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Product Listings – What they are and why you should care…
The electronic picture frame was a Christmas present. It was made in China. Is this safe to plug in and leave powered up 24/7? Â That...
cbeckman98
Mar 254 min read
5 views


Loss Analysis – A valuable tool for managing your risk
It has been said that unless you understand history, you will repeat it. That proves true with loss experience. Lack of understanding and...
cbeckman98
Mar 123 min read
8 views


Cancellation and Non-Renewal – Is there a difference?
Social media and the news feeds are full of stories with insurance companies cancelling policies. This headline makes for a strong click...
cbeckman98
Jan 304 min read
75 views


Do you Cook in Your Bathtub?
Water Temperature The first control point is the proper setting of the temperature for your water heater. If your water heater is used...
cbeckman98
Oct 29, 20244 min read
15 views


Risk Transfer – Waiver of Subrogation
Subrogation is the process where an insurance carrier stands in the place of the insured and pursues a claim against a third party to...
cbeckman98
Aug 22, 20232 min read
18 views


Just Get Me a Quote!
Why you need an insurance agent...
cbeckman98
Apr 27, 20232 min read
38 views


Commercial Umbrella Liabililty
Commercial general liability and commercial auto policies typically have an occurrence limit of $1 million. If you find that you need...
cbeckman98
Oct 10, 20223 min read
135 views


Professional Liability Coverage
General liability insurance protects you from claims that result from property damage or bodily injury. If the cause of the claim is a...
cbeckman98
May 24, 20223 min read
124 views


Risk Transfer - Contract Review
We all engage in either providing services to others or engaging others to provide services to us. These events routinely involve a...
cbeckman98
Dec 21, 20213 min read
38 views


Product Liability - Causes of loss
If you have products or services in the stream of commerce, you have a product liability exposure. If there is an event that causes...
cbeckman98
Nov 2, 20214 min read
53 views


Liquor Liability - What you need to know...
Americans consumed $6.07 billion in alcoholic beverages in May of 2021 (statista.com). This compares to $4.35 billion in May of 2019. ...
cbeckman98
Oct 12, 20214 min read
18 views


Emergency! — Do you have a plan?
Emergency action plans are required in OSHA regulations. The OSHA regulations show their age by focusing on traditional fire drills and...
cbeckman98
Jun 29, 20213 min read
15 views


Slip and Falls - Manage the risk
How to manage your exposure to the most common liability claim
cbeckman98
Jun 1, 20214 min read
15 views


Additional Insured Status - The basics
Additional insured status runs in one of two directions: asking for additional insured status from someone or providing additional...
cbeckman98
Apr 20, 20212 min read
93 views


Means of Egress - Getting out of trouble...
Our prior review of the Life Safety Code and Emergency Lighting highlighted the structure of the code and the provisions in place to...
cbeckman98
Apr 6, 20213 min read
17 views


Certificates of Insurance - Risk Transfer Tool
Certificates of Insurance – a Quick Review The most common request we get for policyholder service is providing a certificate of...
cbeckman98
Mar 30, 20213 min read
27 views


Shedding light on Emergency Lighting
We previously reviewed an overview of the Life Safety Code. This continues that discussion to focus on emergency lighting. Emergency...
cbeckman98
Mar 16, 20212 min read
18 views


Risk Transfer
One constant in commerce today is the desire to shift liability to someone else. In the insurance business we call this risk transfer....
cbeckman98
Mar 9, 20212 min read
23 views


Life Safety and Emergency Planning – Life Safety Code
Businesses are required by OSHA standards to have an emergency action plan. The emergency action plan requires that you have provisions...
cbeckman98
Feb 23, 20212 min read
25 views


Have You Updated Your Smoke Alarms?
Smoke detectors entered the codes in 1971. Smoke alarms were to be installed on the main floor of the residence. In the early 1980’s some...
cbeckman98
Dec 8, 20202 min read
28 views
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