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?  That...

It has been said that unless you understand history, you will repeat it. That proves true with loss experience. Lack of understanding and...

Social media and the news feeds are full of stories with insurance companies cancelling policies. This headline makes for a strong click...

Water Temperature The first control point is the proper setting of the temperature for your water heater. If your water heater is used...

Subrogation is the process where an insurance carrier stands in the place of the insured and pursues a claim against a third party to...

Why you need an insurance agent...

Commercial general liability and commercial auto policies typically have an occurrence limit of $1 million. If you find that you need...

General liability insurance protects you from claims that result from property damage or bodily injury. If the cause of the claim is a...

We all engage in either providing services to others or engaging others to provide services to us. These events routinely involve a...

If you have products or services in the stream of commerce, you have a product liability exposure. If there is an event that causes...

Americans consumed $6.07 billion in alcoholic beverages in May of 2021 (statista.com). This compares to $4.35 billion in May of 2019. ...

Emergency action plans are required in OSHA regulations. The OSHA regulations show their age by focusing on traditional fire drills and...

How to manage your exposure to the most common liability claim

Additional insured status runs in one of two directions: asking for additional insured status from someone or providing additional...

Our prior review of the Life Safety Code and Emergency Lighting highlighted the structure of the code and the provisions in place to...

Certificates of Insurance – a Quick Review The most common request we get for policyholder service is providing a certificate of...

We previously reviewed an overview of the Life Safety Code. This continues that discussion to focus on emergency lighting. Emergency...

One constant in commerce today is the desire to shift liability to someone else. In the insurance business we call this risk transfer....

Businesses are required by OSHA standards to have an emergency action plan. The emergency action plan requires that you have provisions...

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...