Property & Casualty

Builders Risk Insurance Basics

Builders Risk Insurance Basics

Building and construction projects are complicated with no shortage of things that can go wrong. With everything that can happen during the construction process, it is essential to have the proper insurance in place. Of all of the different insurance
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Bakeries: Common Exposures

Bakeries: Common Exposures

Running bakeries can be demanding, and it’s a constant challenge for owners to deliver exceptional goods while maintaining profitability. These challenges are magnified when you consider the need to balance risks related to property damage, premises liability, equipment breakdowns, crime
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3D Printing and Your Supply Chain

3D Printing and Your Supply Chain

At one time, the concept of 3D printing may have seemed like science fiction. These days, however, the technology is revolutionizing how companies across a variety of industries—including engineering, medical, biotechnology, education and manufacturing—are able to design, develop and distribute
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The Elements of a Product Liability Prevention Program

The Elements of a Product Liability Prevention Program

Your customers expect you to have safe and reliable products, and failing to meet these expectations can lead to huge financial losses. If one of your products hurts a customer in any way, they can sue your business, leading to
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Handling Insurance Carrier Recommendations

Handling Insurance Carrier Recommendations

As a business owner, you take on a certain level of risk—it’s unavoidable. Losses related to fires, floods, workplace accidents, products liability and other kinds of exposures are common for organizations of all kinds. To address these concerns, the right
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New Jersey Bans Salary History Inquiries

New Jersey Bans Salary History Inquiries

On July 25, 2019, New Jersey enacted a new law that prohibits all employers in the state from asking job applicants about their past salaries or using past pay information to screen applicants for employment consideration. The new law, which
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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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