Cyber threats can impact organizations from small businesses to huge enterprises, regardless of industry. However, these events may not be covered under your property, crime, or general liability policies. Is your business protected? Click here to get a quote now!  Read More

The Commercial Vehicle Safety Alliance (CVSA) recently scheduled this year’s Brake Safety Week for Aug. 21-27, 2022. This annual event emphasizes the importance of ensuring sufficient brake systems in commercial motor vehicles (CMVs). Specifically, the event highlights the role that brake maintenance and efficiency plays in reducing brake-related CMV accidents on the road. The focus...Read More

This article describes general liability policies, the audit process, audit tips and what should be included in classification "91583 - Contractors - Subcontracted Work - in connection with building construction, reconstruction, repair or erection - 1 & 2 family dwellings". ~ 5 minute read. Commercial General Liability Policies are essential for all commercial businesses. A...Read More

Employee Benefit Plan Limits for 2022 Many employee benefits are subject to annual dollar limits that are periodically updated for inflation by the IRS. The following commonly offered employee benefits are subject to these limits: High deductible health plans (HDHPs) and health savings accounts (HSAs); Health flexible spending accounts (FSAs); 401(k) plans; and Transportation fringe...Read More

On Dec. 5, 2016, the Federal Motor Carrier Safety Administration (FMCSA) issued a final rule that aims to improve roadway safety by establishing a National Drug and Alcohol Testing Clearinghouse. Under the final rule, motor carriers and other employers of commercial motor vehicle (CMV) drivers must use the Clearinghouse to ensure that current and prospective...Read More

Business operations in the technology industry revolve around the functionality of computers, network connections and the Internet. It’s no secret that computer use comes with many risks, including damaging viruses, hackers, the illegal use of your system to attack others, the use of sensitive data to steal identities and other illegal actions. As a result,...Read More

Because of all they can offer, smartphones and tablet devices are essential to many professions’ daily operations. However, as use rises, it will become more and more important to ensure that security for these mobile devices is able to adequately protect you from new and existing threats. The need for proper phone security is no...Read More

The regular review of every contract you sign is a highly important risk management task. This includes a contract’s waiver of subrogation clause. Subrogation is a basic insurance concept used in insurance contracts. If a loss occurs, it typically happens through someone’s negligence. In general, the negligent or “at fault” party is liable for the...Read More

Could an exclusion in your commercial general liability (CGL) policy leave your business liable for damages due to an employee’s injury, even though the employee already received workers’ compensation benefits? It may seem like the answer should be a simple “No,” given that workers’ compensation generally limits the remedies an employee can obtain from an...Read More

Predicting the Top 5 Cyber Threats in 2019 Hackers will keep exploiting cyber defense trends and new technology to steal valuable information and cause chaos.     As large-scale cyber attacks continue to make headlines on a regular basis, many businesses have started to realize the importance of safeguarding their systems and data. However, hackers...Read More