When I’m completing a risk management review for one of our commercial partners, the most common area of losses we discuss are fleet claims. Whether your company has one vehicle or 100, having drivers out on the roadway poses a…
Boiler & Machinery is an antiquated term once used to describe a separate policy that offered coverage for causes of loss such as mechanical breakdown, electrical surges, explosion of steam boilers, steam pipes, etc. This separate policy was needed…
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…
Imagine you and your family are enjoying that long-awaited camping trip in the mountains. The tents are up, the car is unpacked, and your guitar is propped up against the nearby tree ready to play campfire songs. But first, you have…
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…
Most appliances require attention every now and then to continue running at peak efficiency, and air conditioning units are no exception. Neglecting maintenance will lead to poor performance and a shortened unit life. With the warmest weather of the ye…
Wood burning stoves are commonly used to heat homes or businesses because it is a cheaper alternative to other heating systems, especially for those who have quick access to standing timber. Growing up in rural, Northwest Ohio, my family used…
If you had the opportunity to take a few seconds out of your busy day to keep your home, your loved ones, and your most valuable possessions safe, would you do it? Why take the chance of something disastrous happening,…
Last year, there were a rash of car break-ins at my gym. Fortunately, I was not affected. The thieves gained entry with the smash-and-grab approach because the purses and wallets that were stolen were visible from the outside. Apparently, this is a…