Property & Casualty

ADA Website Compliance to Avoid Lawsuits

ADA Website Compliance to Avoid Lawsuits

The Americans with Disabilities Act (ADA) of 1990 prohibits discrimination based on disability. This means ensuring that everyone has reasonable access to all areas of public life. Although the ADA doesn’t explicitly mention the internet, the federal government has taken
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Drug and Alcohol Test Standards for CMV Drivers

Drug and Alcohol Test Standards for CMV Drivers

According to the U.S. Department of Transportation, professional drivers and others behind the wheel of a commercial motor vehicle (CMV) will be subject to drug and alcohol testing in certain situations. Testing may be required pre-employment, post-accident, with reasonable suspicion,
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Working Alone and Employee Safety

Working Alone and Employee Safety

Across all industries, certain workers may be required to be working alone. Whether it’s due to staff shortages, late-night shifts, the nature of the job or for other reasons, employees who are working alone tend to be more vulnerable than
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Delaware Workers’ Compensation – Employer Responsibilities

Delaware Workers’ Compensation – Employer Responsibilities

Workers’ compensation is a system of no-fault insurance that provides medical and monetary benefits to employees for work-related injuries, diseases and deaths. Workers’ compensation is governed by state law and Delaware is no exception. The Delaware Workers’ Compensation Law (WCL)
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Bundling Commercial Policies

Bundling Commercial Policies

Insurance carriers realize that offering additional lines of coverage to an existing customer is less expensive than trying to attract new customers. They also know that the more lines a given customer has, the longer they’re likely to stay with
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Cyber Attacks Endanger Commercial Control Systems and Infrastructure

Cyber Attacks Endanger Commercial Control Systems and Infrastructure

More than ever before, organizations are aware of the potential financial impact of cyber attacks. Many wrongfully assume that the steep, monetary burden of a cyber attack is exclusively tied to damaged digital assets, lost records, and the price of
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Which Federal Employment Laws Apply to My Company?

Which Federal Employment Laws Apply to My Company?

There are a number of different federal employment laws that have their own rules for covered employers. Employers should be aware of the federal employment laws that may apply to their company. An employer’s size, or number of employees, is
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Defibrillators (AED) Save Lives but Require Additional Considerations

Defibrillators (AED) Save Lives but Require Additional Considerations

The Centers for Disease Control and Prevention estimates that approximately 600,000 Americans die from various heart diseases each year. Most of these deaths are due to the sudden loss of heart function or sudden cardiac arrest. Of cardiac arrest cases
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Pollution Liability Insurance: A Guide to Help Manage Your Changing Exposures

Pollution Liability Insurance: A Guide to Help Manage Your Changing Exposures

Pollution and environmental conditions are growing exposures for many businesses, exposures that are not covered under standard insurance policies. A steadily increasing focus on the environment paired with an expanding list of known pollution sources have led to many recent
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Benefits of Business Interruption Insurance

Benefits of Business Interruption Insurance

Continuity is critical in business and there are a 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
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National Electrical Safety Month: Safety Matters – Avoid Electrical Shock

National Electrical Safety Month: Safety Matters – Avoid Electrical Shock

As you go about your work tasks that involve portable electric tools, you may not give much thought about the hazards electricity can pose through electrical shock. That is why it is so important to take the proper safety precautions
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Protecting Vacant Property

Protecting Vacant Property

In a time when layoffs and foreclosures are widespread, your firm may be forced to manage vacant property. The insurance risks and liabilities associated with owning unoccupied property can be extensive. To ensure you are adequately protected, it is important
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Workplace Wellness Programs to Reduce Workers’ Compensation Costs

Workplace Wellness Programs to Reduce Workers’ Compensation Costs

By implementing workplace wellness initiatives, many companies are taking proactive measures to help with decreasing health issues affecting their employees. This is particularly important because of the following: The working population is aging, with the national average around 42 years
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Preparing for an  OSHA Visit

Preparing for an OSHA Visit

Use the guidelines below to help prepare for an OSHA visit and inspection. What triggers an OSHA visit and inspection? An OSHA visit and inspection can be triggered by any of the following: Planned inspection Complaint National/local emphasis program (e.g.,
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Benefits of Non-Owned Auto Liability Insurance

Benefits of Non-Owned Auto Liability Insurance

Regardless of the industry you operate in, it’s likely your employees need to operate vehicles for tasks like client visits, product deliveries and product pickups. While larger organizations often provide insured company vehicles to their staff for daily use, small
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