Businesses must deliver their goods. In most cases this means by planes, trains, and automobiles. This means that your goods leave your...

Traditional property and casualty insurance products have insulated themselves from cyber issues. The standard commercial property policy...

The recent high profile ransomware attacks have brought this issue to the front page. Cyber security breaches are growing at an alarming...

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

Equipment breakdown is the new name for boiler and machinery insurance. Many people inside and outside of the insurance industry do not...

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

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...

One of the most common ways that a property can lose sprinkler credits from insurance rating services is failure to perform routine...

The National Council of Compensation Insurance (NCCI) calculates the Experience Modification Rate (EMR) that is used in pricing your...