Small Commerical

Special Events

Special Event Liability Exposures Require Customized Insurance Coverages

Take time to consider the real risks   Summer and fall are the most popular seasons for special events like outdoor festivals, concerts, and sports tournaments.  Many employers, non-profits and recreation organization host picnics and fundraisers that involve outdoor activities.

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Wearable technology data

Wearable Tech as Evidence in Criminal and Civil Cases

Overcoming legal hurdles while taking advantage of the benefits Crime show fans know that cops are always able to verify alibis by reviewing phone records. Cell phone activity registers pings on the nearest tower, which proves whether suspects were where

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Liquor liability insurance

Liquor Liability Laws for Restaurants/Bars and Other Servers

State laws may clarify what owners should already be doing Liquor liability laws vary from state to state. Their basic premise is that businesses selling alcohol to visibly intoxicated persons or minors can be held liable if the consumer later

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Ransomware attack

What Should You Do If You’re a Victim of a Ransomware Attack?

Understanding, surviving, and minimizing your risk of cyber extortion We all fear the blue screen of death signaling a fatal system error. Operating computers can be frustrating at the best of times, but we’re sunk when they don’t work at

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Automobile insurance

4 Common Mistakes Automobile Accident Victims Make

Decisions made following an accident can have long-term consequences It’s bad enough when you or one of your family members is involved in an auto accident. Getting through the paperwork, dealing with the insurance companies and possibly recovering from injuries

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Social Media and libel claims

Social Media Posting and the Risk of Libel Lawsuits

Whoever’s writing the social media posts for a business is responsible for keeping things professional. This can be difficult given the provocative images and stories, political rants, and false information that fills everyone’s newsfeed. These often trigger inappropriate responses by

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Discrimination lawsuits

Beware Most Common Types of Discrimination Lawsuits

Businesses must be aware of the most common types of discrimination lawsuits in order to guard against costly discrimination actions which can result in not only significant legal defense costs, but also in large settlements or adverse verdicts.. According to

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Cyber Risk insurance

Cybercrime on the Rise

Small businesses increasingly vulnerable to data breaches It’s no secret that cybercrime is on the increase. Unfortunately, the news headlines about big business and government hackings are only the tip of the iceberg. Small to mid-size businesses represent the highest

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2-factor authorization

2-Factor Authentication for Business Online Account Protection

You go to a lot of trouble to protect the business you worked hard to establish and grow. Maybe you’ve installed an electronic security system, conducted background checks on your employees, employed security guards, or even have guard dogs on

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Employee Theft

Small Businesses and Employee Theft

Losses to business can be staggering Business owners want to trust their employees, especially those who have been on board for years and have become “part of the family.”  The 2015 Hiscox Embezzlement Watchlist  revealed that smaller companies suffer the

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