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One of the best ways to stay ahead of risk? Stay well informed.
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Top 10 Ways to Control Your EMR
Your experience modification factor, or mod, is an important component used in calculating your workers’ compensation premium. If you can control your mod, you can lower your price — so we’ve gathered top tips to help you impact your bottom line.
Business Risk Liabilities for Snow & Ice
Each business is unique and faces different winter weather challenges; however, maintaining safe premises for workers, clients and other third parties is essential for all organizations. While snow and ice dangers vary from year to year, there are several reasons why businesses need to remove snow and ice from their property, including:
Budget Properly for The Holidays
If you’re like most American consumers, you likely haven’t planned ahead for holiday-related spending and may find yourself struggling for cash come January. Proper budgeting and smart shopping techniques will help you stay within budget while finding something special for everyone on your list. Keep reading to review top budgeting tips.
Inflation Added Up to $106B to Auto Liability Losses From 2013-2022
Inflation—both social and economic—drove personal and commercial auto liability claim costs an estimated $95 billion to $106 billion higher than they would otherwise have been between 2013 and 2022, according to a new report from the Insurance Information Institute (III).
Preventing Property Losses With Infrared Thermography
For commercial property owners and managers, protecting facilities and minimizing potential losses is of utmost importance. One invaluable resource is infrared thermography. This advanced imaging technology is nonintrusive and highly efficient in detecting issues before they escalate into major complications. This article explores the mechanics of infrared thermography and its multiple applications in reducing commercial…
MGM Cyberattack Emphasizes Need for Layered Defenses
The odds are stacked in favor of increasingly bold and sophisticated cybercriminals, as MGM Resorts International and Caesars Entertainment learned this week, meaning organizations need multiple layers of defense and heightened vigilance against social engineering tactics.
6 Factors Driving Commercial Auto Insurance Costs
The commercial auto insurance space has consistently hardened over the past decade, evidenced by ongoing rate increases, limited capacity and other difficult market conditions. In this hard market, most insurance companies have struggled to reach profitability for commercial auto insurance policies. This is largely due to several cost-driving trends impacting the segment. As such, it’s…
Understanding the Roadway Excavation Quality Assurance Act
As the construction industry grows, it's essential to stay aware of the latest developments. The Governor of New York, Kathy Hochul, just recently passed the Roadway Excavation Quality Assurance Act. This legislation will cause a notable impact on contractors and their businesses; making it important that everyone in the construction industry understands the implications of…
Understanding Insurable Interest in Horse Insurance Policies: Leases, Horses on Trial, Purchases over Time Insurance Policies
Leases, Horses on Trial, Purchases over Time The concept of insurable interest is a common topic in equine insurance, especially when clients are working on insuring a horse that they lease, are taking on trial, or purchasing over time. Basically for a party to have an insurable interest in a horse, they would need to…
Protect your Business' Rooftop Assets with Hail Guards
Hailstorms can wreak havoc on a business's rooftop equipment, including its cooling towers, exhaust fans, and heating, ventilating and air conditioning systems. Hail guards are specially designed to protect and cover such equipment while still promoting proper building ventilation. This article highlights the advantages of using hail guards to shield a business's rooftop equipment to…
7 Factors Driving Commercial Property Insurance Costs
Several cost-driving trends have contributed to the hard commercial property insurance market. This environment has led to continuous rate increases and other challenging conditions. In these circumstances, it’s crucial for businesses to understand why premiums have been rising. This article discusses seven factors currently impacting commercial property insurance costs.
2022 EEO-1 Filing Opens October 31, 2023
The U.S. Equal Employment Opportunity Commission (EEOC) announced the 2022 EEO-1 reporting period will open on October 31, 2023. The deadline for employers to file their EEO-1 reports will be December 5, 2023.