• 09
  • Oct2017

What is Equipment Breakdown Insurance?

Equipment Breakdown Insurance was previously called Boiler & Machinery insurance, when the policy focused on protecting boilers, pressure vessels and industrial machinery.  With the modernization of insurance terms, Equipment Breakdown actually is a better name for a policy that is essential for small businesses and big businesses.  In its very basic sense a breakdown policy covers

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  • 06
  • Oct2017

Why Would I Need International Insurance Coverage?

Many businesses today large and small have a global component to them.  You may manufacture a product that is shipped overseas, you may go overseas to inspect products being manufactured for you, or you could be consulting or offering advice to clients overseas.  In all cases you may need International Insurance protection. In many cases, the

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  • 06
  • Oct2017

Cyber Threats and Cyber Insurance Protection

The news of cyber related incidents continues to grow every day. At the time of this writing the news of the Equifax breach is about a month old and it’s still in the news every day with new revelations as to the extent of the potential damages. If it’s not Equifax, it’s a big retailer, credit

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  • 28
  • Sep2017

10 Simple Steps to Reduce Workers Comp Costs

10 simple steps white paper In this White Paper we discuss the 10 Simple Steps you can take to Reduce your Workers Comp Costs. Click the link above to download. For more information, please contact us for a conversation!

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  • 26
  • Sep2017

6 Things to Consider When Shopping For Cheap Business Insurance

If you're buying insurance for the first time, or looking for competitive quotes on a renewal policy, we’d like you to consider the following issues to help you with your decision.  Buying cheap business insurance can actually cost you more in the long run. Now I’m not going to say “you get what you pay for”

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  • 29
  • Aug2017

The Protective Safeguards Endorsement

Many commercial property policies and business-owners policies (BOP) contain a version of the Protective Safeguards Endorsements when the policy holder is receiving a credit for having an alarm system, sprinkler system, security service, or in a restaurant a hood and duct extinguishing system.  The ISO (Insurance Services Office) form number is CP 04 11 10 12.

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  • 29
  • Aug2017

What is D&O Insurance?

Directors and Officers Liability Insurance is often referred to as D&O Insurance and is one segment of Management Liability Insurance. It provides coverage for the directors, officers, and owners and managers of a business for the liability they may incur for their "wrongful acts" while carrying out their duties.  Because owners, directors and officers of a business

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  • 29
  • Aug2017

Root Cause Analysis

When I’m working with a new client that is struggling with claims problems – usually related to workers comp or business auto, we’ll talk about what’s causing the losses.  I’ll often hear: “well, they’re just accidents, they just happen, it’s nobody’s fault”; but actually claims don’t “just happen”, there’s a reason why they happen in almost

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  • 29
  • Aug2017

How an Accidental Release of Data Could Cost Tens of Millions

Not all data breaches are acts of nefarious players On Saturday July 22, 2017 The New York Times ran a story on a “Trove of Confidential Data” which was accidentally released by an attorney working for Wells Fargo.  The magnitude of the data is enormous, and is estimated to contain financial information for “at least 50,000

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  • 29
  • Aug2017

Drug use further reduces the number of eligible workers

An article in the New York Times (July 25, 2017) featured a conversation about a manufacturing in Youngstown, Oho and the search for qualified workers.  Employers in that region are having a hard time filling job openings, and it’s not due to the education or skills gap we often hear about.  It’s because in many cases

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