Most people do not realize that their General Liability insurance specifically excludes damages or injuries due to pollution. Pollution is defined as “any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned, or reclaimed. “ Here are some claim examples […]
August 21, 2019
We’re not quite sure where summer went, but if you haven’t noticed, it’s already time to think about the new school year. And as you think about how to get your kids organized and ready, consider doing the same thing for something else — your home. It won’t just be good for you; in many […]
August 1, 2019
There’s perhaps no organizing task more daunting than the garage—it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How do you know you’ve got a problem? Maybe you’ve noticed it’s getting harder and harder just […]
July 15, 2019
Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You want to choose a destination that is fun for everyone, including the kids. You want to ensure they’re […]
June 26, 2019
Spring is here, which means you’ll likely see more motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not accustomed to looking for them. It’s obvious yet bears repeating: Motorcyclists are much more vulnerable than car and […]
June 5, 2019
EMPLOYERS: BEWARE! Employment related lawsuits are a growing concern for employers. The most common employment related lawsuits today are: Wrongful termination Discrimination Sexual Harassment DID YOU KNOW that these types of claims are NOT covered under your standard General Liability insurance policy. In our increasingly litigious society, the threat of a lawsuit is always there, […]
May 29, 2019
ATTN: CONTRACTORS PAYING PREVAILING WAGES: Are Prevailing wages and high Workers Compensation insurance premiums hurting your bottom line? Are they preventing you from being competitive in your bidding process? Are you aware of the premium discount program available to contractors such as you who are forced to pay high wages due to job prerequisites and […]
May 29, 2019
With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip for seven consecutive years now, according to the National Marine Manufacturers Association. Fortunately, the number […]
May 15, 2019
“What really makes a teacher is love … for it is love that transforms the social duty of the educator into the higher consciousness of a mission.” Almost everyone has a story about a teacher who inspired them—the one who made learning fun, ignited a passion for a specific topic, or even pushed students hard […]
May 1, 2019
On April 22, the 49th annual Earth Day is expected to include more than 1 billion people in nearly 200 countries taking part in what the Earth Day Network calls “the largest civic-focused day of action in the world.” Since the first Earth Day in 1970 (which was connected to the passage of the Clean […]
April 16, 2019