Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO also is responsible for more than 400 deaths in America each year, according to the U.S. Centers for Disease Control and Prevention. […]
September 22, 2022
Do General Liability insurance policies cover contractual responsibilities, including coverage for your injured employees, as with an “action over” claim? The answer is “Maybe.” Action Over claims can result in significant and unexpected liability for business owners and these claims may not be covered by the employer’s Commercial General Liability policy. Action-over claims often originate […]
September 19, 2022
Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off your list: the right car insurance. While some auto coverage options are essential whatever the age of your car, new vehicles […]
August 15, 2022
Are pollution and clean-up costs covered under General Liability insurance? The answer is most likely “NO.” Over the years insurance companies have used more restrictive language in their policies to preclude any claim regarding pollution and today most General Liability insurance policies contain an “ABSOLUTE POLLUTION” exclusion, which means there is no coverage for pollution […]
August 2, 2022
Are you responsible for work performed by your subcontractors? Are your assets on the line when you use subcontractors to perform a part (or all) of your work? Contractors and many other types of businesses hire other contractors to perform part or all of their work; this is “business as usual” for a contractor and […]
August 2, 2022
Travel insurance can minimize the financial risks associated with traveling. From accidents to illness to lost luggage, travel insurance has you covered. Vacations are usually an exciting time, filled with anticipation and activity planning. What travelers seldom plan for, however, are events that are a little less sun-and-fun and a little more doom-and-gloom. Interruptions, cancellations, […]
July 11, 2022
Corsages, limousines, too much cologne, and a million and one selfies. That’s right, it’s prom season again! Learn how to keep your teen safe on this milestone night. Prom — a time of exhilaration and celebration for teens eager to get out and enjoy themselves, but a nerve-wracking test of trust for even the most […]
June 13, 2022
May is Skin Cancer Awareness Month. Here are 4 ways you can help to lower your risk of skin cancer while enjoying the sun safely. Warm spring weather is the perfect antidote to the cabin fever that winter often inspires, especially the idea of getting some sun on your face. Though getting some fresh air […]
May 9, 2022
Flood insurance offers a layer of protection for your home that stands up to even the worst natural disasters. Here are some reasons why you should consider adding it to your homeowner’s policy. When natural disasters, accidents, or other property-threatening events strike, homeowner’s insurance helps get your life back on track as soon as possible. […]
April 11, 2022
Employment Practices Liability insurance safeguards businesses against employee lawsuits alleging inappropriate or unfair acts. Even when done unknowingly, violating an employee’s rights can have devastating financial consequences. Employment Practices Liability insurance is not automatically covered under a business liability policy but can be added by endorsement or coverage can be purchased by a separate policy. […]
March 31, 2022