Small Commerical

Work from Home Sadler Insurance

Are Work-from-Home Employees Covered by Workers Comp?

Looking at risks like slips and falls and other risks Work from home surges under COVID-19 Employees had to quickly figure out the work from home logistics at the beginning of the COVID-19 pandemic. Now that workers have conquered those

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premises liability insurance

The Cost of the CVS Premises Liability Verdict

Underwriters requiring ample security measures by insureds to protect retail customers. CVS hit with $43M liability verdict. Was anyone surprised when CVS Pharmacies announced it would close 900 stores following the upheld verdict in a $43 million premises liability case?

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Did I Just Hire An Employee or An Independent Contractor?

There are clear guidelines on classifying workers that affect your bottom line Independent contractors and employees are a lot to manage as a small business. Small business owners know one of the largest costs of doing business is people costs.

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Small Businesses

EPLI Insurance Critical To Combat COVID And Emerging Risks

COVID-related lawsuits are coming for small businesses The COVID-19 virus has been around for over a year now, but no one expected its impact on small businesses. Those businesses that made it through this far have yet to see some

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employment practices liability insurance

2021: Employment Practices Liability Insurance Rates Climb

Racial discrimination, gender equity, me too, BLM, and COVID are drivers 2020 trends continue to reflect a new level of hysteria in the employment practices liability insurance (EPLI) market for employers from various factors. From racial discrimination to gender inequality,

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2019’s Top Outrageous Lawsuits

Another year of lawsuits and outrageous claims Every new year brings its surprises and this year was no exception. At the end of every calendar year, The Chamber Institute for Legal Reform releases a list of the year’s most outrageous

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Armed intruders in houses of worship

Fear of armed intruders in houses of worship

Steps you can take toward lowering the risk of such an event We addressed the topic of armed intruders in businesses and in schools in previous blog posts. Unfortunately, today we’ll be looking at shootings that take place in churches,

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Defamation lawsuits

Tips to Avoid Business Slander/Libel Lawsuits and Liability Coverage

How words actually can hurt you… in the pocket. I often get quizzical looks from small business owners when I mention the importance of Personal and Advertising Injury coverage in a General Liability policy. They don’t realize they may be

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Why Organizations Hide Sexual Abuse Incidents

What drives organizations to conceal the such vile behavior? The news of yet another sex abuse scandal in the Catholic church sparked fresh outrage. The abuse itself is enough to make your blood boil. But it boggles the mind knowing so

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Gun-carrying teachers: Workers’ Comp carriers OK, so far

Weapons and tactical training are key Workers’ compensation implications come into play when contemplating the practice of arming teachers to respond to the threat of a school shooting. Workplace safety is also an issue. But, for now, the insurance industry

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