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Holiday Safety: Don’t Drink and Drive

holiday drink

Someone dies in an alcohol-related traffic accident every 45 minutes in the United States. A startling statistic, this problem is compounded during the holiday season when more drivers are on the roads and alcohol is frequently included in the festivities. Designate a Driver The safest choice when driving is not to drink at all. If […]

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Common Auto Insurance Terms

terms

Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker: Accident report form: Sometimes […]

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Holiday Stress: Traveling

holiday travel

The holiday season is the busiest time of the year for long-distance travel. Flights are often overbooked and highways are overcrowded, which can add stress to the season. Keep Your Sanity To keep travel worries from ruining your holiday plans, reduce your stress by planning ahead. Use the following tips to help you stay in […]

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Contractors Pollution Liability Insurance

contractors liability pollution

Contractors, no matter what industry they work in, face environmental risks stemming from operations on a daily basis. For most contractors, a single pollution incident or loss can seriously damage their reputation, operations and even their balance sheet. Making matters worse, pollution incidents can be sudden or occur gradually over time. While many assume that […]

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Liquor Liability Insurance

liquor liability

Serving alcohol is a common practice for restaurants, bars, catering companies, entertainment venues and similar establishments. While providing a wide array of beverage options is important, serving alcohol in particular can create a variety of risks for business owners. For instance, if a patron of your business becomes intoxicated and injures a third party or […]

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Benefits of Raising Your Limits

auto limits

Did You Know? Insurance is mandatory in order to operate a vehicle in the United States, and every state has specific coverage limits that you must meet. While meeting these minimum limits may be enough to get you on the road, they are often inadequate if you are involved in a serious accident. As such, […]

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What to Expect When Applying for Cyber Insurance

cyber insurance

Every insurance policy starts with an application, and cyber liability insurance is no different. While the underwriting process in long-established insurance lines is streamlined, this is not the case for cyber liability insurance. Currently, application forms for cyber insurance are not standard and can be complex—often consisting of dozens of pages. For businesses attempting to […]

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Social Engineering Fraud Coverage

social engineering fraud

Social engineering fraud (SEF) is a type of fraud that’s become increasingly common over the last several years. However, even though many instances of this fraud transpire over email communications, it’s a company’s crime policy—not a cyber policy—that would often provide coverage in the event of an SEF loss. That’s why it’s especially important to […]

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Social Engineering

social engineering

Reliable security systems can prevent losses for your business. While many businesses invest large sums of money into building sound physical structures and robust IT systems or even hiring on-site security guards, they often overlook the biggest security vulnerability—people. No matter how dependable security systems might be, people with authorized access to those systems will […]

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