As  winter sets in here are the things you should evaluate. Fire sprinkler systems need your attention to prevent a freeze event that can either impair protection or cause water damage. Frozen sprinkler piping can easily cause a major property and business interruption loss at your property. Building Temperature for wet pipe systems Wet pipe sprinkler systems are filled with water and must be kept above 40 degrees F to prevent damage. If you have any areas of your building wh

Getting the carriers to see you as a good bet means you have to take the process under your control.  You can avoid the pain.

We Have a Great Opportunity. With the holidays quickly closing in I have a hard deadline to meet. My client needed his insurance program put together and bound by Thanksgiving. After that he was too busy to discuss insurance. Named Insured was Santa Claus. I still need to determine the type of entity we need to insure. Is this an LLC, C Corp, or a partnership? If other entities are involved, we need all the details for the correct named insureds. Property coverage is for a w

Most businesses have cyber security protection for their laptops and desktop computers. There are two points of entry into your network that may not get the attention they deserve. Copiers and Printers A common office machine that can print, scan copy and fax is extremely useful. This machine can be shared by multiple users, including remote users. It can stage multiple print jobs and have a print queue when it is busy. The connection to a network and internal data storage ma

With the start of the holiday season there are safety and risk management considerations that will prevent you getting a lump of coal in your risk management stocking.   Lighted decorations  Everyone enjoys a festive light display. If you are creating your light show, keep these safety issues in mind. The lights you use should be UL listed for the location of use. Check to see that your lights are listed for outdoor use. Many low-cost lighting products that are not UL listed

Your insurance company may request that Verisk, formerly ISO, come out to your property and conduct a survey to establish the base loss costs for your property. While many carriers say they do not use the Verisk loss costs, they do use the data collected during this process. Inaccurate data can lead to incorrect construction classifications and no sprinkler credits given. This information will persist until another insurance company orders and pays for a new survey. Your prop