Road debris is a common problem on America’s roadways. Most accidents caused by debris are sudden and unanticipated and can result in serious injury or death. Road debris is anything that doesn’t belong on the road, including trash, stuff that may have fallen from other trucks, branches, rubble from rockslides and other natural objects that […]
If you’ve been insuring your vacation rental with a standard homeowner’s policy, it likely won’t be enough to cover the various types of damage that are inherent when renting out property, like a guest accidentally breaking that $3,000 65-inch flat screen while playing catch in the living room. And it also won’t cover any injuries […]
Each year, hundreds of construction workers suffer shock when handling electrical tools and equipment. One of the big problems in understanding the dangers of electrical shock is the mistaken belief that only high voltages kill. It’s not the voltage that’s lethal, but the amount of current that passes through the body. The condition and placement […]
Most people do not expect to ever find themselves in the midst of an emergency or disaster. However, these events happen and can be exacerbated when families have not planned ahead for how to communicate with each other. Members of your household might not be in the same place during an emergency, including: Natural catastrophes […]
As a business owner, you could be held liable for the actions of other peoples’ employees. U.S. employment law has long recognized that workers may have an employment relationship with multiple entities at the same time. That means your company could get stung with OSHA fines, Title VII discrimination claims and other actions that arise […]
Millions of Americans take to the water each year during boating season, traveling the nation’s coastlines, rivers, lakes and canals. The watercraft range from simple rowboats to jet skis to small motorboats to luxury yachts. Boat owners spend significant amounts of money buying and maintaining their boats. The need for insurance protection when the boat […]
As homeowner’s insurance companies become more selective about whom they will or won’t cover, one element that can make or break the deal is the age of the roof. Some insurers in states at high risk of natural catastrophes are refusing to offer coverage for homes with roofs of a certain age. Some carriers won’t […]
Every state has minimum insurance requirements for car owners, specifically bodily injury and property damage liability. Whatever the minimums are, your insurance has to cover them no matter what, but as your car ages, you may consider scaling back on your coverage to save money. But when is the right time? Preferably when the math […]
You’ve no doubt been overwhelmed by the amount of fine print that your insurance policy has. The main reason for the fine print is to lay out in detail what the insurance company will cover in case of a claim and what it won’t. It’s important that you go through this with your insurance agent […]
You should never hire an unbonded subcontractor on a construction project, unless you want to put your organization at significant financial risk. If the contractor you hired fails to perform their work as specified in the contract, without a performance bond you have no means of recovery from the company. Also, if the subcontractor fails […]
