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We pride ourselves in having a high level of insurance acumen and have a passion to share our experience with clients. Here you can find informative articles on insurance, safety, and risk for you, your family, or your business. Each article includes a link for you to share with anyone who may benefit.

Education Blog

Check out our Education Blog for articles on insurance, safety and risk for you, your family or your business.

Boating – Keep it Fun and Safe!

May 18, 2022

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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Workers’ Compensation: The Importance of Processes

May 4, 2022

“Trust the process,” goes the saying. That’s especially true when it comes to the topic of workers’ compensation (WC). Often perceived as costly and confusing, WC can make employers feel as if they’re not in control. There are steps companies can take to positively influence WC outcomes, though. Let’s take a look: More Safety Equals…

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Cyber Liability Insurance: More than Ransomware

May 3, 2022

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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Commercial Auto Premiums – can you control them?

April 29, 2022

Commercial auto insurance rates are based on several factors – some you can control and others that you can’t! Frequency and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type, and deductibles are all variables dictating your premiums. This means that while your company’s inherent level…

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General Liability Insurance – Your Company’s Defense

April 26, 2022

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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HR Hotline – Real People, Real Answers

April 22, 2022

In a recent post we discussed our HR and Compliance Portal, our online portal for convenient access to resources on safety, compliance and much more (read about it here). While this portal is a vast and searchable resource, sometimes you need a little personal guidance, especially when it comes to matters of Human Resources. Chances…

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Employee Benefits – Make it Personal

April 21, 2022

Each workforce is comprised of unique individuals with diverse backgrounds and interests. So why opt for a one-size-fits-all benefits package? Instead, consider providing benefits options that are as unique as your employees. Doing so could be the attraction and retention tool that sets your workplace apart. In fact, 73% of employees said having customized benefits…

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Surety 101: The Who and the What of Surety Bonds

April 19, 2022

You won’t get too far into any discussion of construction work without the issue of surety bonds coming up. The concept of suretyship is both extremely common and widely misunderstood, and sometimes confused with traditional insurance. Let’s take a look at what exactly a surety bond is, who’s involved and what their roles are. A…

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A Supervisor’s Role in Workers’ Compensation

April 12, 2022

Supervisors play an essential role in ensuring a company’s efficiency and success. They are responsible for handling the everyday situations that help a business remain functional. Further, supervisors are also an integral part of workplace safety programs. Such programs utilize risk management techniques to keep employees safe on the job, thus reducing workers’ compensation costs.…

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Splash! How’s the coverage on your PWC?

April 7, 2022

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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Consolidated provides this information for general informational purposes. Nothing on this page is intended to constitute legal advice or to address specific risk management situations. Consolidated is not responsible for any errors or omissions in these entries, nor in the source materials used to create them.

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