We work hard every day for the assets we acquire. Buying our first automobile and purchasing our first home gives us a sense of security in our future. But what happens when life’s unexpected occurs? Insurance products are there to help mitigate the financial loss associated with the expected as well as the unexpected. When […]
April 5, 2016
When assessing the risks and hazards in your resort there are some key areas in which to consider for the safety of employees and guests. Swimming pools – We all know the dangers of swimming pools. When the perimeter area is too smooth, a guest or employee can easily fall. Because the surface is often partially […]
March 29, 2016
Floods are the #1 natural disaster in the United States and even areas outside of those typically subject to flooding can be vulnerable. According to the NFIP (National Flood Insurance Program), people outside of the mapped high-risk flood areas file over 20-percent of all National Flood Insurance Program flood insurance claims and receive one-third of […]
March 23, 2016
Identity theft is an all too common occurrence that needs to be taken seriously by individuals as well as business owners who are responsible for the identity of employees, vendors and customers. In a recent case by the US Attorney’s Office-Eastern Division, a Delaware man Jean Baptiste Alvarez allegedly improperly obtained the personal identifying information […]
March 9, 2016
Professional liability is negligence by a health care provider resulting from a failure to use due care or where the standard of care falls below what is expected from a person in a particular profession. A medical professional liability insurance policy covers bodily injury or property damage as well as liability for personal injury such […]
March 1, 2016
Many business owners ask, “What drives the Workers’ Compensation machine and why are our costs so high?” We address some issues below that start to scratch the surface. There were nearly 3 million nonfatal workplace injuries and illnesses reported by private industry employers in 2014 according to the Bureau of Labor Statistics. The highest incident […]
February 23, 2016
According to the Association of International Safe Travel over 37,000 people in the United States die in road crashes each year and over 25% of those casualties are involved with drivers age 16-20. Road crashes cost the U.S. $230.6 billion per year, or an average of $820 per person. The rise of your auto insurance […]
February 19, 2016
Do you know the definition of Cyber Liability Insurance? What business types need Cyber Liability Insurance? What are the causes of cyber exposure? Why does my business need Cyber Liability Insurance? What is the financial risk due to cyber exposures? The cold hard fact is that Cyber Liability can affect almost any business. Take our […]
February 11, 2016
What is Inland Marine Insurance? As a business owner, it could be you’ve never heard of Inland Marine insurance, or maybe you’ve dismissed it because of the name. Well, you might want to think again. Inland Marine Insurance was first created to cover the transport of goods over water, but the definition of the term […]
January 18, 2016
With the winter months upon us and the inevitability of El Nino, businesses across the nation should have their Emergency Response Plans in place. One important component of a company’s plan will be the decision to “Seek Shelter” or “Stay in Place”. Here is a check-list of things to consider: What is the type of […]
January 13, 2016