The ongoing wildfires in southern California have highlighted this hazard and the tragic results brought international attention. The...

Employment practices are an area that every business with employees must consider as a loss exposure. As long as employees are present,...

Despite the widespread use of hoods over commercial cooking systems, the cleaning or lack thereof continues to be the subject of risk...

Commercial general liability and commercial auto policies typically have an occurrence limit of $1 million. If you find that you need...

We all engage in either providing services to others or engaging others to provide services to us. These events routinely involve a...

Fire sprinkler systems need your attention to prevent a freeze event that can either impair protection or cause water damage. As winter...

Following up on our previous article on physical security, a primer of burglar alarm systems is needed. Alarm system technology has...

The holidays should bring joy, not regrets. Take a moment to consider some tips to keep the humbug out of your holiday. Lighted...

Winter can be a tough season on your home or business. Some preparation can make your season warmer and without the frozen pipes, ice...

Americans consumed $6.07 billion in alcoholic beverages in May of 2021 (statista.com). This compares to $4.35 billion in May of 2019. ...

Cooking operations are what makes any restaurant or food service operation successful. If the cooking process involves the creation of...

Equipment breakdown is the new name for boiler and machinery insurance. Many people inside and outside of the insurance industry do not...

How to manage your exposure to the most common liability claim

We previously reviewed an overview of the Life Safety Code. This continues that discussion to focus on emergency lighting. Emergency...

Businesses are required by OSHA standards to have an emergency action plan. The emergency action plan requires that you have provisions...

The National Council of Compensation Insurance (NCCI) calculates the Experience Modification Rate (EMR) that is used in pricing your...

Winterization – things to do before it gets cold and the damage is done! Winter can be a tough season on your home or business. Some...