Property & Casualty

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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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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