Skip to content

Liability Insurance

The Hard Market: What Can You Do?

In a previous post we covered the factors leading to the current ‘hard market’ in the insurance industry (read it here). Essentially, this year has seen an overall tightening of the market, with premiums going up and insurers less willing to take on new risks. The factors resulting in the current state of affairs are…

Read More

Why Do I Need Personal Umbrella Liability Insurance?

Here’s an example of an all too common scenario we rarely think about: After a hectic work week, Jim was looking forward to a relaxing weekend with his wife and kids. He was just a few blocks from home when his cellphone rang. He glanced down to see who was calling. That split-second distraction was…

Read More

Auto Coverage: Why Raise Your Limits?

You already know that automotive insurance is a must-have, required by law, with specific coverage limits that vary from state to state. The problem is that many drivers stop right there at those bare minimums, which can leave them in a bad place in the event of a serious accident. For example, Maryland drivers must…

Read More

Homeowner’s Coverage – The Things that Affect Your Premium

The cost of any insurance coverage is the result of a number of risk factors. In other words, the more likely you are to have a loss in the eyes of an underwriter, the more your coverage will typically cost. With auto coverage, as one example, you can control some of those risk factors by…

Read More

Credential Stuffing: The Path of Least Resistance for Hackers

With all the high-profile hacking and ransomware incidents in the news lately, from Baltimore City’s ransomware woes to Atlanta losing eight years’ worth of body-camera video, you’re probably wondering what steps you can take to insulate your company and yourself. The answer begins with understanding how many hackers operate. You might picture a hacker hunched…

Read More

Need a Certificate of Insurance?

It’s happened to every business … you’re working after hours, and you really need a certificate of insurance to wrap up the paperwork and bring in a new client. But your insurance broker is closed. Or an employee needs a new Auto ID card on a weekend, and all you can do is add it…

Read More

Renovation and Risk: Insuring Your Improved Home

Planning a home renovation project is exciting and sometimes stressful, with so many choices to be made: cabinet styles and finishes, flooring, countertops, hardware, paint … the list goes on. Many people miss one very important step, however … your homeowner’s coverage may need a little improvement as well. First, begin with the end in…

Read More

Clearing the Air about Pollution Insurance

Pollution insurance? Who needs it? If you’re just about any type of contractor, you probably do. The word “pollution” conjures up images of huge smokestacks belching contaminants into the air, or factories draining waste into nearby bodies of water. That’s not us, you say. But change the word “pollution” to “contamination” and you begin to…

Read More

Making Your Day Easier

At Consolidated Insurance, our belief has always been that we best serve our clients as not just a broker, but as a partner in helping their businesses better manage their risk. To that end, we’re proud to re-introduce MyWave Connect, a time-saving online resource that puts clients in control of customized compliance information and much…

Read More

Employment Practices Liability Insurance (EPLI)

In recent posts, we’ve focused on preventing workplace harassment claims and on addressing harassment claims when they do occur. The reality of today’s business climate is that claims regarding sexual and other types of workplace harassment are more frequent than ever. And that’s just the beginning: firms are increasingly vulnerable to litigation on a range…

Read More
Skip to content