Remembering Our Veterans – Kirk Salmon

More than 600,000 Union and Confederate soldiers had died by the time Robert E. Lee surrendered to Ulysses S. Grant to end the War Between the States in 1865. Even before the war had ended, women living in the Confederacy had been “decorating” the graves of fallen soldiers with flowers. After the war, the now […]

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8 Types of Business Insurance – Kirk Salmon

Organizations rely on business insurance to protect them from risks and threats to their operation. Simply, it means transferring risk to insurance products. There are various types of insurance for your business. A broker can help choose the right mix of insurance for your business by determining which coverages meet your exposures and risk appetite. […]

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Distracted driving by the numbers – Gerry Sorge

Gerry Sorge Property Casualty 360

Statistics on the number of accidents due to inattentive drivers are rising despite awareness of the risks. With more than six million auto accidents occurring annually, many claims managers already feel as if they have been run over by the number of resulting claims. As automobiles increasingly double as entertainment centers, telephone booths, restaurants and […]

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Does Your Construction Business Need EPLI? – Keith Boyer

The United States Equal Employment Opportunity Commission received 84,254 discriminatory employment practices complaints last year. In addition to lawsuits filed by private citizens, claims filed by federal, state and city regulators are causing more businesses to purchase Employment Practices Liability Insurance (EPLI). Employment practices liability insurance protects an employer from an employee’s claim alleging discrimination, […]

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Cyberthieves target small businesses, too – so defend well

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 be considered small potatoes. Unfortunately, small businesses also are targeted with depressing frequency. According to the Congressional Small Business Committee, 71 percent of […]

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Reflections of a Middleman – Steve Macauley

Praise rarely rains down on the middleman. The role is frequently trivialized and unfairly characterized as adding an extra layer of cost without also adding value. Since the advent of sales inserts and commercials, consumerism has cautioned us to “cut out the middleman” and go direct to the source. A quick reading of history, though, […]

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Identify, control and continually review hazards at work

Risk and insurance professionals are especially mindful regarding the importance of recognizing and eliminating hazards at the workplace. As in most things, an ounce of prevention is worth a pound of cure. These five steps can help set your company on the right course: STEP 1: Separate business hazards from risks. Before you can identify […]

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10 Attributes to Look for in a Risk Management Outsourcing Partner

As anyone working in the construction industry knows, some risks are worth taking, while others simply aren’t. Your company’s risk control process should be placed within the latter group. This is no place for amateurs. By hiring a professional risk management outsourcing partner, your firm will gain the peace of mind that comes from working […]

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What we’ve learned from Hurricanes Harvey, Maria and Irma

Gerry Sorge Property Casualty 360

An exceptionally active hurricane season highlighted personnel and supply chain issues for insurers and offers opportunities to prepare for 2018.   “Never let a good crisis go to waste,” has reportedly been attributed to Winston Churchill, grandson of England’s 7th Duke of Marlborough, regarding post Second World War conditions leading to the formation of the United […]

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Picking the Best General Liability Policy for Your Business

best general liability insurance

The best general liability policy protects your business assets by transferring risk from your organization to an insurance underwriter. The underwriter will pay for obligations incurred if someone gets hurt on your property, by your product or when anyone employed by your business causes property damage or injury. General liability insurance also covers legal defense […]

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