The Commercial Line

Dealing with a changing climate

Weather has always had an impact on businesses. Tornadoes, floods, hurricanes, lightning strikes and other natural disasters can do major damage to a business whether it’s to the property itself or the company’s reputation if business is interrupted for any period of time.

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.

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