The Commercial Line

Planning for disaster

No one thinks it will happen to their business. Flood, fire, earthquakes, loss of data, violence in the workplace – those things impact other business owners, not you.
But failing to plan for a disaster can be a critical mistake – one that could put you out of business.

Workplace violence: Taking precautions to reduce your risk

Violence ranks among the top four causes of death in the workplace during the past two decades. Each year, nearly 2 million American workers report being the victim of workplace violence, according to the U.S. Bureau of Labor Statistics. By identifying risk factors and taking the proper precautions, employers have an opportunity to reduce the dangers of workplace assaults.

The lasting impact of being on the losing end of a lawsuit.

Our society has become increasingly litigious and people commonly file lawsuits to redress wrongs. In litigation, the plaintiff will try to recover compensatory damages to compensate the plaintiff for his or her damages and nothing more. Compensatory damages would include amounts awarded for medical billings, lost wages, pain and suffering, and any short or long term residual physical effects.

Commercial umbrella insurance: Is an umbrella a follow form?

Simply put, commercial umbrella insurance provides an added layer of protection against catastrophic losses by providing higher limits. And in some cases, it also helps fill in coverage gaps. Umbrella liability coverage is written over the following primary liability policies.

The Tesla Model 3, self-driving vehicles and insurance implications

Historians – and those in the insurance industry – may look back on March 31, 2016, as the beginning of a seismic shift in the automobile industry, and how vehicles are insured. That’s the day that American automotive and energy storage company Tesla Motors began taking pre-orders for its new flagship vehicle. Within 24 hours, Tesla racked up more than 180,000 reservations for the $35,000 Model 3.

Prepare for the worst: What every business owner needs to know

From San Bernardino, California, to Ft. Hood, Texas, to Newtown, Connecticut, tragic shooting incidents have no geographic boundaries and no rational motives. And businesses and property owners across the country should be aware that most of these incidents occur in commercial or educational environments.

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