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Risk Insight
Environmental & Construction Professional Exposure Claim Scenarios You Need to Know About
This blog post will cover common scenarios and offer insights to help advisors recommend appropriate coverage for their clients. Staying informed can aid in protecting clients’ businesses from potential claims related to environmental and construction professional exposure. Gain critical insights by reading this post. GENERAL CONTRACTOR (GC) A GC under a design-build contract hired an…
How To Prevent Legionnaires’ Disease In Hotels and Resorts
As the world opens up again, the travel industry is booming, and hotels and resorts are gearing up to welcome guests again. While hotels have implemented stricter cleaning measures to provide a safe and healthy environment for guests, an unseen risk can put guests and employees at risk: Legionnaires’ disease.
How to Sell High-Limit Hotel Umbrella Insurance
This is an excerpt from our free “How to Sell Umbrella Insurance” eBook. Click here to download your copy. For the most part, hotels recognize the importance of purchasing Hotel Umbrella insurance to supplement the liability limits in their underlying policies. In the last several years, however, liability claims have resulted in multi-million-dollar verdicts or…
Inside the Complex Issue of Security Negligence in Community Associations
Community associations are responsible for the safety and security of its residents. It is important for the board of directors to review the association’s bylaws to understand their responsibilities to provide a safe and secure community. Proper security measures and enforcement of them helps mitigate an unfortunate accident from occurring and the potential of a…
Looking Ahead: Insurance Market Insights for 2022
The insurance industry has experienced a hard-market cycle over the last several years. Some business lines more so than others are seeing diminished capacity, tighter underwriting scrutiny and changing risk appetites and policy terms and conditions from insurers. Commercial Property, Commercial Auto Liability, Directors & Officers Liability (D&O), Cyber Liability and Excess Liability insurance lines have been in the forefront of hard-market rates. Looking ahead, here are some insights on…
6 Simple Ways to Save Money for Winter Energy Efficiency
So, you’re looking cut down costs for winter energy efficiency. While we may not like the idea of wasting energy or cash, many do not know where to start. How can you stay warm this winter season while keeping the bill down? We have compiled a few ways to get started. So, turn down that thermostat,…
Scary Risks for Community Associations During Halloween
Signs of Halloween, everyone’s favorite spooky holiday, are everywhere during the month of October – from carved-out pumpkins to skeletons hanging in the windows and elaborate decorations. Kids and adults have planned their costumes well in advance, and this year we may very well see a lot more trick-or-treaters and Halloween parties taking place, including…
September is National Preparedness Month
From a global pandemic to an attempted insurrection, unexpected condos collapses to historic wildfires, the past year and a half have been full of unpredictable disasters, putting in perspective just how unexpected disasters are and how far-reaching their effects can be. This September is National Preparedness month. This time of year we are reminded the…
Distracted Driving on the Rise During the Pandemic
Despite decreased traffic, the National Safety Council found that 2020 motor vehicle deaths were up 8% from 2019 — the highest percentage increase in 13 years. Cell phones have long been the cause of deadly driving accidents, but new evidence suggests that the distracted driving epidemic has only gotten worse during the pandemic.
The Importance of Flexible Policy Terms Amid Widespread Construction Delays
Construction projects have historically been prone to delays. Now, after months of labor restrictions, material shortages, and an increase in renovations, delays are more widespread and severe than ever before.