Distinguished Blog

Market insights and industry news.

Liability Risks with Cigar Bars, Hookah Lounges in Casinos and Resorts

Casinos and resorts throughout the country, including in Las Vegas, Los Angeles, and Florida, joined the cigar bar craze years ago, offering clientele the opportunity to light up while sipping exotic cocktails or flights of whisky or bourbon. Cigar bars became the perfect venue for buddies to throw a bachelor party with themed atmospheres that…

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Cyber Insurance Part of Business Continuity for Limited-Service, Franchise Hotels

Cybercriminals continue to attack the hospitality industry, becoming increasingly more sophisticated in their tactics. While high-profile incidents such as Marriott’s data breach earlier this year and MGM Resort’s data breach in 2019 that affected 10.6 million guests make headline news, limited-service and smaller franchise hotels are also the victims of bad actors, with data theft,…

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How Agents Can Lower the Cost of Workers’ Comp

Workers’ Compensation insurance is mandatory in nearly every state and designed to provide employees with coverage for medical costs and lost wages for workplace-related injuries or illnesses. Work Comp premiums are based on three factors: classification codes, employer payroll, and an employer’s experience modification (ex-mod).

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How to Find More Builder’s Risk Leads

The construction market is one of the many industries that has felt the financial impacts of the coronavirus pandemic. The initial lockdown forced construction to a screeching halt, disrupting project schedules and causing short- and long-term uncertainty across the industry. However, as restrictions ease, construction projects resume once again, with commercial and residential construction projects…

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Builder’s Risk 101: What is Builder’s Risk Insurance?

As the name may imply, builder’s risk insurance is a specialized type of property insurance that protects buildings under construction. Unlike homeowners’ insurance, which covers structures that have already been built, builder’s risk is made for new constructions, renovations, or additions. A property in the midst of construction has different risks than an established structure,…

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How to Prepare for an Earthquake

While we typically associate earthquakes with the west coast, they can occur anywhere at any time. Faults are buried deep underground in the central and eastern regions of the United States. These areas are categorized as seismic zones and experience hundreds of small earthquakes every year, but damaging shocks can occur too. The probability for…

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Managing Mental Health While Working From Home

Despite being able to clock in whenever and from wherever you would like, research has shown that working from home is linked to an increased risk of poor mental health.  The most commonly reported issue that remote workers face are loneliness and isolation, anxiety and stress, and depression. Even the most optimistic, normally productive worker…

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Can Restaurants Use CBD?

If it feels like you are seeing CBD everywhere, it is because you are. From cookies and desserts to lattes and cocktails, and anything in between, incorporating CBD into menus is a hot new thing. With CBD at the intersection of three rapidly growing consumer trends — the anxiety economy, the cannabis industry, and the…

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Liability Pitfalls for Hotels Providing Insured Vehicles to Their Guests

Car companies like BMW, Mercedes, and Porsche have been teaming up with hotels for years to provide guests with vehicles – particularly luxury cars. It’s a way to drive up recognition of their respective brands among both leisure and business travelers. Some brands even offer loaner cars that allow guests to experience new models while…

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What the ADA Says About Service Animals in Hotels

From the blind to the hearing impaired, a number of people require the assistance of a service animal. These animals can aid with mobility issues, alert the hearing impaired, guide the visually impaired, and perform tasks that a disabled person cannot. However, some establishments, like hotels, fall behind on the rights of these individuals. Brushing…

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Inside ADA Laws and Website Compliance

B2B and B2C demand for 24/7 access to services and information online have sped up the need for the insurance industry to create more robust digital platforms. We’re seeing this every day with the ability for customers to request policy changes, initiate Certificates of Insurance, get a quote, make payments, and perform other insurance transactions…

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