The hard sell on home warranties is on TV and in your mailbox. Some of the direct mail items look like bills or seem to be from a utility company. All share the scary stories about how owning a home is now a nightmare because of repairs. The answer is buying a home warranty product. This a truly a time to read before you buy. Do not rely on the advertising, look at the actual product to see what is being offered. Limits Can Be Low These products have specific limits for eac

For most insurance companies, the frequency of water damage claims is the leading claim type. The costs of these events can be staggering. The level of disruption caused by the damage is often an additional source of claim dollars and lost time and revenue. The Exposure The exposure to a water damage claim is present in any building. From bathroom fixtures, kitchen appliances, laundry equipment, heating and cooling systems and host bibs in your home, any failure of these can

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