We are in the midst of a sweeping opioid epidemic. The prevalence of opioid pain killers for treating chronic pain in American adults has created a crisis throughout the country as these highly addictive pharmaceuticals create addicts, at times leading them to cheaper, but often devastating illegal drugs like heroin. The workers’ compensation industry has…
The construction industry, and those related to it, including architecture and engineering, are heavily affected by risk. Every day, you put a team of skilled individuals in positions that could lead to injury. Mitigating and managing that risk is not a one task process. Good risk management for contractors requires a full understanding of every potential risk…
With the pace of technological innovation increasing all the time, it’s essential that the insurance industry keep pace as well. This may include expanding current types of policies to cover new scenarios, or it may mean creating new types of policies all together. As a consumer, it’s important that you know what you’re covered for,…
Whether you work with contractors regularly or only occasionally, it’s important to understand how that relationship impacts liability in various situations. When you’re dealing with a mistake made by a contractor that has led to a lawsuit, or with an injury to a contractor that occurred while they were working on your jobsite, you need…
Identity theft is a growing threat, and the truth is that much of it happens in the workplace. Whether it’s data taken from your computer directly or accessed through a wider security breach, the loss of your employees’ personal information is a major problem on multiple levels. Fortunately, there are several concrete steps you can…
The beauty of being human is that we are flawed and we make mistakes. Unfortunately, there are plenty of people out there trying to take advantage of those small mistakes that could cost businesses millions of dollars. You might have heard the term social engineering which is otherwise known as a way of taking advantage…
Insuring the property your business owns is essential to your long-term stability and profitability. This kind of policy can cover a variety of things depending on the type of property you have, the nature of the business you operate, and what the particular risks are in your area. Understanding the risks that impact your…
They can attack anytime, anyone, anywhere. Whether they use a virus, phish, or malware, cybercriminals are not only targeting Fortune 500 companies but gradually even smaller businesses. As a matter of fact, small business employers are becoming a target for cybercriminals because they can provide access to larger networks and have valuable customer…
A professional liability policy, also commonly referred to as errors and omissions insurance, covers instances of negligence and the costs of any resulting claims. This is most applicable in industries that provide professional advice or services, and it functions in a slightly different way than general liability insurance. Just because you have professional liability…
While it’s true that only a very small percentage of worker’s compensation claims are fraudulent, even these few can have a significant impact on businesses both large and small. For that reason, it’s important to be able to recognize the warning signs of a fraudulent claim and know what to do to protect yourself…