Summertime is a carefree time of backyard parties, celebrating 4th of July and weddings! Can you guess from that list what coverage issue jumps to mind? Yes, Liquor Liability! Who Needs Liquor Liability Insurance? Businesses that sell or serve alcohol at their establishment need Liquor Liability Insurance. Some states require Liquor Liability Insurance for every […]
July 7, 2015
We have all heard of the cyber attacks on financial institutions and retail businesses. More and more we are hearing of the attacks in the healthcare industry. Attacks reported just this year have involved Premera Blue Cross effecting 11 million patients and Anthem involving 80 million records. These are just the high profile cases we […]
June 30, 2015
What is Commercial Umbrella Liability? An umbrella liability policy provides an insured with an “umbrella” of liability protection over the primarily liability insurance. Most umbrella insurers require you to purchase primary insurance coverage before selling you an umbrella policy; for example, general liability insurance, auto liability insurance, workers compensation or employers’ liability insurance. An umbrella […]
June 24, 2015
Explaining D&O and EPLI Directors and Officers Insurance or (D&O) and Employment Practices Liability Insurance or (EPLI) are important coverages for any business owner. Directors & Officers Insurance (D&O) is a type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. […]
February 26, 2015
From the Desk of Des – Naples While attending a convention in Naples, Florida, I went to visit a resort client on the Gulf Coast. Standing on the beach in front of the resort I looked up at the property and saw a scene of bustling happy vacationers. They were on the beach, in the […]
January 29, 2015
Misconceptions about Cyber Liability Exposures Cyber breaches are mostly a result of foreign offshore sophisticated hackers who are only targeting large retail and healthcare systems. It is true that hackers are responsible for the largest number of losses in claims against cyber liability exposures and that the most advanced hackers are in Russia and Eastern […]
January 21, 2015
Why You Need Building Ordinance Coverage? State and local governments enact and enforce building codes or ordinances to protect the health and safety of building occupants. A building ordinance establishes a minimum standard that must be met to maintain compliant with the building codes that are set forth. Building ordinance coverage is needed to cover […]
January 14, 2015
Minimize Cyber Exposure Cyber Monday, holiday shopping, cyber exposure in general for individuals and businesses alike is becoming more of a constant thought in accessing our risk management. During this holiday season, and as a rule of thumb all year long, it is a good idea to adopt these tips from the experts at CNA’s […]
December 29, 2014
Hospitality Industry – Risk Assessment The hospitality (travel and tourism) industry has seen its ups and downs but currently is thriving as determined by the World Travel and Tourism Council, as among the largest and fastest growing industries worldwide and projected to support 328 million jobs by 2022. This is an exciting time to be […]
December 23, 2014
Independent Contractor versus Employee Source California Division of Labor Standards Enforcement (DLSE) As a company running a business or an individual working for themselves, the topic of independent contractor versus employee is a very important factor to consider when accessing your risk management. As a company you want to be very careful that you understand […]
December 16, 2014