The Lethal Flaw Contained in The Professional Liability Insurance for Home Healthcare Agencies

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Over the years we have seen, the mistakes home healthcare agencies make when they purchase their home healthcare agency liability insurance, their professional liability insurance for home healthcare, agencies  and workers compensation to protect…
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Understanding Your Commercial General Liability Insurance Will Absolutely Save Your Business From Financial Ruin

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Most businesses who purchase commercial general liability insurance have little understanding of how it’s structured and what is important. Instead they focus on the amount of limits offered per occurrence and the premium being charged for…
Twin Parks Fire

Why Property & Liability Insurance Cost So Much for Apartment Buildings , Co-Ops , Condos

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Are you wondering why the renewal for your apartment building insurance for your rental building, Co-op or Condo has gone up by north of 20% ? This little primer might help explain why. The Chinese have a proverb, “may you live in interesting…
Self Insured Trusts

Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

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In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance,…
business meeting outsidePhoto by Dylan Gillis on Unsplash

What’s The Difference Between a Deductible & Self-Insured Retention In Your Commercial General Liability Policy?

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With respect to your commercial general liability insurance policy; choosing between a high deductible or self-insured retention can have a major impact on your competitive position as your business competes on the street. We we want to give…
construction manager working

Construction Manager Vs. General Contractor- What Is The Difference?

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Your operations are as a General Contractor, but the contract you are looking to enter (or have entered) references to your organization as a Construction Manager. Is there an issue here? Although at first glance you may see similarities…

A Fireside Chat with A Claims Adjuster

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Our Claims Advocacy Team got to sit down with a workers’ compensation claims professional who specializes in high exposure claims. They discussed a high exposure claim that wasn’t reported timely to the carrier after the incident occurred.     Please…

Should We Require Our Employees To Be Vaccinated For Covid 19

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Should my company mandate vaccinations?  Like everything Covid related, the answer is complicated. According to employment law attorney  Rich Landau of Jackson Lewis, their tentative position is that requiring employees to be vaccinated for…
Adult Day Care Insurance

Adult Day Care Considerations for Your Business

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Running an adult daycare seems to be one of the harder gigs. Between keeping employees in check and fully trained and clients safe, it is a hard organization to manage. Our adult daycare inspection considerations list should help you keep insurance…