles image_0089_21.jpgTransportation 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 ▶


articles image_0086_24.jpgHow 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 ▶


articles image_0085_25.jpgWhat 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 ▶


articles image_0083_27.jpgFiduciary 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 ▶


articles image_0082_28.jpgStaffing 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 ▶


articles image_0080_30.jpgCommon 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 ▶


articles image_0079_31.jpgA 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 ▶


articles image_0078_32.jpgA 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 ▶


articles image_0068_42.jpgThe 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 ▶


articles image_0067_43.jpgClaims, 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 ▶


articles image_0066_44.jpgCyber 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 ▶


articles image_0065_45.jpgThe 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 ▶


articles image_0064_46.jpgBreaking 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 ▶


articles image_0063_47.jpgImportant 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 ▶


articles image_0062_48.jpgHow 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 ▶


articles image_0061_49.jpgWorkers’ 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 ▶


articles image_0060_50.jpgTrucking 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 ▶


articles image_0059_51.jpgDistracted 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 ▶


articles image_0058_52.jpgWinter 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 ▶


articles image_0057_53.jpgChallenges 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 ▶


articles image_0056_54.jpgWinter 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 ▶


articles image_0055_55.jpgProperty 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 ▶


articles image_0054_56.jpgThe 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 ▶


articles image_0053_57.jpgOccupational 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 ▶


articles image_0052_58.jpgRisk 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 ▶


articles image_0051_59.jpgWhy 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 ▶


articles image_0050_60.jpgMental 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 ▶


articles image_0049_61.jpgErgonomic 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 ▶


articles image_0048_62.jpgThe 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 ▶


articles image_0047_63.jpgRisk 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 ▶


articles image_0046_64.jpg“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 ▶


articles image_0045_65.jpgUnderstanding 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 ▶


articles image_0044_66.jpgThe 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 ▶


articles image_0041_69.jpgThe 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 ▶


articles image_0039_71.jpgRisk 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 ▶


articles image_0038_72.jpgCyber 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 ▶


articles image_0036_74.jpgThe 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 ▶


articles image_0035_75.jpgPersonal 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 ▶


articles image_0034_76.jpgWhat 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 ▶


articles image_0033_77.jpgUnderstanding 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 ▶


articles image_0032_78.jpgConcert 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 ▶


articles image_0031_79.jpgHealthcare 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 ▶


articles image_0030_80.jpgCan 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 ▶


articles image_0029_81.jpgThe 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 ▶


articles image_0028_82.jpgThe 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 ▶


articles image_0027_83.jpgThe 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 ▶


articles image_0026_84.jpgSlip-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 ▶


articles image_0025_85.jpgHow 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 ▶


articles image_0024_86.jpgWhat 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 ▶


articles image_0022_88.jpgHow 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 ▶


articles image_0021_89.jpgThe 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 ▶


articles image_0020_90.jpgThe 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 ▶


articles image_0019_91.jpgWhat 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 ▶


articles image_0018_92.jpgThe 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 ▶


articles image_0017_93.jpgHow 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 ▶


articles image_0016_94.jpgThe 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 ▶


articles image_0015_95.jpgBest 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 ▶


articles image_0014_96.jpgThe 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 ▶


articles image_0013_97.jpgWho 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 ▶


articles image_0012_98.jpgWhat 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 ▶


articles image_0011_99.jpgThe 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 ▶


articles image_0010_100.jpgNo-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 ▶


articles image_0009_101.jpgThe 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 ▶


articles image_0008_102.jpgThe 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 ▶


articles image_0007_103.jpgOccupational 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 ▶


articles image_0006_104.jpgHow 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 ▶


articles image_0005_105.jpgHow 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 ▶


articles image_0004_106.jpgWhat 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 ▶


articles image_0003_107.jpgBreaking 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 ▶


articles image_0002_108.jpgFrequently 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 ▶


articles image_0001_109.jpgDoes 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 ▶


articles image_0000_110.jpgThe 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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How HOAs Can Minimize Risk

December 12, 2022 | HOAs must contend with numerous risks to their operations. Implementing a comprehensive risk management plan addressing potential losses and… more ▶

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Who Needs Force-Placed Insurance?

December 1, 2022 | Financial institutions that fund home loans often maintain strict standards for borrowers. In addition to the initial criteria applicants must meet… more ▶

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Risk Management for Holiday Gatherings

November 28, 2022 | Holiday gatherings are fun for employees to enjoy socialization off the clock. It’s an annual tradition, but it also comes with various risks… more