Liability Insurance
What Liability Exposures Do Your Organization Face?
Almost every organization faces commercial liability exposures. A commercial liability loss exposure is a condition or situation that presents the possibility of an organization becoming legally and financially responsible for injury, harm or damage to another party. These exposures stem from the kind of work an organization performs and where that work is executed. They…
Read MoreContractors – do you know how to insure your project?
Not long ago, owners, general contractors, subcontractors, architects and engineers on large construction projects all had separate general liability insurance. On-site contractors also secured their own workers’ compensation insurance. According to the International Risk Management Institute, all these insurance coverages added about 6% to the total project cost. Often, project participants were confused about who…
Read MoreLook Up….Look Out!
Prevent Falling Merchandise! Objects falling from above can pose a serious danger, and you are at increased risk when merchandise is stored above you. Don’t think you are at risk? Consider the following incidents: A warehouseman was paralyzed after 400 pounds of cardboard slid off a rack that was bumped by a lift truck. A…
Read MoreSupply Chain Risk Management
While lean production has become a cornerstone of successful supply chain management and a way for businesses to stay flexible and responsive to changing tastes in their markets, the dependence on and relationship with suppliers resulting from outsourcing and minimizing stock creates a host of exposures. Successfully navigating and managing the risks presented by a…
Read MoreElevators…lots of ups and downs!
Elevators have come a long way in the past few decades, largely due to advancements in electronics and the addition of computer monitoring. They are no longer simple pulley systems capable of being maintained and repaired by the average technician. If an elevator in your building requires maintenance, chances are you’ll need to hire a…
Read MoreLet us tailor a policy for you!
Clothing manufacturers have faced complicated challenges over the past few years. Supply chain interruptions, cargo theft and new workplace safety demands have drastically changed the standard insurance portfolio for clothing and textile producers. Here, we’ll look at the basics and some of the specialized products you should consider. Commercial general liability insurance is the baseline…
Read MoreCovered on Campus – Protecting Your College Student!
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…
Read MoreAn Empty Building is Full of Risks
Whether for reasons of financial difficulty or otherwise, your business may carry a number of vacant properties. When determining what kind of risk management efforts are necessary, it may seem that compared with managing a fully functioning commercial building, it would have substantially fewer hazards. There is less traffic, and therefore less liability—right? In reality,…
Read MoreKeep Your Retail Customers Safe!
Customer personal injury claims can be costly and very damaging to a retail establishment’s reputation. They can be much more frequent than employee claims in some types of stores, especially warehouses that allow customer access. Employee safety programs are not sufficient to protect customers, who are at risk for many more accidents than employees for…
Read MoreAssemble an Insurance Program for Your Manufacturing Business!
Whether you fabricate parts, assemble finished products, or build machinery from start to finish, your manufacturing business has risks at every stage of production. Your structures, employees, networks, inventory and financial assets need protection even long after your products have left the building. A comprehensive suite of insurance policies can guard your company from financial…
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