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Understanding the Hard Insurance Market and Its Impact on You
The insurance landscape in California is undergoing a significant shift, with major carriers reducing their presence in the state’s market. This development has led to the emergence of a “hard market,” characterized by rising rates and limited coverage options. In this blog, we aim to shed light on what a hard market means for consumers […]
EPLI: Does Your Construction Business Need It?
Many employers, especially in the construction industry, need employment practices liability (EPLI) coverage to protect themselves against employee claims.
How to COPE in an Inflationary Environment
Recently, Hartford did a study that showed that 75% of all commercial buildings were underinsured. And of those that were underinsured, they’re at 40% underinsured. That means that if you have a property that’s worth a million dollars, you’re only having it insured for 600,000. If you have a catastrophe, you’re only going to get […]
Top Tips to Recession-Proof Your Business
Business owners can recession-proof businesses by minimizing workers’ compensation claims, creating employee trust and safety, and investing in insurance.
Cyber Liability: Mitigating BYOD and E-discovery Risks
The prevalence of employee-owned smartphones and other devices in workplaces across the country has grown considerably in the last few years and shows no sign of stopping. A recent study by Bitglass found that 85% of organizations surveyed allowed their employees to use their personal devices for work functions. If it wasn’t obvious already, the […]
Inflation and Property: What You Need to Know
Inflation is one of those economic concepts that everyone has heard of—especially today—however, few people understand what it means. In essence, inflation is a rise in prices across the economy. This phenomenon can have several consequences for property owners and investors. This considered, it’s important to understand how inflation works and how it affects property […]
How Do You Reduce Experience Modification?
A high experience modification rating (EMR) leads to high workers’ compensation insurance premiums. Reduce your EMR by identifying risks and implementing a safety program.