Fewer Claims = Lower Premiums. These tips can help. Vehicle-related crashes are the leading cause of work-related deaths. In addition to the potential for loss of life, work-related automobile accidents expose businesses to liability risks, legal expenses, lost time, decreased productivity, and increased insurance and workers’ compensation rates. Whether your business leases a single passenger… [Read More]
While any workers’ compensation claims can result in costly ramifications for your organization, one category of claim in particular—known as a “mega claim”—has the potential to carry significant consequences. True to its name, a mega claim is characterized as an exceptionally large claim—typically totaling $3 million or more in incurred losses. In the realm of… [Read More]
Handy tips for any climate. Article adapted from www.chubb.com Even in a desert climate, winter temperatures can sometimes drop below freezing. If you aren’t prepared, an unexpected cold snap can play havoc with your plumbing and vehicles, and could be disastrous if you’re out of town when icy weather blows in. Additionally, many desert dwellers… [Read More]
Protect your property and keep your family safe Wildfire season is here. As of June 15, there were 19 active fires in Arizona alone. Though the threat of wildfires is greater in the western part of the country, they pose a threat in every state. According to the National Interagency Fire Center, over 70,000… [Read More]
Worried about water damage? A water detection device can warn you of leaks before they cause major problems. Choose a Water Detection Device that’s Right for You Individual water sensors Do-it-yourself whole-home devices Automatic shut-off devices Best for Those living in an apartment or condo Renters in single-family homes and price-conscious consumers… [Read More]
Who needs them, when, and why? What Is a Certificate of Insurance? A certificate of insurance (COI) form is a standardized document that provides evidence of insurance coverage. It will include the contractor’s coverage types and liability limits. This certificate also lists the effective date of the policy. Why Is a Certificate of… [Read More]
Are your personal assets at risk? Whether it’s a paid career or a volunteer job, being on the board of an organization can be very rewarding. But it also carries a lot of responsibilities—including the very real risk that you will be the target of legal action if someone feels a decision you’ve made… [Read More]
Don’t drive on autopilot Regardless of how you feel about self-driving cars, the reality is that technology has already changed the way millions of people drive. And not necessarily for the better. If you’re driving a newer model vehicle, chances are it’s equipped with at least a few automatic safety features. This technology is… [Read More]
Tips to prevent and avoid accidents Afraid of flying? Scared of spiders? Freaked out by being in high places? No one wants to think about it, but for most of us, the greatest hazard in our daily lives is getting into a car. According to insurance industry statistics, the average person will be involved… [Read More]
Part III: Reduce the Risk of a Personal Liability Loss This is the third and final part in our series about preventing a homeowners insurance claim. We’ve looked at the 2 biggest causes of claims, water damage and house fires. This column focuses on the less common, but often misunderstood, area of personal liability as… [Read More]
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