Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

How to Keep Your Office Safe From Cyber Crime

Cyber crime is criminal activity carried out on the internet. It can be a crime such as hacking, spamming, or phishing in which a specific device is the object of the crime, or a crime in which a device is used as a tool to commit an offense. Common cyber crimes include identity theft, unauthorized computer access, online theft of bank information, and online predatory... Read Article

Surety Bonds: What You Need to Know

Entrepreneurs and small business owners are often required to purchase surety bonds. Although they are commonly confused with insurance, surety bonds are a different thing entirely. They provide a guarantee that a corporate entity or individual will fulfill a contract or a duty in accordance with applicable laws and regulations. They also provide fiscal protection for project owners, employers, and the public. How Do Surety... Read Article

Pollution Liability: Are You Covered?

Environmental laws are always changing, and you don’t want to be caught without proper liability protection. After the mid-1980s, pollution liability has been typically excluded under standard commercial general liability policy, making separate coverage for pollution liability necessary. Environmental clean-up projects can cost millions and lawsuits could arise where a third party could be injured by toxic substances produced by your work. Business owners and independent contractors... Read Article

What is a Waiver of Subrogation?

Today, it’s not uncommon for companies to require that any contractor working at their job sites provide them with proof of a defined level of insurance coverage that includes a waiver of subrogation. But what is a waiver of subrogation? Before explaining this, one must first understand what subrogation is. From a legal standpoint, subrogation means the right of one person to step into the... Read Article

Prepare Your Office for the Summer Heat

Working in a hot office all day can affect employee morale and productivity. It makes sense for business owners to prepare in advance for scorching summer days. The following tips can help you beat the heat and create a more comfortable office environment. Make Sure Your HVAC System is in Top Running Order When temperatures are climbing, an efficiently running HVAC system can make all... Read Article