Affordable Health Plans for Cooley Law Students
As we approach the holidays, many businesses are planning on celebrating with parties and get-togethers for staff and clients. If your business will be serving alcohol at an event, be sure your insurance coverage will protect you in case of an alcohol-related incident. Most Commercial General Liability Policies contain Host Liquor Liability covera...
Read More »
For many of us who have been lucky enough to avoid collisions or roadside emergencies, it may seem easy to think of what to do. Get out of the road, call 9-1-1, get the other person’s information. But what if you’re scrambling to write on a napkin, or don’t really know what to ask? What if it’s freezing outside and you’re lost? Make sure you’re pre...
With the announcement of many insurance companies’ third quarter results, it appears that insurance premiums will be on the rise, or at least not reduced, in 2012. Companies and individuals who have had significant losses or many small losses may anticipate an increase in premiums or in some cases maybe even a cancellation notice. Traveler...
A few weeks ago, high winds knocked down a dozen trees along the road we live on, breaking three poles holding electrical lines which supplied power to our farm. We have a standby generator, so we were not without power for very long. Our family did do one unique thing after normal electrical service was restored. We sat down and ma...
Organizations and businesses often do not understand the significant exposure they have with Hired and Non-Owned Auto Liability. Many believe that they do not need Commercial Auto coverage if they do not own vehicles. However, all business organizations have an exposure to loss when employees or volunteers use their own personal vehicles...
Driving an average of 35,000 miles a year, one learns to become aware of his surroundings at all times. Radios, cell phones and eating are all distractions that can cost you money or your life. Many times, just knowing where I am in relation to other vehicles has saved me from being in an accident. If your employees drive on behalf of your b...
Hurricane Irene caught many businesses unprepared when the storm turned inland and wreaked havoc on many parts of New England. Most businesses as well as state and local governments were not prepared for a disaster on the scale of Irene. Irene's heavy rains caused the kind of severe flooding that had not been seen in New England for a very long ti...
Last week, I discussed the importance of Ordinance and Law Coverage for older buildings. Click here to read the article. As I mentioned in my previous entry, Ordinance and Law Coverage has three basic parts. The specific coverages provided under this endorsement are: Coverage A - Loss to the Undamaged Portion of the Building - If part of ...
Do you own a home or commercial building that is more than 10 years old? If so, you may be at risk if your building is damaged and has to be repaired. Say your building is damaged and you have insurance, you think you are all set to go, pay your deductible and get started on the repairs, right? Unfortunately, it is not that simple. Before t...
Today your risk of becoming involved in a construction defect claim is greater than ever. Advances in construction are enabling the design and construction of buildings that are more attractive and less costly. However, many of these advances have yet to be tested in real application. Types of construction defects: Design Defici...
