The risk of damage to your property, due to fire or another covered coss of loss, is always a major concern. In many cases, you may want to resume use of your damaged property for any number of reasons; proximity…
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Electricity can do amazing things; whether it’s charging your cell phone or powering entire cities, it is something that has changed our world and technology as we know it. One of my first experiences with the power of electricity came…
According to Statista, total retail and food services sales in the United States totaled 5.32 trillion dollars in 2015.[i] This includes perishable foods, which is food that “will spoil the most quickly and require refrigeration.”[ii] A recent article…
Illicit drug use and drug addictions are an unfortunate occurrence that we often see broadcasted on the evening news or even directly affecting the people we know. Businesses are not exempt from facing this epidemic as the use of drugs…
Greater than 50%. Those are the odds your important personally identifying information (PII) was exposed in the 2017 Equifax data breach. You are forgiven, if the September 2017 announcement of the breach now seems like ancient history, but it’s critic…
We keep a lot of important information stored safely away on our computers. We trust that the next time we power on the device, it will be there for us to use…until it’s not. For me, the situation became all…
When we think of leadership, we often think of upper management – the “big dogs.” However, have you ever stopped to think about the people you admire? Have you thought about the people who made a difference in your own…
In recent years, we have seen many scandals at a number of corporations involving issues such as bribery, personal misconduct, and several glaringly egregious business practices.[i] The result of these scandals has led to reduced corporate profits as w…
When underwriters think about risk, perils such as fire and theft come to mind. One risk that can be overlooked is improperly underwriting multiple named insureds. This article will discuss the importance of underwriting named insureds. A key element o…
During my time in the military, a common phrase I heard while training in the field was, “hydrate or die”. Although it may not have been the best way to put it, it was an effective reminder to keep hydrated…