When Lightning Strikes

Lightning kills more people in the U.S. each year than any other natural disaster other than floods. A Carnegie-Mellon study found that lightning affected 33 percent of US businesses at some point. So what can you do to protect your people and property from lightning?

The National Weather Service says Continue reading “When Lightning Strikes”

The Liability Coverage Every Business Needs

There are insurance coverages that all businesses need, some that all business should consider, and some that you need only if you have special risk exposures.

 

Need to Have

Home-based business insurance. The standard homeowners insurance policy excludes liability arising from “business pursuits.” If you have a home-based business, you can buy a rider to add business liability coverage to your homeowners policy, but coverage is limited. With the possible exception of daycare operators, most successful business people will need one or more policies designed especially for businesses.  Continue reading “The Liability Coverage Every Business Needs”

Transgender Employees: The Latest Discrimination Frontier

With the rights of same-sex couples to marry protected by federal law, transgender rights have become the latest frontier in nondiscrimination law. What laws pertain to transgender employees in the workplace, and what happens to employers that violate them?

The Transgender Law Center estimates that between 2 and 5 percent of the population is transgender, although little verifiable data exist. Title VII of the Civil Rights Act of 1964, Continue reading “Transgender Employees: The Latest Discrimination Frontier”

What to Do in a Policy Review

Scheduling regular policy reviews can ensure your business has the coverage it needs, when you need it. If you haven’t reviewed your coverage lately, the beginning of the year is a great time to take care of this important housekeeping matter.

Continue reading “What to Do in a Policy Review”

What to Do in Your Annual Insurance Policy Review

Scheduling regular policy reviews can ensure your business has the coverage it needs, when you need it. If you haven’t reviewed your coverage lately, the beginning of the year is a great time to take care of this important housekeeping matter. Continue reading “What to Do in Your Annual Insurance Policy Review”

The Insurance Formerly Known As Boiler and Machinery

If you’ve been in business a while, you might have heard the phrase “boiler and machinery insurance.” However, today’s policies do much more than cover boilers and machinery, hence the name change. Read on to learn more about this valuable coverage. Continue reading “The Insurance Formerly Known As Boiler and Machinery”

Intern-al Affairs

With the jobless rate for people ages 20 to 24 still higher than 10 percent, many college students might be willing to trade their time for an unpaid learning experience. But there is a legal difference between an employee and an intern. Knowing the difference can help you avoid breaking the law. Continue reading “Intern-al Affairs”

The Truth about Alcohol Abuse and Workplace Injuries

When researching the effects of alcohol on workplace injuries, you’ll likely stumble across a statistic attributing 38 to 50 percent of all workplace injuries to alcohol or drug abuse. If that sounds shockingly high to you, you’re probably right. Continue reading “The Truth about Alcohol Abuse and Workplace Injuries”