Smoke Damage after a Fire – A potential total Loss? The insurance business is based on the law of large numbers and the use of historic data to guide its decision making. The past history of fire losses have treated smoke damage as a secondary issue. It meant smoke damage after a fire was a cleanup issue and if needed seal with a coating to make it go away. The primary issues were appearance and odor.  This approach was based on a hundred years of experience with fires that w

The eBike has changed the nature of the bicycle forever. It is now practical to commute for longer distances, over more challenging terrain and at higher speeds. eBikes are generally described within three different classes. Class 1 Electric Bicycle — A bicycle equipped with fully operable pedals and an electric motor of less than 750 watts that provides assistance only when the rider is pedaling and ceases to provide assistance when the bicycle reaches the speed of 20 miles

Special Event Insurance There can be many events and celebrations in your life. Those that you host and organize may have some loss exposures that fall outside of your personal lines insurance program. You can reduce the stress around these events by placing a special events insurance policy to relieve the financial burden if things do not go as planned. Here are some of the things that a special event policy will address.   Event Cancellation – From a winter storm that make

A Professional Guide for Employers Clear Compliance Steps for Safety Managers and HR Professionals Introduction OSHA recordkeeping and reporting are essential for tracking workplace injuries and illnesses, improving safety, and ensuring regulatory compliance. Accurate records help employers identify hazards, implement controls, and demonstrate their commitment to workplace health and safety. Enhanced Reporting Program for High Hazard Industries Establishments with 100 or more

Indentifying and Knowing When we ask a client who their insurance company is they often answer with the name of their agent. We are flattered that you identify with Driehaus Insurance, but beyond our company is the insurer who provides the policy terms and conditions that will ultimately determine your claim settlement. You should know exactly who this is. Here are some of the terms that are important in identifying and knowing your insurance company. Admitted versus Non-Admi

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