Liability Insurance

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…

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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…

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Being Uber-Careful: Who’s Responsible?

Few businesses have had the widespread impact of the ride-sharing industry. Marrying the GPS and mapping function on every smartphone with a platform for payment, companies like Uber and Lyft are responsible for declines of up to 30 percent in taxi usage. Most agree that the convenience of ride-sharing has reduced incidences of driving while…

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Wait – that accident wasn’t my fault! Know your rights as a claimant.

If you have an auto accident where you are at fault, your insurer covers the damages under the terms of their contract with you, and that coverage is subject to the terms and conditions of that contract. However, what many people do not understand is how that scenario changes when the other driver’s insurance is…

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Considering a New Car?

Beyond the sale price, insurance is one of the most important financial questions to consider before buying a new car. Most states require individuals to purchase insurance coverage to drive legally. Auto insurance can be divided into two basic coverage areas: liability and property damage. When shopping for auto insurance, premium quotations are a useful…

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Cyber-Liability: Taking a Byte Out of Your Exposure

If the recent WannaCry ransomware epidemic didn’t get your attention, it should have. In case you missed it somehow, this malware outbreak affected more than 200,000 users in over 150 countries. Hospitals were unable to access patient records, some businesses remained closed in order to avoid exposure … and some early estimates put the total…

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When It Comes To Your Reputation

Most businesses want to shop the insurance marketplace at renewal time to make sure they’re getting the most competitive terms & conditions. But are you actually doing more harm than good by shopping in the traditional model? We addressed this topic in a recent blog post (read it here) and explained why regular shopping may…

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What You Need, When You Need It

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…

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Personal Risk Assessments – Seeing the Whole Picture

If you’re like most people, the last time you took a close look at your personal auto coverage was when you purchased a new vehicle or added a new driver. And most likely, your homeowner’s policy was last reviewed when you bought or refinanced your home. And those were probably two separate discussions. We prefer…

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Business Owners – Does Price-Shopping Cost You Money?

For many companies, shopping insurance coverage annually seems to be simple due diligence. After all, insurance is a significant expenditure, so each year you invite your current broker to re-quote and also bring in new faces to make sure everyone’s using their sharpest pencil. That’s how you make sure you’re getting the very best pricing.…

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