Employment Practices Liability Insurance
“Why Do I Need It?” Employers of all sizes are exposed to legal actions filed by current or former employees alleging discrimination, harassment, wrongful termination, and other charges. Employment Practices Liability Insurance covers lawsuits brought by employees (past, present or prospects),
Preventing Cyber Attacks
Loss control and risk management steps The following risk management controls can help companies avoid losses due to cyber attacks such as viruses, hackers, Trojan horses, malware, denial of service, extortion, errors & ommissions in delivering tech services and, intellectual
Identity Theft Coverage
What may not be covered in your Cyber Liability policy Cyber Liability policy forms may or may not cover the following types of identity theft: Pfishing Attacks Pfishers send emails that highjack the names of trusted companies like banks, credit
12 Specific Cyber Liability Risks
Analyzing your insurance needs When analyzing a Cyber Liability policy for adequacy, the following specific risks may or may not be covered: Errors & Omissions resulting in economic damages (needed for accounts that perform cyber-related professional services for a fee)
Rental Cars and Hired Car Physical Damage
Getting the most bang out of your insurance buck A client called the other day to let me know he was going on a business trip, and asked whether or not he should buy the rental car company’s Physical Damage
Garage Doors Susceptible to Tornado Winds
Damage could cause domino effect The collapse of garage doors during a tornado can set off a chain reaction that destroys the rest of the house, according to some experts. The Department of Industry and Labor in Minnesota recently upgraded
Liability Risks for Green Construction
Green certification is a way to gain third-party, independent, and international recognition that a project produces less waste, conserves water and energy, supports the health of its occupants, stamps a smaller carbon footprint, and is socially responsible.The risks of green
Non-owned and Hired Auto Liability
Do you really need it? Our home builder clients often ask if they really need to pay $225 a year for Non-owned and Hired Auto Liability coverage. They reason that this coverage is not needed if they don’t have many
Contractor General Liability in a Bad Economy
Should a contractor let the policy expire to save money? As a result of the recent housing slowdown, some home builders have put a hold on new construction activity. They often struggle with the decision about whether or not to renew their General
S.C. Supreme Rules on Work Comp for Illegal Aliens
The South Carolina Supreme Court ruled that illegal immigrants injured on the job are entitled to workers’ compensation benefits The court ruled that allowing Workers’ Compensation benefits for illegal aliens does not violate federal law and not allowing such benefits
