Ticks in the Summer
Summer is the season when ticks make their presence known. The warmest months of the year present the ideal conditions for ticks to thrive.
News & Blog
We believe that staying informed is essential for managing risk effectively. Explore our latest insights into industry trends, product updates, and business protection strategies.
Benefit of Telematics
Telematics systems have emerged as one of the essential tracking tools for companies operating in the transportation industry.
What do Job Candidates Look for in a Company?
It is a buyer’s market for job candidates, especially professionals that have compiled an impressive record of achieving success
How Overall Safety Can Help Reduce Insurance Premiums
Unfortunately, far too many companies ignore the sage wisdom displayed by Franklin.
How to Prevent Falls From Heights
Falling from a height can cause serious, even life-threatening injuries depending on how far a victim falls.
What is Cyber Phishing
Phishing represents a form of a cybersecurity attack in which someone sends messages designed to manipulate the receiver
Proper Disposal of Oily Rags on Construction Sites
A majority of the safety protocols at construction sites originate at the office of OSHA.
Designing the Right Social Media Strategy for your Insurance Business and Audience
According to Hootsuite, the average consumer has a social media account on eight platforms. In 2020, nearly 45 percent of online users referred to social media to research brand information. That percentage is expected to grow as more social media channels go online.
How to Use Propane Heaters Safely
Propane heaters provide an additional source of heat for rooms that do not receive enough warm air from an HVAC system. They are also particularly helpful on construction sites during winter months when heat systems may not yet be installed.
Understanding Subcontracting Exposures and Contractual Risk Transfer
A contractor is hired to remodel a store in a busy commercial area. The contractor’s painting subcontractor leaves a bucket of oily rags in the alley next to the store overnight, and they ignite, completely destroying the neighboring building. The cost to replace the building and its contents is over $2.8 million. The contractor’s contract with the painting subcontractor contains an Additional Insured provision, but it only requires the subcontractor to carry liability limits of $500,000. The subcontractor has no assets beyond the policy’s $500,000 limit, and the contractor is sued for the additional $2 million plus in damages. The contractor’s own liability insurance carrier must defend against the lawsuit and pay any covered amounts up to the limits of liability coverage. This is where knowledge of Contractual Risk Transfer is crucial.