Cyber Liability Insurance: Four Ways to Safeguard Your Small Business

Cyber Liability Insurance

Since big companies such as Target, with nearly 2,000 stores in the U.S., and Equifax, with more than $3 billion annual revenue, are targeted by cybercriminals, one might think small businesses would not need cyber liability insurance. This could not be farther from the truth. Unfortunately, small businesses also are targeted with depressing frequency. According […]

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Eliminate Workplace Hazards: Five Steps Every Business Should Take

Eliminate Workplace Hazards

Most risk and insurance professionals know how to recognize and eliminate workplace hazards. As in most things, an ounce of prevention is worth a pound of cure. Five Steps to Eliminate Workplace Hazards Step 1 – Know a real hazard when you see one Before you can identify and eliminate workplace hazards it’s important to recognize the difference […]

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10 Situations When You Need Pollution Liability Insurance

Pollution Liability Insurance

Oil and chemical companies understand the need for pollution liability insurance coverage. But they aren’t the only ones with potential exposure to pollution-related incidents. In fact, many other types of companies have uninsured pollution exposures. And it’s possible there are literally thousands of companies exposed and unaware of the financial risk they currently face. We can’t know for sure […]

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WannaCry Ransomware: Everything You Need to Know

Risks in a business from data breaches and other malicious cyber acts just keep on growing. Due to potential limitations of standard liability coverage when dealing with the evolving cyber environment, forward thinking organizations are transferring their risk to cyber insurance products. While WannaCry ransomware cyber-attacks have slowed since being initiated on Friday, vigilance remains the […]

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What To Look For When Purchasing Insurance For Your Business

Insurance For Your Business

Organizations rely upon business insurance to protect them from the risks and potential threats to their successful and continued operation. Below, we have listed and explain eight common types of insurance for your business. A licensed, reputable broker like KMRD Partners can help you choose the right insurances for your business by determining which coverages meet […]

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Flood Insurance – Could your business be washed away by a flood or sewer back-up?

Flood Risks

Pennsylvania is considered to be one of the most flood-prone states in the nation, with approximately 83,000 miles of river and streams and nearly 2,400 local governments enrolled in the National Flood Insurance Program (NFIP). Although flood and sewer back-up is excluded under most standard commercial property policies, sewer back up can be added as […]

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Risks Ahead. Did you know? The following key risks are not typically covered by a General Liability Policy?

Employment Practices Liability Insurance

Financial injury resulting from actual or alleged misrepresentation, mismanagement, or lack of oversight by a company’s directors and officers. Employment-related discrimination, harassment or retaliation. Breach of fiduciary duty imposed by ERISA for an employee benefit fiduciary liability claim. Financial injury that may be insured by professional liability or product or service E&O liability policies. First-party […]

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Contingent Business Interruption Insurance – Are you protected from third party disruptions?

If you answer yes to any of the following questions, your company needs Contingent Business Interruption Insurance. Do any of your company’s operations heavily rely on a single or select group of third party providers of goods or services? Would a long-term computer outage disrupt your company’s ability to maintain normal business operations? Would losing […]

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Business Auto Insurance Policy – Don’t Be Sideswiped By Negligent Entrustment

What if an unscheduled event suddenly seizes control of your business? Are you ready? With hazardous driving conditions about to return, it becomes even more important to examine the theory supporting negligent entrustment. The law maintains a company has a legal duty to investigate the driving records and qualifications of all potential drivers and take […]

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