A couple of years ago, the West Fertilizer Company exploded, killing 14 people, injuring 200 others, and causing tens of millions of dollars in damage. And, it was just reported the general liability policy carried by the company only had the standard $1 million in coverage and no umbrella policy. Unfortunately for the victims, this town, and the company itself, they only had $1 million to divide amongst all of the victims, which left most to pay for their injuries and proper

In a recent article published by Business Insurance, many risk managers and cyber security experts warn companies to be aware of the potential financial and legal exposures they face when moving customer and company information to a cloud-based storage system. That's not to say that cloud-based storage is terrible, nor should it be avoided. In fact, for many companies, moving to a cloud-based storage system has dramatically increased productivity and efficiency. The problem i

This is an interesting situation that arose a couple of times with some of our restoration contractor clients. The company will be unloading customers’ goods, damaging the property or other nearby items (i.e., a wall or other vehicle). Unfortunately, as simple as the situation and claim sounds, the insurance coverage can be convoluted. Here are the various ways this type of scenario is typically covered: Situation 1: Customer’s property is damaged while being unloaded. Co

WHAT CONTRIBUTES TO EYE INJURIES AT WORK? They were not wearing eye protection. BLS reports that nearly three out of every five workers injured were not wearing eye protection at the time of the accident, and she was wearing the wrong kind of eye protection for the job. About 40% of the injured workers were wearing eye protection when the accident occurred. These workers were most likely to be wearing protective eyeglasses with no side shields, though injuries among employees