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…
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…
Common Workers Compensation Claims for Security Guards
There is always the…
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…
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…
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…
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…
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…
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,…
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…
