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…
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…
School is out and summer is here. Like every other year, these next few months of freedom and sunshine will end faster than you’d like. Whether you are a returning college student, a proud college graduate who just received your…
One of the core concepts of insurance is risk management. The Institutes define risk management as “the process of making and implementing decisions that will minimize the adverse effects of accidental losses on an organization.”[i] Insurance professio…
The day you look forward to your whole life and spend months, or even years, planning for could be ruined in an instant. Your cherished wedding song could turn into the wedding day blues if things go wrong. No matter…