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Protective Safeguards Endorsement

Commercial insurance policies can be very complex and often times have hundreds of pages. Sometimes there are things in the back of the policy that maybe aren’t so favorable. They might even have a positive connotation, but if read in detail are actually the opposite.

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Covering the Tools of a Contractor

The old saying goes, “a carpenter is only as good as his tools”.  If that saying is true, the tools of any skilled tradesman would be the most valuable asset they own.  Try to picture a carpenter working without a hammer, a plumber without a wrench, or an excavating contractor without a..

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Who’s Covering Your Tenant’s Liability?

Apartment owners and property managers have a means to protect their limits of insurance, and it won’t cost them a penny. I am talking, of course, about renters insurance. What many forget about renters insurance though, is the liability coverage that is included.

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If You Want to Destroy my Sweater…

…hold this thread as I walk away; so goes the Weezer song.

The LA punk band may not be known for their risk management prowess (shocking, right?), but they were on to something that can be useful in understanding the future of cyber security risk.

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Doing Business Abroad? Know Your Kidnap & Ransom Exposures

Advancements in technology and our ability to rapidly communicate with people all over the world are making it easier for US based companies to expand overseas. Whether your company is beginning to sell/ship products to other countries, starting to manufacture products overseas, or simply..

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Wisconsin Dram Shop Liability: Restaurants and Taverns

First off, where does this word “Dram” come from? Historically alcohol was sold by a unit of measure called a “Dram” meaning 1/8 of a fluid ounce.

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10 Tips to Protect Your Business from Ransomware Attacks

The malicious ransomware called “WannaCry” hit businesses large and small across the globe in 2017With more than 200,000 systems infected in over 150 countries, this large scale virus affected schools, governments, businesses, and even forced emergency rooms to close.

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When Replacement Cost is Not Enough

When property owners have to turn to their insurance because of a loss such as a fire, they expect the damages and reconstruction to be covered under their insurance program. Many business owners are familiar with the term “replacement cost” and assume that it covers whatever expenses might..

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Equipment Breakdown: Time is Money

In the world of business, time is money. Consider the impact your business would face if even one piece of equipment essential to daily operation failed. In many scenarios, your operations would be immediately interrupted. Do you have backup equipment at the ready? Do you have another facility..

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Claims-Made vs. Occurrence Coverage Triggers

More and more contractors are understanding the importance and necessity of Professional Liability insurance. While the coverage afforded by Professional Liability policies depends on the carrier,  one thing that is constant, and often overlooked, is that the coverage trigger on a Professional..

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