Blog

  1. Frequency, Severity and Your Commercial Auto Insurance Premiums

    by Elaine

    Category: Blog

    Auto insurance rates are based on several factors, frequency and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type, and deductibles. This means that while your company’s inherent level of risk is a factor that affects the premium you will pay for auto insurance, that amount […]

  2. Driving Personal Cars for Business Use – A Good Idea?

    by Elaine

    Category: Blog

    There are many situations in which an employee drives his or her personal auto to perform a business-related task or activity: travel between worksites, client visits, transportation of clients, travel home from work-related events and even quick stops to pick up food for a meeting. It is important to consider the risk that  assumes in […]

  3. Coverage Considerations for TNCs

    by Elaine

    Category: Blog

    Transportation apps such as Uber and Lyft that allow you to request a ride using your smartphone are becoming increasingly popular – and also controversial. Considered a type of ridesharing, a company that uses an online-based platform to connect passengers and drivers for transportation services (using the driver’s personal vehicle) is now commonly called a […]

  4. Protect Against Risks With an Umbrella Policy

    by Elaine

    Category: Blog

    man drawing umbrella over family

    In the event that someone is injured on your property and you are found legally responsible, you could be faced with a costly financial burden. In fact, without a personal umbrella liability insurance policy, any expenses beyond the limits of your standard policy are your responsibility. This applies to your homeowners, renters, automobile and watercraft […]

  5. Umbrella Insurance for your Business and Peace of Mind

    by Elaine

    Category: Blog

    In a culture where litigation is commonplace, business owners have many more worries than making profits and retaining top employees. If your product injures a consumer, your organization could face a devastating lawsuit, exponential damages and a tainted reputation in the marketplace. To assist with the financial burden of a claim, many business owners purchase […]

  6. Personal Umbrella Liability Insurance

    by Elaine

    Category: Blog

    Are you certain your current liability insurance offers you enough protection? If you are found to be legally responsible for injuring someone or damaging their property without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. Standard liability insurance generally includes […]

  7. What is Umbrella Insurance, and Who Needs It?

    by Elaine

    Category: Blog

    Excess liability insurance (ELI), more commonly known as umbrella insurance, is one of the most important types of insurance your company can buy. It protects your business from holes or limits in existing policy coverage as well as from financially draining lawsuits. Just as you carry an umbrella to protect you from a potential downpour, […]

  8. Cyber Attacks-Are You Prepared?

    by Elaine

    Category: Blog

    Cyber threats include dangers such as viruses erasing entire systems, intruders breaking into systems and altering files, intruders using your computer or device to attack others and intruders stealing confidential information. The spectrum of cyber risks is limitless; threats, some more serious and sophisticated than others, can have wide-ranging effects on the individual, community, organizational […]

  9. Global Cyber Crime Rising

    by Elaine

    Category: Blog

    According to a new Cybersecurity Ventures report, the global cost of cyber crime will double in the next five years, exceeding $6 trillion annually by 2021. That figure includes a number of costs, including those stemming from the value of the data itself, restoration costs, lawsuits, stolen money, fraud and a host of other related […]

  10. Fraud On The Rise

    by Elaine

    Category: Blog

    A recent global fraud and risk report by Kroll, Inc. gives insight into the state of fraud and risk incidents in 2016, during which 82 percent of respondents experienced a fraud incident—up from 75 percent in 2015 and 61 percent in 2012. Fraud concerns affect not only a company’s bottom line, but also its ability […]

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