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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Risks Ahead. Watch out for foodborne illnesses!

Foodborne Illness

The very young, the elderly, and persons with weakened immune systems are at greatest risk of serious consequences from foodborne illnesses. The Federal government estimates there are about 48 million cases of foodborne illness annually—the equivalent of sickening 1 in 6 Americans each year. Each year, foodborne illnesses result in an estimated 128,000 hospitalizations. These […]

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Winter Risks Ahead. Winter begins in two weeks, and with it come these risks

Winter risks

From 1994 – 2013 insured winter storm catastrophe losses totaled more than $1 billion a year on average. Approximately 23% of vehicle crashes each year – nearly 1,312,000 – are weather related. 17% occur during snow or sleet. Water damage and freezing account for almost 22% of homeowners insurance claims, with an average of $4,024 […]

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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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Fitness Exclusion on Fitness Center Insurance Program

This scenario represents an actual coverage flaw in an insurance program of a well-run, profitable business. A popular fitness center’s General Liability policy included the following endorsement. Isn’t it obvious?! Hire the insurance professional with a proven system to make sure every detail of the policy is reviewed and negotiated to meet the needs and concerns of your management team. […]

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Risks Ahead. Americans are twice as likely to get food poisoning from food prepared at a restaurant than from food prepared at home

Risks Ahead. Call KMRD

The Federal government estimates there are approximately 48 million cases of food-borne illness annually. Approximately 1 in 6 Americans get sick, 128,000 are hospitalized and 3,000 die of food-borne diseases. The very young, the elderly, and persons with weakened immune systems are at greatest risk of serious consequences from most food-borne illnesses. For more information […]

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No Coverage for Work in Excess of 35 feet – Insurance Coverage Quality Control HALL OF SHAME

This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. General liability and umbrella policies for contractors included endorsements removing coverage for work on buildings in excess of 3-stories or 35 feet. The client just finished explaining they were working on the top floor of a building similar to the […]

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Hall of Shame – Injury to Independent Contractors Exclusion Creates Severe Coverage Gap


This exclusion removes coverage for any work done by an independent contractor: Here is an outline of an everyday exposure for a typical (ABC) company that utilizes subcontractors (as you know, there are not many companies who do not use a subcontractor in some capacity): This exclusion removes coverage for any claims arising out of […]

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