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 […]
Keeping Guests, Family Safe in Your Backyard This Summer Summertime is right around the corner and that means many Americans will be entertaining family and friends in their backyards. Fire pits are helping homeowners extend the backyard season, and many of today’s playsets are more elaborate than a simple set of swings and a slide. […]
Have you ever sent an employee out to pick up needed supplies? Offered to buy lunch for the crew and asked an employee to pick it up? Unless you only send employees who are insured to drive your company vehicles, you may be putting your business at risk. Your business may also incur liability if […]
It isn’t your imagination. The cost of homeowner’s insurance has been rising, even if you’ve never had a claim. Homeowner’s insurance premiums rose on average between 10% and 12% in 2023 and they are on pace for the same if not higher rate increases this year. One study found that premiums had increased 19% over […]
There are a number of construction segments that are exposed to crystalline silica, which can cause silicosis and even death. Workers who typically have the largest exposure to silica include those in: Cement and concrete or stucco operations, Abrasive blasting, Jack hammering, Rock and well drilling, Brick and block cutting, and Tunneling operations. What are […]
