There are plenty of reasons for an undo-and-destroy button when posting content online. An unfortunate post could get downloaded or screen captured within seconds, taking it out of your hands and leaving it for others to control forever. But what if: You didn’t update or authorize the content? The person purporting to be you isn’t […]
Read MoreA Tale of Two Property Coinsurance Clauses
A coinsurance clause in your commercial property insurance policy will penalize you following a loss if you haven’t purchased sufficient insurance. It is important to understand how this works. The below infographic gives you an overview:
Read More3 New Year’s Resolutions Small Businesses Should Make
The new year is a time for new beginnings, new ideas and, of course, New Year’s resolutions. Making resolutions may seem like something trivial you do at a New Year’s Eve party. But that is not the case! Each new year is an opportunity for small businesses to assess their strengths and weaknesses, develop strategies […]
Read MoreHow To Prepare for an OSHA Inspection
Preparing for an inspection by the Occupational Safety and Health Administration (OSHA) is like preparing for an emergency. You do not want to wait until the event occurs to figure out what to do. This is not to suggest you should initiate drills for an inspection, but you should plan for and periodically address OSHA […]
Read More10 Essential Christmas Tree Safety Tips to Avoid a Tragedy This Holiday Season
Every year, Christmas trees start fires. While these fires aren’t common, they tend to be very serious, resulting in costly damage, property loss and even loss of life. According to the National Fire Protection Association, Christmas tree fires between 2013 and 2017 caused an annual average of three deaths, 15 injuries, and $10 million in […]
Read MoreThe Dangers of Supplemental Heaters
During the transition from fall to winter, it might make more sense to use a supplemental heater than to turn on your primary home heating source just to cut the morning chill. Or if you live in an older or poorly insulated house, you may need to supplement your primary heating source just to keep […]
Read MoreWhat Are Some Common Exclusions on Auto Insurance Policies?
There are three primary components of auto insurance. Depending on where you live, some may be mandatory and others may be optional. Liability — Pays expenses related to bodily injury to another person or property damage caused by your vehicle Comprehensive — Reimburses any damage or replacement required for your own vehicle due to incidents […]
Read MoreHazards in Your Home Storage Areas
Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all compressed together into one poorly ventilated space. This creates the perfect conditions for vapors, chemical reactions and combustibles like cardboard boxes to accumulate, heat up and ignite. As you think […]
Read MoreEPLI Insurance, Does Your Business Need It?
Do You Need Employment Practices Liability Insurance? Hiring even one employee exposes your organization to new risks. From ensuring you have workers’ compensation coverage to managing payroll, hiring and benefits, you face a variety of new risks with employees aboard. Coverage to protect you against many employment-related claims is available, known as Employment Practices Liability […]
Read MoreHomeowners, Are Your Appliances and Systems Protected?
Your home is your sanctuary, a place to recharge. But you need a multitude of appliances working hard to preserve that haven: When they break down, it’s chaos. And it’s not just the things in your home you need to worry about. If a severe storm knocks out your power, for example, the electrical surge […]
Read More