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Friday, September 21, 2018

As a nonprofit organization, most of your workforce is probably comprised of volunteers. These individuals devote their time and energy to help the community through your organization. Though these individuals offer their services...

 

Monday, September 10, 2018

Hurricanes are capable of producing winds in excess of 155 miles per hour and causing catastrophic damage to coastlines and several hundred miles inland. Additionally, hurricanes can also lead to storm surges along the coast and cause...

 

Tuesday, August 21, 2018

One of the first things hackers do when they attempt to infiltratecomputer systems is to try using any common or stolen passwords.If your employees aren’t careful to use effective passwords andchange them regularly, both they and...

 

Tuesday, August 14, 2018

Your customers expect you to have safe and reliable products, and failing to meet these expectationscan lead to huge financial losses. If one of your products harms a customer in any way, they can sueyour business, leading to costly...

 

Monday, February 26, 2018

With today's emphasis on corporate transparency and accountability, an organization's directors and officers face a countless number of exposures. Regardless of your company's size or mission, the legal costs associated with a lawsuit...

 

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Wednesday, January 17, 2018

Emergency Response Safety for Schools Most school districts and individual schools have emergency management plans in place. However, they are not always practiced regularly, coordinated with community resources, updated regularly or...

 

Thursday, November 9, 2017

From the moment that your business starts the pre-hiring process until the exit interview, your business is vulnerable to an employment-related lawsuit. As a result, your business should take a hard look at whether it can afford to...

 

Tuesday, September 19, 2017

Equifax, one of the largest credit reporting agencies in the United States, was recently the victim of a massive cyber attack—an attack that may have compromised the personal information of 143 million people. The breach itself...

 

Friday, September 1, 2017

Reasons Why You Should Not Purchase Rental Car Coverage: You May Already Have Liability Insurance - Liability coverage is provided from your personal auto policy subject to the same liability limits you have on your policy. You May...

 

Tuesday, May 30, 2017

Just a few years ago, taking a trip involved contacting travel agencies, booking hotel rooms and making plans far in advance. Today, however, smartphones and the internet have helped create new, on demand sharing services that allow...

 

Monday, May 15, 2017

Unlike physical threats that prompt immediate action—like stopping, dropping and rolling if you catch on fire—cyber threats are often difficult to identify and understand. Cyber threats include dangers such as viruses...

 

Thursday, March 30, 2017

Most states require employers to purchase a workers’ compensation insurance policy to cover workers who are injured or made ill due to a workplace exposure. While owners and corporate officers can exclude themselves from coverage...

 

Wednesday, March 8, 2017

Workers’ compensation is a system of no-fault insurance that provides monetary and medical benefits to employees or their survivors for work-related injuries, diseases and deaths. Workers' compensation is governed by state law...

 

Wednesday, March 1, 2017

Workers’ compensation is a system of no-fault insurance that provides monetary and medical benefits to employees or their survivors for work-related injuries, diseases and deaths. Workers' compensation is governed by state law....

 

Wednesday, February 22, 2017

Workers’ compensation is a system of no-fault insurance that provides monetary and medical benefits to employees or their survivors for work-related injuries, diseases and deaths. Workers' compensation is governed by state law...

 

Wednesday, February 15, 2017

Workers’ compensation is a system of no-fault insurance that provides monetary and medical benefits to employees or their survivors for work-related injuries, diseases and deaths. Workers' compensation is governed by state law....

 

Friday, February 10, 2017

How clever is your password? If it’s on the list below, your password is just as easily stolen as it is remembered. Protect yourself by making sure you’re not using one of the top 25 most commonly stolen passwords of 2016,...

 

Wednesday, February 8, 2017

Why credit history matters As you may know, many insurance companies use credit-based scores to help determine a customer's insurance premium. This FAQ section can help you understand how your score is calculated and how it could...

 

Tuesday, February 7, 2017

Why credit history matters As you may know, many insurance companies use credit-based scores to help determine a customer's insurance premium. This FAQ section can help you understand how your score is calculated and how it could...

 

Friday, February 3, 2017

Education Awards and Settlements Abuse of Special Education Students Separate settlements totaling $5.3 million have been reached with five of the six families that filed suit against the Rocklin Unified School District in California...

 

Tuesday, January 31, 2017

The Importance of Background Checks Employing trustworthy, quality educators is one of the most important responsibilities of an administrator, and background checks are a fundamental part of ensuring this trustworthiness. Considering...

 

Friday, January 27, 2017

You Need Incidental Medical Malpractice Coverage Incidental medical malpractice insurance is designed to cover organizations outside the health care industry that have a medical exposure for operations that are not the major function...

 

Tuesday, January 24, 2017

Preventing Slips and Falls at School Wet weather can be a nuisance, meaning being trapped inside and dealing with wet messes tracked in by students and faculty. Moreover, the wet walking surfaces this nuisance creates present a serious...

 

Friday, January 20, 2017

According to the Federal Emergency Management Agency (FEMA), there are a number of phases included in the creation of an effective emergency management program. The following checklist identifies those phases along with action steps...

 

Friday, January 20, 2017

Continued from Part 1: Response Action Steps include: Assess the situation and choose the appropriate response. Determine whether a crisis exists, and if so, the type of crisis, the location and its magnitude. Since your team has...

 

Friday, January 20, 2017

According to a recent report from Experian, a global information services group, businesses can expect to see an increase in the number and severity of cyber attacks in 2017. The report also predicts that a large number of...

 

Tuesday, January 17, 2017

Emergency Response Safety for Schools Most school districts and individual schools have emergency management plans in place. However, they are not always practiced regularly, coordinated with community resources, updated regularly or...

 

Thursday, November 17, 2016

Lessor’s Risk Only (LRO) Insurance, also known as Landlord’s Insurance, is a specific type of property and liability coverage designed for building owners. This type of insurance package is common among owners of apartment...

 

Tuesday, November 1, 2016

The Federal Emergency Management Agency (FEMA) recently announced changes to the National Flood Insurance Program (NFIP) that will go into effect on April 1, 2017. These changes are made annually, and may impact your home’s flood...

 

Tuesday, November 1, 2016

The Federal Emergency Management Agency (FEMA) recently announced changes to the National Flood Insurance Program (NFIP) that will go into effect on April 1, 2017. These changes are made annually, and may impact your home’s flood...

 

Thursday, August 18, 2016

Workers' compensation is one of the only lines of insurance that is a controllable expense. By initiating best practices, safety manuals, and risk reduction strategies you can keep your employees safe and your workers' compensation...

 

Tuesday, June 7, 2016

Social engineering fraud (SEF) is a type of fraud that’s become increasingly common over the last several years. However, even though many instances of this fraud transpire over email communications, it’s a company’s...

 

Wednesday, May 11, 2016

While computers have improved the speed and efficiency of how we work, they have also allowed thieves and con artists an easier avenue by which to steal from people and businesses. One of the ways these cyber criminals use computers to...

 

Friday, May 6, 2016

The incidents below are recent examples of actual liability claims in excess of a policyholder's primary liability limit. These scenarios represent only a sampling of the types of claims that can occur every day. Adequate excess...

 

Thursday, April 14, 2016

As if learning that an employee was involved in an accident on company time isn’t alarming enough, what happens when you find out the at-fault driver doesn’t have coverage or is underinsured? While most states require...

 

Wednesday, April 13, 2016

Taking the time to understand your insurance policies is well worth the effort. An insurance policy is a complex contract that often contains provisions that assigns certain responsibilities to the policyholder, such as a coinsurance...

 

Friday, April 1, 2016

Your livelihood is dependent on the survival of your business, so it is imperative that you protect it against any potential threat—big or small. For instance, a fire could destroy your business’s warehouse and the contents...

 

Thursday, January 21, 2016

The structure, pace, and short-term nature of political campaigns expose these organizations to an array of unique risks. Many campaigns mistakenly operate under the assumption that they are protected by government immunity or that...

 

Wednesday, January 20, 2016

On March 26, 2012, the Occupational Safety and Health Administration (OSHA) issued a final rule modifying its Hazard Communication Standard (HCS). The final rule aligns the HCS with the United Nations’ Globally Harmonized System...

 

Thursday, January 7, 2016

Directors and officers liability (D&O) insurance is a fundamental component of any company’s risk management program. A lack of D&O insurance may dissuade talented individuals from seeking an executive position at your company,...

 

Monday, October 19, 2015

Property owners and managers often assume they can avoid tenant discrimination lawsuits by simply avoiding discrimination behavior. Recent history has shown, however, that acting in good faith isn't always enough to prevent costly...

 

Thursday, October 1, 2015

The primary reason your basement and home can flood during a rainstorm is due to poor or blocked drainage. To help you keep water from seeping into places it’s not wanted, Clarke & Sampson, Inc. offers the following precautionary...

 

Tuesday, September 15, 2015

If you own rental or investment properties, you need to protect them from a host of potential perils, including fire, lightning, vandalism and theft. If your primary residence is located on the rental or investment property, a...

 

Friday, September 11, 2015

You may feel that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that nearly every business is eventually victimized by fraud or theft. In this day and age,...

 

Wednesday, July 29, 2015

Most insurance policies are written to allow a building owner to rebuild to the condition it was in prior to the loss. If an ordinance requires more, such as being brought up to code if it sustains more than 50 percent damage to the...

 

Friday, June 5, 2015

A data breach can be a devastating event, affecting a company financially and damaging its reputation with customers, but the risk doesn't end there. As a director or officer at your company, you face litigation risks based on cyber...

 

Tuesday, April 7, 2015

According to the Centers for Disease Control and Prevention (CDC), 4.5 million people are bitten by dogs each year and about 885,000 of these injuries require medical attention. If fact, dog bites account for approximately one-third of...

 

Wednesday, January 28, 2015

According to a recent article in Recreation Management, there are approximately sixteen million lawsuits filed annually in state courts – a rate of about one every two seconds. Few industries are more susceptible than fitness and...

 

Thursday, January 22, 2015

Flooding is the most common natural disaster in the state of Virginia. It is strongly recommended that you obtain flood insurance for your property whether you’re located in a low/moderate risk or high risk area. If your home is...

 

Wednesday, January 14, 2015

On-site fitness centers can be a powerful way to improve productivity, reduce time away from work, promote wellness and recruit top talent; however, they also present a serious liability exposure. There are several steps you can take...

 

Tuesday, November 4, 2014

From workplace injuries to property damage, from cyber liability to employee fraud, your business faces plenty of risks. Insurance plays a key role in helping you manage these risks and cover losses. All property and casualty (P&C)...

 

Monday, November 3, 2014

As winter looms, temperatures drop and the chance of severe weather increases considerably. An unfortunate result of this severe weather is the fact that it can cause havoc on your home’s exterior along with several other...

 

Friday, October 24, 2014

There are times when the coverage you need is available exclusively from a non-admitted carrier. What is the difference between admitted and non-admitted carriers, and what are the advantages and disadvantages of each? Should you be...

 

Wednesday, October 15, 2014

Taking the time to understand the language and symbols on your commercial Automobile Insurance policy may seem like trying to learn a new language, but it is important to fully understand your policy so you know how you’re...

 

Tuesday, August 12, 2014

If your company stores data and information digitally, you should have a cyber risk management program that addresses prevention, disclosure, crisis management and insurance coverage in the event of a data breach. Good cyber risk...

 

Friday, April 4, 2014

As we all know, accidents happen—and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family...

 

Wednesday, January 22, 2014

Many homeowners operate under the assumption that all homeowners insurance is created equal. A common notion is that as long as the coverage limits match, a policy or quote comparison is "apples to apples." The reality is that that...

 

Tuesday, November 19, 2013

Starting a business can require a significant investment of time and money, but, in select cases, that is a risk we are willing to take. After all, we start businesses to take risks. No risk, no reward, right? There are some risks...

 

Friday, November 8, 2013

Holding personal real estate in a Trust or LLC is a common practice in the United States, whether it is for estate planning, limiting personal liability, or tax reasons. According to the IRS, the personal use of LLCs and trusts has...

 

Wednesday, October 16, 2013

With our proximity to the Potomac River, we enjoy its beauty and countless recreational opportunities. With this proximity, however, we are faced with unique flood risks. This risk is nothing new. Flooding has threatened life and...

 

Friday, October 11, 2013

While working on commercial insurance packages we are often presented with the question, “What the heck is terrorism insurance?” Terrorism insurance is protection against damages by certified acts of terrorism as determined...

 

Tuesday, September 10, 2013

Hurricane season began as of June 1, and although storm activity has been limited so far, we shouldn’t let our guard down. Hurricane season extends through November 30, with some of our worst storms on record occurring in the...

 

Tuesday, January 8, 2013

For many property owners, flood insurance seems optional or unnecessary. The mortgage company doesn’t require it, the house is paid off, the property isn’t in a flood zone – these are a few common justifications for...