How to Protect Your Business from Crime

July 10, 2019

Theft is one of the biggest reasons businesses often struggle. Consider these recent findings: The University of Florida National Retail Security Survey estimates total retail losses of $44 billion every year, with 30-40 percent of those losses walking straight out the door. In a survey conducted by Kessler International, 95 percent of employees admitted to […]

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Umbrella & Excess Liability: What limit do you choose?

July 3, 2019

We are often asked, “What limit of coverage should I have?” While there are several factors to consider when making this decision, we suggest considering these top three: What assets am I trying to protect? Is there someone outside of our company that requires specific limits of coverage? What is my attitude toward taking/retaining risk? […]

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Cyber Liability Insurance Policies

June 19, 2019

Due to the lack of actuarial data, it’s been difficult to price cyber liability insurance. This is one reason Insurers depend so much on evaluating each insured according to its risk management procedures and risk culture. As a result, cyber risk coverages are more customized and, therefore, can be more costly, depending on the vulnerabilities […]

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Two Essential Property Endorsements You Need if You Plan to Rebuild after a Loss

June 5, 2019

Your insurance may cover your losses, but will it be enough to meet new building code requirements if you rebuild? A good insurance program will protect your business property from loss due to fire, theft, vandalism and more. But without certain important coverages, your property coverage could leave you short of the funds needed to […]

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Preparing for the Worst with Active Assailant Insurance

May 22, 2019

The coverage was introduced only a few years ago and more companies are now offering it. Sadly, following incidents like the shootings in Las Vegas, Parkland, Fla., Christchurch, N.Z., as well as numerous shootings in California and up and down the east coast and elsewhere in the U.S. this year and last year, there is […]

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Don’t Be the Victim of a Nigerian Prince

May 8, 2019

You wouldn’t knowingly send money to a Nigerian Prince but ransomware and phishing attacks are becoming more sophisticated. Smaller companies are especially vulnerable. By now, everyone who has heard of the Nigerian Prince emails knows they’re a scam. You’re told you just need to pay the so-called prince a small advance fee for helping him […]

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Benefits of Green Construction

April 22, 2019

Siting and design efficiency — the goal is to minimize impact in terms of a building’s location and the surrounding environment. Energy efficiency — includes minimizing air leakage with high performance windows and insulation, reducing the need for natural light by maximizing solar gain with strategic placement of walls and windows, and implementing renewable energy […]

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The Honest Truth about Employee Dishonesty

April 4, 2019

One in every 35 employees was apprehended for theft from their employer in 2017, according to the 30th Annual Retail Theft Survey, down from 27 in 2016. 40,286 dishonest employees were apprehended in 2017, down four percent from 2016. While these are improvements from the previous year, employee theft continues to be a serious problem. […]

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7 Ways to Improve Company Driver Safety

March 21, 2019

If you have trucks to provide service offsite or to deliver products, you probably either have dedicated drivers or at least many of your employees spend a substantial amount of their time on the road. Here are seven tips for improving safety and reducing costs: Make sure your drivers have safety gear onboard Stock your […]

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How Does Green Construction Affect Insurance Costs?

March 7, 2019

In the next three years developers expect 60 percent of their projects will be green. The market for green construction projects has grown significantly in the last 10 years and demand for green building activity is poised to grow substantially — to double in some regions, according to a report issued December 2018 by Dodge […]

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