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Education Blog

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

Is Your Vehicle Ready for Winter Weather?

January 16, 2024

Winter is here with cold temperatures, fog, snow and ice. Now is the time to prepare your vehicle for hazardous conditions and treacherous driving. Try these 6 tips to be ready: 1. Ensure fluids are at the proper levels Check your antifreeze levels and ensure it’s rated for the temperatures in your area of the…

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10 Benefit Trends To Know in 2024

January 11, 2024

When it comes to employee benefits, no year is ever the same. But recent years have made “different” seem like a vast understatement. Expect more changes in 2024 as economic uncertainty and emotional burnout affect employee health and finances. Other driving forces will stem from generative artificial intelligence (AI), evolving workplace expectations, labor market fluctuations…

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Make Sure Your Frame Construction Project Is Picture Perfect

January 9, 2024

A building’s frame is an integral component of structural integrity. While several techniques exist for frame construction, under ISO Construction Class 1, frame construction refers to buildings with combustible exterior walls, floors and roofs, or buildings with noncombustible or slow-burning exterior walls with combustible floors and roofs. It’s typical for the exterior walls to be…

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Diamonds Are a Girl’s Best Friend: Insurance for Valuables

January 4, 2024

Jewelry is one of the world’s oldest archaeological artifacts, having been used for centuries across cultures to mark social status, store wealth and symbolize personal meaning. In the 21st century, it’s common to own designer jewelry collections, engagement and wedding rings, and antique heirlooms. But whether a Rolex watch, an engagement ring or grandma’s authentic…

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What Is Supply Chain Interruption Insurance?

January 2, 2024

A business supply chain is generally organized into three primary parts, or links, all of which can suffer interruption and cause financial loss to others in the product flow: The parties and processes involved in getting raw materials or components to a manufacturer The manufacturing process itself The distribution of goods for eventual sale to…

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Get There Safely: Winter Driving Hazards

December 28, 2023

In the United States, motor vehicle crashes are a leading cause of death for people ages one to 54. In 2022 alone, about 42,795 people died in motor vehicle traffic crashes, according to the National Highway Traffic Safety Administration (NHTSA). Driving during the holidays or over a holiday weekend increases your odds of being in an…

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Local Freight Trucking Has Specific Insurance Needs

December 26, 2023

The nation’s local freight trucking industry topped $99.5 billion in revenue in 2022, according to a November 2023 report from IBISWorld. Even with 10% average market growth each year from 2017 to 2022, plenty of upside potential still exists. Consumers are demanding fast delivery and the barriers to market entry are relatively low for small-scale owner-operators.…

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Special Events Mean Special Attention To Coverage

December 19, 2023

If you own or run a business, sponsoring and participating in special events are great ways to support your local community. Good intentions won’t protect you from liability, however, if someone gets hurt or suffers property damage during a street festival, art show, outdoor concert or other event you or your employees may be involved…

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Using Your Employee Benefits To Combat the Winter Blues

December 14, 2023

The drop in temperatures can also mean a worrisome drop in employee moods. In a survey by the workplace consultancy Peldon Rose, half of individuals said that winter has a negative impact on how they feel at work, and one-third said it decreases their productivity. But your employee benefits and accompanying workplace initiatives can be…

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Manage Subcontractor Default Risk

December 12, 2023

The success of any construction project depends on hiring qualified subcontractors and making sure they can finish the job on time and within budget. Too many construction projects have gone bad due to subcontractor problems, whether it’s scheduling issues, lack of skilled labor, financial difficulties or a contract dispute. You can take steps to avoid…

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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.