You Need Employee Benefits Liability Coverage

Let’s be honest – we all make mistakes. However, depending on your responsibilities, some mistakes are more costly than others. If you are the human resource manager for your company (or even just acting as such, as many companies do not have dedicated HR managers), an honest mistake can become an unbearable financial burden for…

You Need Employee Dishonesty Coverage

We would all like to believe that when employees sign the company handbook they are promising to fully respect the property, values and private business information of an organization. Though a majority of the time employers have a good eye for hiring the ideal employees, it’s still best to protect yourself against the worst of…

Weddings, Vacation and Event Insurance

Insurance is purchased constantly for one specific reason – to protect individuals, property and investments from unexpected or unfortunate occurrences. Though we would like to believe that when we are hosting an event or celebration, or planning a wedding, we could avoid unforeseen disasters, it’s simply not reality. With upfront fees, deposits and countless expenses…

Meritless Claims Can Still Hurt You

Most every business owner will tell you that they know the possibility of a sexual harassment allegation or employment discrimination claim against their business is out there. However, most would also tell you that they don’t think such exposures really exist in their business – it is, after all, a small business where everyone knows…

Out of State Workers

These economic times are trying for workers in every industry – especially construction. Contractors have to find work wherever they can. Oftentimes this means leaving their hometowns to travel out of state to obtain contracts. The problem is when contractors cross state lines, gaps in their insurance policies may surface. Every state has its own…

Avoiding OSHA Fines and Penalties

The U.S. Department of Labor’s Occupational Safety and Health Administration (OSHA) has levied its largest fine in history against BP North America – to the tune of $87 million. As an employer, it is critical to know what your responsibilities are before an accident or other event occurs. As trusted advisors, it is the goal…

Back to the Tennis Match

So where are we on health care reform? “I know I heard something about it in the news the other day, right?” It seems that keeping up with the Patient Protection and Affordable Care Act (PPACA) is like watching a big tennis match. So far in 2011, on Jan. 19, in the first big vote…