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Liability Insurance

Cyber Liability Insurance: More than Ransomware

When you think of cyber liability coverage for your business, you probably think of ransomware attacks, and with good reason: Ransomware incidents have spiked over the past few years, as have the associated costs. In many cases the actual ransom amount, steep though it may be, pales in comparison to the associated costs of recovery…

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General Liability Insurance – Your Company’s Defense

Even in the most well-run businesses, incidents happen. Whether these incidents result in property damage, bodily injury or both, they can be costly for businesses to deal with. As such, it is important for your business to be covered for a variety of possible risks. A commercial general liability (CGL) policy protects your business from…

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Splash! How’s the coverage on your PWC?

What is PWC Coverage? Personal watercraft coverage (PWC) may cover the following: Bodily injury to yourself, another rider, or swimmer injured in your path Property damage to items such as docks, other PWCs or boats Guest passenger liability Medical payments Theft of your PWC A typical policy will include a $250 deductible for property damage,…

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Cyber Security for Small Businesses

Despite significant cyber security exposures, 85% of small business owners believe their company is safe from hackers, viruses, malware or a data breach. This disconnect is largely due to the widespread, albeit mistaken, belief that small businesses are unlikely targets for cyber attacks. In reality, data thieves are simply looking for the path of least…

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Background Checks: Security for the Security Industry

Employee background checks are a vital tool in many industries, especially those dealing with sensitive data or financial matters. When your business is ensuring the security of other businesses, though, the exposures get even greater and background checks become even more important. Roughly 10 percent of job applicants across all industries have a criminal record…

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Spreading Your Wings Again: Travel Insurance Basics

As we continue to hope that the rest of 2022 will bring a gradual return to normal, many are beginning to plan to travel again. It’s important to remember, though, that even aside from the ever-changing travel restrictions related to COVID, things can and do go wrong with travel. Travel insurance can help to protect…

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Look Out Below – Avoiding Falling Object Hazards

Manufacturing work can be hazardous under any circumstances, but when other work is being done overhead there’s a new dimension of risk. Here’s a quick rundown of guidelines to avoid injury from falling or flying objects in a manufacturing facility. The first and best idea is to arrange schedules so that when overhead work is…

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24/7 Certificates of Insurance!

Now, more than ever, businesses need access to their insurance information 24/7. 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…

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Risk Exposures for Janitorial and Cleaning Services

Running a commercial janitorial or cleaning service might seem like a fairly simple proposition. You show up at other businesses, clean them, and leave. As with any business doing physical work, there’s the risk of workers compensation claims from injured employees. But there are also risk exposures you might not have considered, exposures that could…

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Avoiding Customer Injury in Retail Settings

If you own or manage a retail establishment, a major source of liability exposure is the risk of injury to your customers. Unlike your employees, customers receive no safety training, and their ages can run the gamut to include those who are most prone to injury, children and the elderly. Here’s a look at what…

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