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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.

Trampolines: Liabilities and Safety Precautions

April 14, 2021

Getting the kids outside and away from their electronic devices is a worthy goal for any parent. And after this past year, with most children doing their learning at home, the temptation to chase them outdoors has probably never been greater. Maybe that’s why sales of backyard trampolines continue to grow. If you have a…

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Commercial Auto Insurance Trends for 2021

March 25, 2021

If your company has vehicles on the road, you’ve probably experienced premium increases even if you’ve maintained a good safety record. In some cases those rate increases have reached double-digit percentages, a frustrating state of affairs for any organization. The central issue is that the commercial auto segment has been unprofitable for insurers for much…

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More Hackers to Worry About: Ransomware-as-a-Service

March 18, 2021

The huge spike in ransomware attacks on businesses over the last year has multiple causes, many rooted in the pandemic. Plenty of businesses scrambled to set up a work-from-home (WFH) model in a big hurry, leaving a trail of security flaws. There have been ample social-engineering opportunities for hackers also, ranging from phony texts about…

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Auto Theft: Business is Booming

February 23, 2021

The pandemic has had wide-ranging effects on the economy, with some industries like restaurants and hospitality struggling greatly while others have actually seen improvements. Unfortunately, one sector that had a very big year was auto theft. Vehicle theft has been trending downward in recent years, but the National Insurance Crime Bureau (NICB) reports a surge…

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Deepfakes: What They Are and Why Your Business is at Risk

February 10, 2021

If you’ve recently scrolled through your Facebook feed and been startled to see a famous movie scene, but with your friend’s face in place of the actor, you have an idea of what deepfake technology can do. A deepfake is essentially a sophisticated forgery of an image, video or audio clip, done using artificial intelligence…

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And the Verdict is … Expensive.

January 25, 2021

The National Law Journal recently released its list of the Top 100 Verdicts of 2019, “Top 100” referring to the dollar value of the awards. The list should capture the attention of every business owner, especially those in higher-risk verticals. Divided into categories including construction, manufacturing, premises liability and motor vehicle accidents, the Top 100…

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Winter Safety: Driving

January 19, 2021

Losing control of a car is undoubtedly one of the most frightening experiences behind the wheel. Unfortunately, it is a potential side effect when the temperatures turn frigid and the roads get slick with ice or snow. One of the most dangerous winter driving hazards is skidding, which, at high speeds, could result in a…

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Temporary Rules for FSAs

January 6, 2021

Unlike the first coronavirus relief legislation, the CARES Act, the new bill signed into law on December 27 includes not only stimulus payments to offset the effects of the pandemic but general funding for the federal government for the coming fiscal year. Hence its name: The Consolidated Appropriations Act. In addition to the hotly debated…

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The Hard Market: What Can You Do?

December 15, 2020

In a previous post we covered the factors leading to the current ‘hard market’ in the insurance industry (read it here). Essentially, this year has seen an overall tightening of the market, with premiums going up and insurers less willing to take on new risks. The factors resulting in the current state of affairs are…

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WHY is it a “Hard Market”?

December 10, 2020

By now you might have heard that in the always cyclical insurance industry, this year has marked the return of a ‘hard market.’ Also called a seller’s market, a hard market essentially boils down to a more difficult proposition for insureds: premiums are higher, underwriters have less appetite for taking on new risks, and there’s…

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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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