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5 Common Sources of D&O Liability Claims

In today’s business climate of corporate transparency and accountability, an organization’s officers and directors face a myriad of employment-related exposures. Regardless of your company’s size or mission, the legal costs associated…
Commercial Insurance

Common D&O Insurance Exclusions: What to Know

Insight for business owners and risk managers about D&O insurance exclusion — provided by Metropolitan Risk Advisory After assessing your company’s risks, you’ve made the decision to purchase directors and officers (D&O) insurance.…
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What does Directors and Officers Insurance Cover?

Directors and Officers insurance specifically provides insurance coverage for a "wrongful act,” such as an actual or alleged error, omission, misleading statement, neglect or breach of duty. For example, A manufacturer told one of its…

What is Hired and Non-Owned Auto Insurance?

Non-Owned Automobile Liability If you do not own a car but frequently borrow other people’s cars, rent cars or use a car-sharing service, non-owner auto insurance offers you coverage if you cause an accident. Non-owned automobile…

Smart Home Healthcare Agencies Know This Secret To Building Their Staff

I wouldn’t limit this little nugget to just Home Healthcare Agencies, as most smart run organizations know that efficiently utilizing your resources, deploying effectively, is really what creates competitive separation between you and your…
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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…

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…
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5 Tips For Employers With Repeat Accident Offenders

Do You Have Employees That Are Repeat Accident Offenders?    If your business suffers from the high cost of employee injuries on their workers' compensation insurance due to the same employees becoming injured repeatedly; this article…
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How Workers' Compensation Class Code #8873 "Telecommuter Reassigned Employees" Can Help You Save Money On Your Insurance Premium

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The New York Workers’ Compensation Insurance Rating Board (NYCIRB) has released a new class code for ‘Telecommuter Reassigned Employees’. If you are a business owner you might be wondering how do I adjust my workers' compensation rates…