Risk Management | Consolidated

Civil Unrest and Your Business

As civil unrest has unfolded across the country with some protests turning to violence and destruction, business owners have good reason for concern, especially as many are just beginning to recover from the economic effects of the coronavirus pandemic. There are steps you can take to protect your business in these unpredictable situations. Here are…

Return to Work Plans Following the COVID-19 Pandemic

The coronavirus (COVID-19) pandemic has interrupted many businesses across the country. While it’s unclear how long COVID-19 will continue to affect organizations, many employers are looking to the future of employees returning to work. In preparation for reopening your business and asking employees to come back to work, it’s imperative that your company thoughtfully constructs…

MyWave Connect – What’s That?

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…

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…

Commercial Auto Premiums: Factors & Advice

As with any other insurance rates, your commercial auto premiums are based on a number of factors, beginning with a combination of potential risk factors (how much driving occurs, and in which areas) and loss history (actual record of accidents, judgements, etc.). That mix of the past and the future will largely determine your risk…

Back to School – for Consolidated too!

Nearly 80% of the insurance-licensed staff here at Consolidated hold at least one insurance designation, and many hold more than one. From well-known certifications like CIC (Certified Insurance Counselor), ACSR (Accredited Customer Service Representative), CLCS (Commercial Lines Coverage Specialist), CAWC (Certified Authority on Workers’ Compensation), CISR (Certified Insurance Service Representative), and AAI (Accredited Advisor in …

Oh, Deer! Avoiding – and Dealing With – Animal Collisions

Of all the hazards we encounter in our daily driving, the behavior of deer and other wildlife might be the most unpredictable. Wild animals can move quickly and in seemingly random directions, and encounters with moving vehicles happen all too often. The good news is that collisions between vehicles and deer were down slightly nationwide…

A Home Inventory – Why You Need One and How to Do It

We hope that you’ll never lose any of your valued possessions to fire, theft, storm damage or some other catastrophe. But under the heading of “expect the best and prepare for the worst,” you should take the time to create a home inventory just in case. A thorough and well-documented inventory will save you quite…

Commercial Fire Coverage

There’s no good time or place for a fire, but a fire at your place of business can be especially costly. In many cases the costs associated with the physical damages and restoration take a backseat to the costs of the interruption to business activities. Income can very quickly slow to a trickle or stop…

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…