Posts in Commercial Insurance

  1. Stop the Stigma; Prevent Abuse with Risk Management

    Did you know that one in four girls and one in six boys will experience some type of physical, sexual, or mental abuse, and that 80% of abuse cases go unreported? The expansion of the #MeToo movement has brought to light the severity and frequency of abuse scenarios, and has also aided in breaking down […]

  2. Experience Modification Rate De-Mystified: How It Affects Your Workers’ Compensation Premium

    As a commercial business owner, you may have heard about the Experience Modification Rate (EMR), but what is it, and how is it calculated? It’s important to understand because it affects your workers’ compensation insurance premium, and an expensive policy can take away from money you could spend elsewhere and impacts your bottom line. This […]

  3. What Is Cyber Insurance and Why Is It the New “Must Have” for Businesses?

    If you’re like millions of business people, your usual Monday morning probably consists of starting up your computer, checking email, catching up on news and trends related to your industry, logging into systems, and getting a general lay of the land to plan out your week. If your typical routine doesn’t involve technology in some […]

  4. Six “How-Tos” to Create a Safety Culture

    Two teams have worked hard every day to face-off as the best-in class for one Sunday to become Champions. Are they there by luck? Did they just stumble into the game? No way, because you can’t stumble into winning the Big Game. The same goes for creating a best-in-class workplace safety culture.

  5. Are Volunteers Covered Under Workers Compensation or Liability Policy?

    Volunteers are an incredible asset to countless organizations and businesses, from schools and non-profits to eldercare centers and hospitals. According to the latest study by the Corporation for National and Community Service, about 77.34 million people volunteered through an organization last year. The cost-savings of using volunteers are substantial, adding up to an estimated value […]

  6. Can’t Cover Your Cannabis Biz? Making Sense of the Current Cannabis Insurance Marketplace

    The Cannabis insurance market remains limited. Whether you own a dispensary, grow facility, processing operation, or testing lab, for the most part, cannabis businesses can only buy insurance from a handful of insurers. Additionally, cannabis entrepreneurs are often surprised to learn that their cannabis insurance policies are much more restrictive than policies covering their other […]

  7. Buds Business Booming? Understand the Factors Affecting Cannabis Dispensary Insurance Costs and Coverage

    Whether you’re a new cannabis dispensary purchasing your first policies or a dispensary about to enter your second year of business, you should understand the factors affecting your cannabis dispensary insurance costs and coverages in the upcoming year. The following is intended for medical dispensaries although some of these points will apply to all cannabis […]

  8. Snow Removal Contractors, Avoid the Slippery Slope–Control Risks During Snow and Ice Management

    As a landscape contractor, one of the trickiest aspects of running and protecting your operation surrounds snow and ice management. Thanks to Mother Nature, your business is likely at a higher risk in the winter months than any other time of year—there are so many things that can go wrong, from employees getting hurt, equipment […]

  9. 11 Safety Tips for Driver Rehabilitation Specialists ─ Keep Everyone Safe During Driver Evaluations

    With more than 30 years in the safety field, I’ve noticed that when working with professionals in the mobility industry, they often forget that their own personal safety should be just as important as that of their clients’. Driver rehabilitation specialists can become overly focused on serving the needs of their clients, which is commendable, […]