Imagine this: You own a deli shop and operate that business in a commercial space that you rent. Your income is derived entirely from meat and other food sales. One day, a tornado blows through town, damaging your shop severely. The building is now unusable, the refrigerators are gone, the..
Growing up in the Midwest, I always felt secure and never thought about horrible things that could go wrong outside of my home. I began my career in insurance working for Wausau Insurance Companies and was a multiple line claims adjuster in the areas of the Upper Peninsula of Michigan and..
As healthcare costs continue to rise and demographics are rapidly changing, many employers are faced with difficult decisions when it comes to their employee benefit offerings. There have been a multitude of flashy trending workplace benefits that on paper seem exciting and attractive,..
Employer paid leave programs for employees are making headlines throughout the country. In some states and municipalities they are mandated by law. But for most employers, they remain a voluntary program that employers are increasingly turning to in an effort to support employee wellbeing and..
For starters, most general liability insurance policies have a pollution exclusion built into the coverage form, and often additional exclusionary wording regarding mold and fungi. These exclusions are meant to exclude coverage for bodily injury or property damage arising out of the discharge,..
How is your safety process working? Is it providing the results you want?