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EPLI Claims are on the Rise – Are you Covered?
-Employment practices liability insurance, which is known as EPLI, is an important coverage for any business with employers, or that…
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Workers’ Compensation Claims – What Happens Next?
-The severity and frequency of Workers’ Compensation claims has a direct bearing on the policy premium. The WCIRB uses both…
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Most Commonly Overlooked Coverages Pt. 1
-Last week we spoke about the importance of Assault & Battery coverage and how it is commonly overlooked. We also…
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General Liability Insurance for Security Guard Company’s Contracts with Bars, Nightclubs and Lounges.
-On most general liability insurance policies there is a nightclub, bar and/or lounge exclusion. This means that there is no…
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General Liability Review: Paying less most likely means you have exclusions in your policy
-At least once a week, I receive a phone call from a security guard company wanting to replace their current…
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Loss Run Reports: What Is It & How Does It Affect My Business
-A Loss Run Report is a necessary item in the world of insurance when it comes to obtaining quotes. I…
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Admitted vs Non-Admitted Carriers
-An insurance company that has been approved by the state’s insurance department is “admitted”. The qualifications a carrier must meet…
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Professional Liability: Errors & Omissions
-When obtaining General Liability insurance for your business, it is not only important to make sure you have the proper limits/coverages,…
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Determining if a Security Guard is Independent Contractor or Employee
-It is critical for security guard companies to determine whether an individual providing service are employees or independent contractor. I…
