Opening an umbrella keeps you dry while outside in the rain, right? Well, more or less. You could step in a puddle, a passing vehicle could splash you, the wind could send the raindrops at you sideways. An umbrella, in other words, keeps you mostly dry, but it’s not a 100% guarantee. There are plenty of ways you could […]
Modernizing the way organizations hire enhances their ability to attract, recruit and retain top talent in a competitive environment. As job seeker’s expectations shift and many leverage technology to find their next job, employers are encouraged to consider these tips: While maybe not applicable to every open role, these strategies can give employers new tools […]
Achieving cost efficiency and filling gaps in expertise has led many companies to rely more and more on outside vendors and third parties for services, including cybersecurity. But significant vulnerabilities also accompany those important factors, exposing businesses to cyber breaches, compromised data, operational disruptions, costly insurance claims, and legal battles. For example, if a vendor […]
Being asked to serve on a board or to help manage a company or non-profit organization can be a very rewarding experience. Yet at the same time, the personal financial risks tied to these roles must always be recognized and minimized. Management liability coverage – including directors and officers (D&O), employment practices liability (EPLI), and […]
Credit insurance is designed to protect a business from non-payment of commercial debt. That means that if a customer does not pay because of bankruptcy or insolvency, or if it simply does not pay on time, a credit insurance policy will pay the business up to the insured credit limit. This coverage helps protect a […]
Health care costs continue on their seemingly unending rise. As a result, employers continue to look for ways to responsibly contain those costs. One tool – the dependent eligibility audit – offers a relatively easy way to do just that. This audit does exactly what the name describes – it determines whether all dependents being […]
Whether you accept the idea of climate change or not, here are the facts, as reported by the National Oceanic and Atmospheric Administration (NOAA)’s National Centers for Environmental Information, in its recently updated 2024 Billion-Dollar Disaster Analysis*: Even in areas of the country that typically are spared from these types of events, policyholders are likely […]
The cloud. That mysteriously vague destination we all have accepted as the repository of unimaginable amounts of digital information. You can send anything to the cloud, and we do. But how safe is that information – especially vital information about identity, finances, purchasing habits, and so much more? This can become an especially critical question […]
As more instances of severe weather and the resulting litigation occur, coupled with an ever-increasing rate of repair costs, an emerging issue has begun to impact commercial business owners as they work to secure insurance – the remaining service life and integrity of roofs. According to the Insurance Information Institute (III), across the U.S. in […]
Interesting how commitments can accumulate when you’re not looking, isn’t it? You click on a subscription, you agree to get regular updates from a retailer, you cite a preference for a particular brand. And before you know it, funds have been deducted from your checking account, your email inbox gets choked with nuisance messages, and […]
