June 16, 2022
Rocket Fuel
What a business is labeled as impacts whether or not they can get insurance and how expensive it will be, but could you really convince an underwriter that Rocket Fuel Manufacturing is the same as Candle Manufacturing?
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May 17, 2022
Coffee Shop Cyber
about a data breach which is an event tied to personally identifiable information. Now there are various other cyber threats to worry about, but let’s focus on data breaches for a moment.
May 10, 2022
$28,700 to the Wrong Guy
Can you imagine sending $28,700 to the wrong guy? When a perfect invoice with the correct amount shows up at the right time, it would be hard to know it was from a hacker.
April 21, 2022
Employment Practices
Several years ago, we set up insurance for a company in transition. We provided all the right coverage and had a starting date for the policies set just around the corner. This eager company started looking to hire a new CEO. They found the perfect candidate, interviewed the guy, and then wrote up an offer. […]
April 5, 2021
Watch out! Distracted Driving Dangers
Here are some statistics from Distraction.gov to prove why distracted driving is so dangerous:
January 9, 2021
Discovery or Loss Crime Coverage?
Because of their trusted positions, it is often far easier for employees to steal from a company than any outsider. Also, once an employee begins stealing from their employer, it often continues over a sustained period and results in higher total losses.
September 28, 2020
Crime: Stolen Before – What is Employee Dishonesty coverage?
Every year the U.S. Chamber of Commerce puts out information about how employee theft is the fastest growing crime, represents 60% of inventory losses to U.S. companies, and is the cause of about 30% of the business failures.
August 28, 2020
What do you mean – No Coverage?
A client of mine gave one of his employees the afternoon off in exchange for the employee dropping off a small package of merchandise at the customer’s site not far from the employee’s home. Happy to get the afternoon off, the employee headed out the door with package in hand and his GPS searching for the customer’s address.
May 6, 2020
Workers’ Compensation – Joys of the Experience Modification
In California, insurance carriers file Workers’ Compensation rates and pricing adjustments with the California Department of Insurance for approval.
April 11, 2020
Loss of Digital Assets
For those of us that remember using carbon paper to create a copy of a document, technology is the greatest. Virtual offices, telecommuting, and all forms of working remotely have changed the face of the standard business model.