Property & Casualty

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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Making a Flood Claim

Making a Flood Claim

Heavy rain, storm surge, hurricanes and other severe weather events can lead to devastating floods that cause extensive damage leading to a flood claim. According to the Federal Emergency Management Agency (FEMA), flood damage totaled over $8 billion in 2017
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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
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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
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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
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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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