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Business Insurance

Hackers Exploiting Coronavirus

As if you didn’t have enough on your mind, it turns out that hackers aren’t taking any time off during the current pandemic, and as a result COVID-19 isn’t the only virus you need to worry about. The Cybersecurity and Infrastructure Security Agency (CISA), part of the Department of Homeland Security, is advising Americans to…

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Surety Bonds: The Safety Net for Construction Projects

What protects a business from a construction project that doesn’t go as planned? As much as we hope and expect that things will go well and according to contract, occasionally a contractor is unreliable, or even goes bankrupt in mid-project, creating a nightmare scenario for the client. Surety bonds are the safety net that protects…

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New Rate of Pay Rules

For many years, the issue of whether certain employee perks are – or are not – considered income under the Fair Standards Labor Act (FSLA) has been a source of some confusion for employers. Since the “regular rate” of compensation is the basis for calculating overtime, it’s important that employers are accurate. In an attempt…

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The Scene of the Crime: Does Your Business Need Crime Insurance?

“That couldn’t happen to us.” That mindset can cost businesses a lot of money and heartache because bad things do happen, including crimes against your business committed by your own employees. Every day, trusted employees pilfer or embezzle from their employers, and the costs are staggering: a 2017 study estimated an annual price tag of…

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Why COI? Certificates of Insurance

If you run a business, you have more than enough to worry about … your own risk management profile, for one. But when it comes to risk, business owners need to look beyond their own exposures and consider the risks presented by those who are working on their behalf, or working on their property. That’s…

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Commercial Auto Premiums: Factors & Advice

As with any other insurance rates, your commercial auto premiums are based on a number of factors, beginning with a combination of potential risk factors (how much driving occurs, and in which areas) and loss history (actual record of accidents, judgements, etc.). That mix of the past and the future will largely determine your risk…

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Commercial Auto Insurance – Keeping Your Business on the Road

If you run a service company with a fleet of dozens of vehicles, you probably have a solid understanding of the importance of commercial auto insurance. But even businesses with only a few company vehicles will benefit from commercial auto coverage. Following is a brief rundown of the benefits you should expect from commercial auto…

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Back to School – for Consolidated too!

Nearly 80% of the insurance-licensed staff here at Consolidated hold at least one insurance designation, and many hold more than one. From well-known certifications like CIC (Certified Insurance Counselor), ACSR (Accredited Customer Service Representative), CLCS (Commercial Lines Coverage Specialist), CAWC (Certified Authority on Workers’ Compensation), CISR (Certified Insurance Service Representative), and AAI (Accredited Advisor in …

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Commercial Fire Coverage

There’s no good time or place for a fire, but a fire at your place of business can be especially costly. In many cases the costs associated with the physical damages and restoration take a backseat to the costs of the interruption to business activities. Income can very quickly slow to a trickle or stop…

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Zenjuries: Your Workers’ Comp Solution

We’re always on the lookout for resources that help our clients better manage any kind of risk, because being in control of your risk profile helps you to tell a better story to insurers. Many businesses would agree that the world of workers’ compensation insurance is among their biggest headaches. The paperwork, regulatory requirements and…

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