Most people do not expect to ever find themselves in the midst of an emergency or disaster. However, these events happen and can be exacerbated when families have not planned ahead for how to communicate with each other. Members of…
As a business owner, you could be held liable for the actions of other peoples’ employees. U.S. employment law has long recognized that workers may have an employment relationship with multiple entities at the same time. That means your company…
Millions of Americans take to the water each year during boating season, traveling the nation’s coastlines, rivers, lakes and canals. The watercraft range from simple rowboats to jet skis to small motorboats to luxury yachts. Boat owners spend significant amounts…
As homeowner’s insurance companies become more selective about whom they will or won’t cover, one element that can make or break the deal is the age of the roof. Some insurers in states at high risk of natural catastrophes are…
Every state has minimum insurance requirements for car owners, specifically bodily injury and property damage liability. Whatever the minimums are, your insurance has to cover them no matter what, but as your car ages, you may consider scaling back on…
You’ve no doubt been overwhelmed by the amount of fine print that your insurance policy has. The main reason for the fine print is to lay out in detail what the insurance company will cover in case of a claim…
You should never hire an unbonded subcontractor on a construction project, unless you want to put your organization at significant financial risk. If the contractor you hired fails to perform their work as specified in the contract, without a performance…
Keeping Guests, Family Safe in Your Backyard This Summer Summertime is right around the corner and that means many Americans will be entertaining family and friends in their backyards. Fire pits are helping homeowners extend the backyard season, and many…
Have you ever sent an employee out to pick up needed supplies? Offered to buy lunch for the crew and asked an employee to pick it up? Unless you only send employees who are insured to drive your company vehicles,…
It isn’t your imagination. The cost of homeowner’s insurance has been rising, even if you’ve never had a claim. Homeowner’s insurance premiums rose on average between 10% and 12% in 2023 and they are on pace for the same if…
