8 Fall Home Maintenance Tips

With spring cleaning far behind, and summer fun all but over, it’s time to start fall home maintenance.  Fall is the perfect time to perform important maintenance to your home so you’re not caught in the middle of winter with a drafty house or a malfunctioning heater.  We’ve compiled the top eight fall home maintenance…

What is D&O Insurance?

With increased control and scrutiny of corporate practices, directors and officers are under ever more pressure. Just the allegation of an error or misdemeanor can lead to extensive losses of personal assets even for those serving a part time, non-executive, or honorary role in an organization. To protect themselves and their personal assets, many people…

Coverages for Valuables & Collections

The name Inland Marine may sound misleading. The name originated at Lloyds of London, used for insuring goods as they crossed the ocean as well as the ships on which they were transported. Later called “marine coverage” and “ocean marine insurance”, the name changed to Inland Marine after the coverage adapted to land transportation. Though…

Legal Liability – What’s Covered?

In an increasingly litigious society, you have probably heard the word “liable”. This simply means “legally responsible”. You may find yourself legally responsible in a car accident caused by texting while driving or by leaving a candle burning in your apartment, which spreads fire to other units. This part of your Property and Casualty insurance protects against…

7 Tips to Lower Your Work Comp Costs

Workers compensation costs can cripple even the most prosperous company, between the actual claims made by the injured employees, the increase in your insurance policy, and the overall mood of the company. By eliminating potential risk factors, an employer can help keep those costs at a minimum, which means lower premiums, less hurt employees, and…

4 Small Business Legal Risks to Watch Out For

Every business has to make legal considerations on a daily basis, regardless of what industry they find themselves a part of. For small businesses and start-ups, legal considerations can often determine whether or not the company can achieve growth potential. Therefore, accounting for legal risks should be one of the fundamental characteristics of a small…