Property & Casualty

Make Sure You Aren’t Grounded by the Real ID Act

Make Sure You Aren’t Grounded by the Real ID Act

Don’t miss an important meeting or family gathering, and don’t be that person who makes everyone else wait in line. Real ID is set to become a new requirement in the security process for flying in the United States, and
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Abuse and Molestation Liability

Abuse and Molestation Liability

The possibility of a costly abuse claim arising is a very real threat for organizations that provide care or services to vulnerable populations, including children, the disabled and the elderly. Abuse can take a variety of forms as it can
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Do You Need Stop Gap Coverage?

Do You Need Stop Gap Coverage?

Employees injured on the job may be eligible to receive workers’ compensation benefits without regard to fault. In return for these benefits, the injured employee agrees not to sue his or her employer. Generally workers’ compensation is the sole remedy
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Seven Insurance Policies for Small Businesses

Seven Insurance Policies for Small Businesses

With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for small businesses. The Safegard Group, Inc. is here to help explain the types of insurance policies available and how
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Common Exposures for Nonprofit Organizations

Common Exposures for Nonprofit Organizations

Nonprofit organizations provide essential social services that benefit the community and their members. However, even if your organization doesn’t sell a product or generate profit, there are still a number of potential risks that can affect your employees, assets, volunteers,
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How Canada’s New Electronic Logging Device (ELD) Rules Affect U.S. Companies

How Canada’s New Electronic Logging Device (ELD) Rules Affect U.S. Companies

The Government of Canada announced its new electronic logging device (ELD) rule June 13, 2019. ELDs are integrated into commercial vehicle engines in order to ensure that commercial drivers stay within their daily driving limits and accurately log their work
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Common Exposures for Veterinarians

Common Exposures for Veterinarians

Veterinarians are passionate about caring for animals, and running an effective business is a great way to assist with that goal. They invest time, energy and money to deliver the best possible care to their animal patients. However, owning a
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Fitness Centers: Common Exposure

Fitness Centers: Common Exposure

Fitness centers are popular destinations for those looking to get in shape, and the owners and operators of these facilities are passionate about helping their members better their health. However, to best serve their members, owners of fitness centers need
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Commercial Property Insurance Rating

Commercial Property Insurance Rating

Understanding the outside factors that impact your commercial property insurance can be complicated, particularly for those with little to no knowledge of what goes into the underwriting process. While the type of business you’re in, your location and the state
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NFIP: Government Announces Changes to the National Flood Insurance Program

NFIP: Government Announces Changes to the National Flood Insurance Program

The Federal Emergency Management Agency (FEMA) is expected to unveil significant changes to the National Flood Insurance Program (NFIP) on March 25, 2019. The changes, which alter the way homeowners are charged for flood risks, could go into effect as
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NCAA Tournament is Here: Is Your Office Ready?

NCAA Tournament is Here: Is Your Office Ready?

Every March, the NCAA Division I men’s basketball tournament featuring 68 teams takes place. With the first-round games set to start during the workday on Thursday, March 21, it’s important that your office is ready to address the potential negative
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Business Interruption Insurance: Coverage in Action

Business Interruption Insurance: Coverage in Action

Continuity is critical in business, and there are few things more important than continuous revenue and cash flow, particularly for small to medium-sized organizations. In fact, just one brief business interruption can be incredibly costly for an organization, often leading
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Blockchain: What is it and How Will it Impact Business?

Blockchain: What is it and How Will it Impact Business?

The internet, smartphones and other online technologies have helped businesses streamline their supply chains and inventories. However, human error, software incompatibilities between vendors and a lack of transparency can cause even the most efficient operations to experience time-consuming and costly
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Understanding Commercial Property Coinsurance

Understanding Commercial Property Coinsurance

Coinsurance is one of the most complicated and misunderstood terms in insurance. This concept is commonly included in a number of different policies, including property, health and directors and officers. However, coinsurance works differently for each type of coverage, and
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Data Breach: A Growing D&O Concern

Data Breach: A Growing D&O Concern

A data breach can be a devastating event, affecting a company financially and damaging its reputation with customers. But as a director or officer at your company, you face litigation risks based on the decisions you make following a breach
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