reprinted with permission Best Practices: Background Checks for Nonprofit Board, Staff and Volunteers Childhood victimization and other abuses of our most vulnerable citizens unfortunately remain a much too prevalent and tragic issue of our times.  Particularly offensive is the possibility of physical or emotional abuse of those susceptible because of age, disability or circumstance while […]

PREVENTING FREEZE UP – FROZEN & BURST WATER PIPES Cold weather freeze-ups can cause vital fire protection systems to malfunction. Cold temperatures can cause sprinkler piping to burst resulting in major water damage to buildings, contents, and equipment. Pipes bursting can also impair automatic sprinkler systems and leave a major portion of your facility without […]

We loved this reminder from our friends at United Marine Underwriters, so we are passing it on to you! By Randy Troutman On July 31, 2013 · Leave a Comment · In Boat Insurance, Boating Safety, Boating Tips Hot summer temperatures are prompting Jet Skiers to take to the water in search of fun ways to cool down. Riding a Personal Watercraft (PWC) is […]

As 2013 begins, we continue to see repercussions of past year’s natural catastrophes which tallied $57.9 billion in insured losses in 2012 alone.  Insurance is being used to rebuild entire communities. To that end, consumers will see is a sharp increase in property insurance rates, both on the Homeowners and Commercial Property sectors. Almost  all insurance companies are seeking […]

Reprinted with permission from Independent Agent magazine: Who is liable if a holiday guest gets food poisoning or drives home drunk? As millions of Americans host and attend holiday parties across the street and across the country, many may be unaware of the risks they may be taking. According to Trusted Choice® and the Big “I,” […]

There is no question that the ownership and use of our autos present us with the greatest personal liability exposure. But our normal daily activities can expose us to the potential of a large liability claim that could threaten our personal assets. One of the best ways to understand the need for a personal umbrella […]

As an insurance advisor, wekeep current on the trends in the insurance industry that may affect your insurance protection. To that end, we want to make you aware of some changes we are seeing as a result of last year’s catastrophic losses that are illustrated in our March 8th blog entry. “Despite Mild Winter, Keep An Eye on Rising […]

reprinted by permission from  IA&B: Who’s considered an insured at the time of a loss under a commercial general liability (CGL) policy will make all the difference in a claim. Under SECTION II – WHO IS AN INSURED of the CGL, the first category of an insured refers to named insureds. Who is an insured […]

We have had an abnormally mild and snow-less winter. That doesn’t mean that Mother Nature has been taking it easy. In fact, her activities caused about $36 BILLION in losses in 2011. Four of the Top 10 catastrophic events worldwide took place in the United States. From Hurricanes Irene and Lee, to the tornadoes in […]

Over the last year, there has been one category of claim in our agency that has increased in frequency more than any other category.  In almost all cases, it was not covered.   And yet, almost every employer has this exposure.  That is in the area of Employment Practices Liability. What are “Employment Practices”?  Employment Practices […]