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Liability Insurance

Common Types of Construction Insurance

As contractors, it’s important to understand what types of insurance your business should have and why. You work hard – make sure you’re properly covered for unforeseen circumstances that could harm your business. Check out this list of recommended insurance policies: Workers’ compensation—Workers’ compensation covers work-related employee injuries or illnesses. While injuries are infrequent, they…

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Risk Exposures for Landscaping Companies

Creating beautiful outdoor areas can be rewarding work, but running a landscaping business also brings its challenges. Besides obvious concerns like the weather, landscape contractors need to consider their risk exposures. While some of these are similar to those encountered by other contractors, landscaping also has its own set of unique risk exposures. Let’s take…

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Covered on Campus – Protecting Your Student at College

It’s the time of year when we start sending our children off to college, and there are seemingly hundreds of details to be attended to, from class schedules to roommates to new computers to be purchased. Add in the emotion of the moment (especially if it’s the first time) and it can all be a…

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Storm damage? What’s covered?

Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property. Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your…

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Commercial General Liability Insurance Trends

The general liability market has consistently underperformed for insurance carriers in recent years. As claims have increased in frequency and severity, insurance carriers have responded by tightening underwriting standards, deploying less capacity and seeking rate increases. Despite recent trends, carriers have begun to see some improvement in general liability results. In 2022, it’s predicted that…

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Boating – Keep it Fun and Safe!

National Safe Boating Week is May 21 – 27, 2022. This is a good time to review some basic safe boating practices and bring awareness to all who enjoy the water. The following are a few bullet points to keep in mind: Do not drink and operate a boat. According to the National Safe Boating…

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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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