Taking the time to understand the language and symbols on your commercial Automobile Insurance policy may seem like trying to learn a new language. Still, it is essential to understand your policy fully so you know how you’re protected. Below you can find a few general guidelines that will be helpful when deciphering your policy: Each symbol represents the type of vehicle protected by the applicable liability or physical damage limit. The symbol may apply to the type of vehic

You should be familiar with OSHA’s requirements for guardrails so that you can identify locations that need to have guardrails installed and know the critical components of a standard guardrail. In many situations, other fall protection systems may be used instead of guardrails, such as personal fall arrest systems or safety nets. If guardrails are used, remember these guidelines on where and how they should be installed. First, let’s consider some of the fall hazards that

Last week we showed how susceptible small businesses are to employee-related crimes like theft and forgery. With an average loss of over $200,000, we recommend that restoration contractors purchase some crime insurance policy. We have found one of the best ways to explain the need for crime insurance to talk about similar companies' claims. So the following is a real-life example of a crime claim that happened to another company. Description of Event The head of accounting

Automobile liability poses a significant potential loss exposure to all business entities. Not just from a claims standpoint, but a circumstance could arise that could exhaust all insurance limits and further put the company’s assets at risk. Because all drivers carry the name and, therefore, the company’s identity, it is essential that you, the employer, understand the excellent background of those employees you entrust with your vehicles to the best of your knowledge and ab