Category: Commercial
You’ve heard of coworkers, cosigning, and cofounders. But have you ever heard of coinsurance? The coinsurance clause is a provision which requires you to carry enough insurance on your property so the coverage amount is equal to a certain percentage of the property’s…
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Category: Claims, Commercial, Liability, Personal
Tags: agreed amount clause, coninsurance clause, coninsurance percentage, insurance coverage, partial loss, premium, replacement cost, total loss
A few years ago, the Nike retail store in New York City was closed by the public health department due to a bedbug infestation in the store. No doubt their reputation took a hit, but what about their bottom line?…
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Category: Business, Central, Commercial
Tags: bedbugs, business interruption, business shutdown, contagion, health department, investation, Nike, Outbreak Extra Expense Policy, vermin, workplace violence
Every year as people begin to talk about what they are making for Thanksgiving and which family member will top their crazy list, I get excited. Now, admittedly, I love to see and spend time with my family, but the…
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Category: Business, Central, Claims, Commercial, Employees
Tags: Black Friday, claim, coverage, employee, First Report of Injury, holiday, injury, insurance, part-time, retail, seasonal, Thanksgiving, worker, workers' compensation
We’ve all heard of the dangers of lead-based paint. If you are a general or renovation contractor, painter, plumber, carpenter, or electrician, this is an issue you have likely dealt with when working on structures built before 1978. Renovation activies…
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Category: Central, Commercial, Loss Control, Risk Management
Tags: certified, compliance, contractor, EPA, hazardous, lead chips, lead dust, lead-based paint, pre-1978, renovation, Repair and Painting
While sitting in my doctor’s office, I started thinking, “What if?” What if the doctor’s computer network were hacked tonight? Does he have knowledgeable I.T. staff protecting the sensitive personal information in all those patient files, including mine? I could end…
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Category: Business, Central, Commercial, Financial, Loss Control, Prevention, Risk Management, Technology
Tags: computer, credit, cyber, cyber crime, cyber thief, cybercrime, cyberthief, data, data breach, hacked, hacker, identity theft, National Cyber Security Awareness Month
Fall has arrived! The kids have returned to school. The days are getting shorter and football has returned (Go Bucks!). However, it won’t be long before the snow, ice, and cold temperatures return and bring with them an entire set…
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Category: Accident, Central, Claims, Commercial, Employees, Liability, Loss Control, Prevention, Risk Management, Weather
Tags: accidents, col temperatures, dehydration, emergency kit, frostbite, hazards, hypothermia, ice, icicles, Safety Tips, salt, slip and fall, snow, workplace
You’re at work moving storage boxes when suddenly, you feel a sharp pain in your back. At first, you take a few deep breathes thinking you have just pulled a muscle and if you give yourself a moment, you’ll be…
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Category: Business, Claims, Commercial, Education, Employees, Liability, Loss Control
Tags: claim, employer, First Report of Injury, injury, insurance, Job Description Form, medical benefits, permanency rating, Wage Statement Form, wages, workers' compensation
You just received a phone call from someone who says they represent your insurance carrier and would like to set up an appointment to audit your business operations. You’ve paid all of your premiums on time so what could they…
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Category: Business, Central, Commercial, Financial
Tags: auditor, business, cash disbursements, certificate of insurance, commercial insurance, general ledger, insurance, payroll ledger, policy, premium audit, subcontractors, tax returns
It happens more than you’d like to think. A person drinking in a bar leaves and causes an accident, injuring or killing another person. The victim’s family then files a lawsuit against the bar. Owning a bar can be fun and financially…
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Category: Accident, Auto, Business, Central, Claims, Commercial, Employees, Liability, Loss Control, Prevention, Risk Management
Tags: accident, alcohol, alcohol training, bar, bartenders, beverage, drinks, establishment, happy hour, intoxication, lawsuit, liability, risk, servers, TABC, TAM, TIPS
When most people think of fleet safety they probably tend to think of a “fleet” as a large number of vehicles (50+ vehicles). After all, a small contractor with 4-5 pickup trucks may not think of the trucks as a…
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Category: Auto, Central, Commercial, Employees, Loss Control, Prevention, Risk Management
Tags: accident, checklist, driver selection, driver's license, fleet, fleet safety program, Motor Vehicle Record, pre-trip inspection, preventive maintenance, road test, safety; driver, training
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