Directors and Officers Insurance: Debunked

      Directors and Officers (D&O) insurance policies is a lesser-known, yet crucially important policy in the insurance world.   So what is a D&O policy do for a company? It’s meant to help cover company directors and officers from claims based on decisions they made during their regular course of duty with a company.   […]

    Employee Manuals: A “Must” for Your Business

    If there’s one way management often falls short in protecting itself from employment liability, it’s in the company’s employee manual. If your Commercial Insurance plan for your business doesn’t include extensive employee manual advising, you could be at risk.

    What’s Your Story?

    Are you overwhelming your audience with too much information? Rambling diatribes peppered with industry buzzwords and statistics may invoke a near-fatal case of information overload and prevent you from capturing the hearts and minds of your audience. Instead, create simple, powerful, memorable messages that will resonate and achieve your desired effect.

    Protecting Your Assets

    Most employers understand the value of insuring themselves against general liability and property claims, but statistically, businesses are more likely to face an employment practices liability insurance claim alleging wrongdoing by your company, your employees or you. Are you prepared if it should happen to you?

    Data Theft

    If your business has a website, or even just sends out an email, your data is at risk of theft. If your data is breached, you are legally liable. And if you are sued, you are responsible for legal fees, court-ordered settlements and other court-related fees. You will also be required to notify customers of […]

    Mobile Devices Pose Security Risks

    According to Gartner, through 2015, more than 75 percent of mobile apps will fail basic security tests. Once they are in, the bad guys can access other devices on the network through a Wi-Fi connection. Another threat is phishing attacks, in which the cyber criminal sends an infected email or a text message to a […]

    Demystifying Captives

    A captive is an insurance company, whose primary job is to insure the risks of its owner or owners. Captive insurance companies have existed for many years, gaining legitimacy in the 1960s and enjoying steady growth in the 1970s and 1980s. Today, there are approximately 6,200 captives worldwide, with 90 percent of Fortune 500 companies […]

    The State of the Commercial Property/Casualty Insurance Market

    Property/casualty commercial lines rates in the United States have been decreasing moderately for the past three-quarters, according to most industry data. In the most recent Commercial P/C Market Index Survey, rates decreased by 3.3 percent in the second quarter of 2015. Data suggests that rate decreases are most frequently reported in the property, general liability […]