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How to Deal with the ‘Monday Morning Workers’ Comp Surprise’

The "Monday morning surprise" — the term for when an employee approaches you on the first morning of the working week to report an injury he or she sustained at work on Friday — can be a dreaded situation for an employer. Nearly all organizations face this at some point and the injury report is [...]

Small Firms Increasingly Need Directors and Officers Coverage

While directors and officers liability has been traditionally thought of as insurance for publicly traded companies, increasingly it's smaller companies that account for the largest share of exposure among top decision-makers. A study published by the news website Advisen found that over the past 10 years, small businesses accounted for 70% of all D&O insurance [...]

New Cyber Attacks Can Sneak Ransomware onto Your Network

As businesses have gotten wise to malicious e-mails that try to trick their employees into clicking on unfamiliar links in e-mails, cyber criminals have devised a new way to con people into opening up their networks — a method called "BazarCall." Ransomware is a type of malicious software (malware) that blocks a user from accessing [...]

Inflation, Jury Awards Continue Driving Insurance Premiums

Inflation is not just affecting the cost of food and fuel. It's also spilled over to the price of almost every industrial item, as well as building materials and services. Anybody running a business, particularly one that carries inventories or has to invest in machinery or electronics, has seen prices increase on top of wage [...]

Top 10 Reasons You Need a Cyber Insurance Policy

With reports of cyber criminals increasingly focusing on smaller companies for targeted attacks, now more than ever businesses that store sensitive data need to consider how they protect their information systems. And while you can install firewalls and take other precautionary measures, should an attack occur, you will be left facing untold costs and possible [...]

Why Every Business Needs Hired and Non-Owned Auto Coverage

Even if you have company cars or a fleet of vans, occasions may arise that require an employee to run an errand in their personal vehicle or one of your employees needs to rent a car while on a business trip visiting a client. In these circumstances if you don't have the proper coverage, you [...]

Don’t Get Caught Holding the Bag If Your Company Is Sued

There is no set formula regarding how much liability insurance a business needs. However, the more coverage you have, the more bulletproof your company becomes. If you are running a very successful business, you will probably want minimal disruption if an incident occurs in which you may be seen as liable. Therefore, the more coverage [...]

How to Avoid Having Your Cyber Claim Denied

As online threats continue growing, businesses need to consider securing cyber insurance policies that can help defray the costs of an attack on their network or a theft of their employees' or clients' personally identifiable information. For some companies coverage is an absolute necessity. Businesses are faced with increasing threats and cyber criminals are constantly [...]

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