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Adding volunteers as employees to the CGL eliminates built-in coverage. Volunteers have unique benefits under the commercial general liability (CGL) policy not available to employees. The unmodified CGL policy will: Provide defense to businesses with volunteers named in a claim or lawsuit as well as to...
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By Brian Lindahl, 10/08/2018
“Look. Listen. Learn. Be aware. Fire can happen anywhere.” This is the theme for this year’s Fire Prevention Week, October 7-13, 2018. Look for places a fire can start Listen for the sound of the smoke alarm Learn two ways out of each room These basic tips can not only decrease your risk...
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By Fonda Hereford, 09/26/2018
Homeowner insurers are increasingly taking steps to address their high loss ratios associated with stronger and more frequent storms, particularly in the Midwest. As a result, insurance agents are asking more detailed and seemingly intrusive questions about your roof covering, requesting documentation to prove...
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By Kevin Rettberg, 09/18/2018
It is rare for the American Trucking Association (ATA) and the Owner-Operator Independent Drivers Association (OOIDA) to agree wholeheartedly on much of anything. Their interests often diverge, and it creates legislative challenges. However, when it comes to the Compliance, Safety, Accountability (CSA) scoring...
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It is estimated that only 15% of real estate owners buy pollution coverage. Pollution incidents often stem from chemicals on premises, mold and asbestos, resulting in property damage and bodily injury ranging from rashes to loss of life. There is nominal to no coverage on standard property policies and general...
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