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15 Mar, 2022

Professional Liability

Increasingly, professionals and certain occupations need special insurance protection as they are targeted by lawsuits. This is due to the high standard of accountability under which they operate.
15 Feb, 2022

Worker Safety

In Worker Safety, Overview we discussed the importance of addressing slips and falls by employees. In this part begin sharing examples and ways to improve dangerous situations.
10 Feb, 2022

Worker Safety, Avoiding Dangers

A major element that defines whether a person is an employee is if their time and actions are under control of another party. Since employers control where and when their employees work, they have a major obligation to make sure they are provided with a work environment that is safe.
01 Feb, 2022

Commercial Auto Symbols

Have you ever, during a particularly wild moment, closely examined the insurance policy that covers your business vehicles? If so, you may have noticed the little numbers that appear next to each listed coverage. Hopefully you're familiar with these numbers and their meaning. If not, please see below.
25 Jan, 2022

Policy Insurance Limits

If you examine the insurance policy covering your business, you'll see an insurance limit. For instance:
20 Jan, 2022

Contractual Liability

A business that harms another party or damages/destroys property that belongs to another party may be sued or prosecuted. Larger businesses protect against their liability to third parties with a Commercial General Liability (CGL) policy. An insurance company provides a CGL under some assumptions about the type of losses it is willing to cover.
18 Jan, 2022

Employee or Independent Contractor?

Business owners have a lot at stake when determining whether persons connected with their ventures are employees or independent contractors. The largest issue with making this determination involves taxes and insurance.
09 Dec, 2021

Be A Common-Sense Host

Holidays and special events often include celebrations that bring together families and friends in homes across the country. Food, fun, conversations and spirits flow generously. Unfortunately, such celebrations may be accompanied by injuries and accidents, especially when alcoholic drinks are involved. Increased drinking leads to an increased chance for a personal tragedy and the consequences can be substantial.
07 Dec, 2021

Certificates Of Insurance

Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect the coverage provided by a particular insurance policy. Therefore, requests to "endorse the certificate of insurance" are inappropriate and misleading. A certificate is a separate document that is used to comply with a common contract requirement to verify certain types and amounts of insurance.

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