Property & Casualty

Multicultural Workplace Management

Multicultural Workplace Management

With today’s global economy and the growing ethnic and racial diversity found throughout the country, multicultural workplaces are becoming the norm for many employers. Though diversity in the workplace is a positive thing, it can also present unique challenges to
Learn more
Eldercare Facilities and Pollution

Eldercare Facilities and Pollution

In a still struggling economy, eldercare is one of the few growth industries in the United States and is expected to continue expanding. As you likely realize, eldercare is a very unique industry as well, and faces its own distinct
Learn more
FCRA Compliance for Employers Using Consumer Background Checks

FCRA Compliance for Employers Using Consumer Background Checks

The Fair Credit Reporting Act (FCRA) is a federal law that restricts how consumer information may be gathered, shared and used. While many of its requirements apply only to businesses that compile and provide consumer information (such as credit or
Learn more
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
Learn more
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,
Learn more
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
Learn more
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)
Learn more
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
Learn more
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
Learn more
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
Learn more
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
Learn more
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
Learn more
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
Learn more
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
Learn more
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
Learn more