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Cyber Liability Insurance Is No Longer An Option
Cyber liability insurance is a policy designed specifically for data breaches, malicious attacks, ransomware, and many other cybersecurity threats. Here are some examples of important coverages that your business will have when purchasing a Cyber Liability policy: First-party coverages Social Engineering coverage Reputational harm caused to your business […]
The Condo Association Insurance Guide
There is no college course teaching board members how to buy insurance. Most board members follow their predecessors and continue to make the same mistakes when it comes to remarketing their risk with as many agencies as they can. But, using too many agencies is risky and here […]
If An Injured Worker Doesn’t Have Questions, Something’s Not Right
Your employee gets injured. In most cases, the norm is to step into claims management mode. But what about when the employee has no questions? There are two reasons that might be. It’s expected that most injured workers will have questions related to the work comp claim process, […]
Benefits of Choosing Your Company’s Workers Compensation Doctor
Why should you, the employer, choose the doctor your employees see when it comes to workers’ comp claims? Workers comp claims can be a drain on time, energy, and your company’s bottomline. When an employee gets injured, resources are pulled in the form of admin, time off for […]
PEO: Does Your PEO Agent Know What They’re Talking About?
Have you checked if your PEO agent knows what they’re talking about? Are they licensed, insurance professionals? This isn’t a bashing, it’s a wake-up call. Go to Google and try the following: Type in your payroll company’s name followed by PEO and then the word job. No experience […]
Workers Comp: Who Picks The Doctor?
When it comes to an event that is covered by workers’ comp, who gets to choose a doctor, the employer, or the employee? Let’s answer that today. If your employee gets injured on the job, it’s you, the employer or the insurance carrier that has a right to […]
Medical Marijuana and the Workplace
What if an employee has a medical marijuana card? How does that affect your drug-free workplace? According to the latest legislature, an employer does not have to accommodate medical marijuana in the workplace or an employee under the influence of marijuana. The medical marijuana approval in Florida does […]
Waiver of Subrogation: Value vs Risk
A waiver of subrogation clause is placed on a contract to minimize the lawsuits and claims between the parties. The risk, once assigned to the insured parties stops there, without allowing the insurance company to go after any third parties. This guarantees that if the loss occurs, the […]
What is a Waiver of Subrogation?
One of the most important parts of risk management is to review the contract you’re about to sign and that includes a contract’s waiver of subrogation clause. Subrogation is a basic insurance concept used in insurance contracts. If a loss occurs, it typically happens due to someone’s negligence. […]
5 Reasons Why Your Business Needs An Incidence Response Plan
Every organization that stores or handles data is at risk of a cyber-attack. As technology advances, companies are collecting, storing, and transferring more personal information about their customers and employees than ever before. This not only puts a target on your business back, but it also means that […]