Proposed Update to FEMA Rules for Builders

The Federal Emergency Management Agency recently proposed updated FEMA rules for builders and homeowners requiring them to build on higher ground when using federal funds on construction projects situated in flood-prone areas. Construction projects affected by updated FEMA rules include buildings, roads and other projects receiving federal funds, as well as projects rebuilt with FEMA […]

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How Liability Insurance Protects You Against Pain and Loss in Your Business

liability insurance protects you against

Risk and potential loss is everywhere. What liability insurance protects you against is the potential for business ending claims – and lots of pain. It’s like a life preserver no business should be without. Liability insurance protects you against the risk of liabilities resulting from lawsuits and similar claims from third party persons or organizations attributing an injury to your business. […]

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Understanding Your Business Interruption Insurance

business interruption insurance

Business interruption insurance is probably one of the most valuable insurance coverages a business can secure. Also known as “business income insurance”, this type of property and casualty insurance covers income losses due to a disaster. It’s slightly different than “time element” coverage. Time element coverage refers to insurance coverages that are tied to a period […]

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Sea Levels on the Rise – Do you need Weather Risk Insurance?

According to an official with the National Oceanic and Atmospheric Administration, sea levels could rise by much more than originally anticipated, and much faster, according to new data being collected by scientists studying the melting West Antarctic ice sheet. Looking at extreme temperature indices from more than 40 years ago and now, “things are different,” […]

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Risks Ahead. Property Damage Due to Extreme Weather

According to the National Oceanic and Atmospheric Administration, 2015 was the second hottest year on record in the 48 states.  10 extreme weather and climate events together accounted for over $10 billion in property damages.  2015 was also the 19th straight year the annual average temperature exceeded the 20th century average.  2016 could be even […]

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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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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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Insurance for Landscapers – No Coverage for Trees and Shrubs or Plants qualifies for KMRD HALL OF SHAME


This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. A commercial landscaper utilized a carrier that aggressively targets his industry and controls a large market share of landscapers in the region.  A significant risk surrounds the requirement to deliver plant and tree inventory to their jobsites prior […]

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Risks Ahead…Be careful of grill fires

Grill Fire

In excess of 5,500 grill fires occur on residential property each year, according to the U.S. Fire Administration. These fires can spoil an otherwise lovely afternoon by causing an average $37 million in damages, 100 injuries and 10 deaths. In addition, thousands of people visit emergency rooms each year from burns suffered while barbecuing. Malfunctioning […]

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