Insurance News
Social engineering fraud (SEF) is a type of fraud that’s become increasingly common over the last several years. However, even though many instances of this fraud transpire over email communications, it’s a company’s crime policy—not a cyber policy—that would often provide coverage in the event of an SEF loss.
That’s why it’s especially important to understand your crime policy, how it might cover SEF, why it might not, and what endorsements you might want to obtain to make sure SEF...
Did You Know?
The U.S. Fire Administration states that 75 percent of confined home heating fires occur in the chimney and flue of your fireplace. Performing simple safety measures and maintenance on your fireplace will ensure your family and home stay safe.
Here are some fireplace safety tips to consider:
- Keep it clear. Clear out any debris from the fireplace and keep all flammable items like furniture, blankets and papers a safe distance away at...
The health insurance landscape is changing and being aware of and embracing employee benefits solutions in 2019 is essential for employers to stay competitive.
In 2018, advances in technology allowed us to change the entire healthcare experience for members. What began as the migration to electronic medical records and online member portals for insurance information has morphed into fully functioning virtual experience for healthcare. Members interact with a physician virtually for...
Did You Know?
Snowmen, snow angels and snowball fights are fun activities for children and the young at heart. But being outside in cold temperatures can have an adverse effect on your health if you are not careful. Frostbite is a common ailment for those who have prolonged exposure to cold temperatures and low wind chill factors.
Though everyone is at risk of developing frostbite when outside in winter, some are more susceptible than others. In fact, children, the elderly,...
Continuity is critical in business, and there are few things more important than continuous revenue and cash flow, particularly for small to medium-sized organizations. In fact, just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures.
That’s where business interruption insurance can help. This form of coverage provides protection against a variety of common interruptions, including natural...
Quiet Vehicles Pose a Risk to Unaware Pedestrians
Electric cars from Tesla, Nissan and other automakers continue to make headlines, but anyone who’s had one sneak up behind them while on foot knows how quiet they are. These vehicles, along with hybrid cars, run much more quietly than gas-powered cars and can pose a serious risk to unaware pedestrians.
Starting in 2019, a new law will require electric and hybrid vehicles to emit alert sounds whenever they’re traveling at or...
Did You Know?
Making children smile with a new toy brings a lot of joy to parents and relatives during the holidays, on their birthdays and those “just because” occasions. Although toys are designed for play, not all of them are safe for children depending on their ages and developmental progression.
The U.S. Consumer Product Safety Commission requires toy manufacturers to meet specific safety standards and label products according to these specifications.
Here are...
Business owners have a lot to consider when choosing insurance that fully protects their business. One coverage option, a business owners policy (BOP), can take the guesswork out of the process. A BOP bundles several types of coverage in one package, similar to the way a homeowners policy works, but is designed for small and midsized businesses.
BOP Key Features
A BOP generally combines the following types of coverage in one convenient bundle:
- Commercial...
Did You Know?
The largest source of fire in American homes comes from fuel burning appliances. The main causes of fire include inadequate clearance between the wood burner and walls, floors and furniture; creosote buildup in the chimney; poorly or improperly installed chimneys and improper installation of the wood burner itself.
Use these tips to safely use your wood burning stove:
- Read the instructions for your wood burning stove and follow them carefully.
...
10 Ways to Prepare for a Successful Wellbeing Program
Open enrollment season is a busy time for many of us in the employee benefits field. The best advice we have for helping to make open enrollment season easier is to begin planning and communicating early, especially when evaluating or implementing an employee wellbeing program.
If you plan to offer an employee wellbeing program in 2019, we recommend spending the weeks prior to open enrollment preparing. Here’s a list of 10...