Category Archive for : ‘Risk Advisor Insights’

Successful businesses understand the need to stay flexible in a rapidly changing world. They are built to leverage the strengths of their teams and to think through complicated problems. Yet, in my experience, many of these same businesses don’t apply this same approach to risk management in regards to their Workers Compensation program. If you can, fight the urge to turn away because I said Workers’ Comp. Instead focus on this: Have you ever considered how really successful businesses find a competitive edge and increased profitable through this necessary evil?

The

As the cost of new and used vehicles go up, we continue to see a shortage of parts and supplies for the creation of new vehicles and repair of used vehicles. For a commercial business owners this indicates an important time to take the proper proactive steps managing the risk related to their vehicle in order to minimize issues.

Whether you oversee a fleet of company vehicles or your employees drive their own vehicles for business, taking the right steps to manage on-the-road exposures is a must to reduce the risk

What is employment practices liability insurance?

Known in the insurance industry as EPLI, employee practices liability insurance provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues.

A risk that impacts everyone!

Business leaders make decisions each day on a range of issues including things like hiring, firing, compensation, promotions and the work environment. Every one of these decisions impacts your employees and, depending on the outcome, could result in a claim related to wrongful employment

From an insurance and risk management standpoint, what snow and ice contractors cannot do enough of is document, document, and document. This unexpected, yet critical contractor tool In this highly litigious society we are living in it has never been more important to keep track of all the information you can. Recently insurance carriers have moved to much stricter guidelines when underwriting potential businesses.  They now require certain documentation, such as logbooks. Lack of documentation will cause insurance carriers to offer higher premiums or decline coverage altogether. Proper documentation will

If you’re like me, your kids are constantly filling your heads with the latest vernacular. You watch them. You listen to them. You pick up on their terminology. Have you heard, “Don’t be soft”? This is the statement used when one of my kids doesn’t want to take out the trash because it is raining. The others chime in with, “Don’t be soft”.

I bring this up to set the table for this blog – you can be soft in the hard market. If it helps in any way, you have

Can I Still Get Life Insurance

The unprecedented nature of COVID-19 has left many American’s scrambling to determine what exactly they and their loved one’s have for Life Insurance coverage. If you are like most people, you have some idea of your life insurance, who it is with, how much it is worth and what your employer offers, but not a detailed grasp of exact amounts.

As unemployment claims continue to rise and businesses face an uncertain future, jeopardizing life insurance you receive through work, it is logical many adults are looking

Businesses across the nation are taking the necessary steps to protect their employees and their customers in uncertain times. One of the most obvious steps is to have people work from home. It is one of the safest steps they can take, but it also expands the opportunities for fraudsters to steal businesses’ confidential data, funds and trade secrets. In their quest to protect their employees and customers and protect company operations cybersecurity may not be first and foremost on their mind.

What are some of the exposures?

Ransomware attacks
Phishing attacks (social

Accidents happen. No matter how careful you are. No matter how many safety meetings you have. No matter how many safety modules you make your employees watch, accidents can and will happen. This is the reason you have workers’ compensation insurance. This insurance pays an employee’s wages and medical bills if they are injured at work. Work comp is a great benefit, but it’s not perfect. There are things you, as an employer, can do to get the most out of your workers’ compensation coverage.

When An Injury Occurs

When an employee

When the voters approved to make recreational marijuana use legal in Massachusetts in 2016, employers immediately wondered how they were going to navigate these waters with their employees. Marijuana still remains illegal under Federal Law, which is putting Massachusetts based employers in a tough spot.

With the first recreational marijuana shops recently opening in the Commonwealth, employers are now faced with the real likelihood that some of their employees are now consuming marijuana products on their own time. How is this going to affect employers that have drug policies in place

I’ve met so many great people attending industry conferences, conventions, and seminars. A great variety of people all passionate about the business they do and the opportunities that come with it. Of all of the conversations I’ve had I spend the majority of my time learning about their businesses. How did you start? What are your plans? Where do you plan to go with this? Are you having fun? What have you learned? I happen to be curious by nature – so I love engaging in these conversations. They tend