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 important decisions to be made concerning your property insurance is the values that you set for the insurance policy....

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...

The Federal Motor Carrier Safety Administration (FMCSA) uses seven Behavior Analysis and Safety Improvement Categories—BASIC—to determine...