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Do you need Directors and Officers insurance? Explanation of D&O Coverage and Claims Scenarios

Earning a leadership position in a company isn’t all about privilege. Sure, a director or officer position is a big deal. It might come with a corner office, higher pay, and a boatload of stock options. But if things go south for the company, there’s also a greater risk of personal accountability for the higher-ups

How to Dramatically Reduce Your Worker’s Compensation Costs

Employers always want to trim costs whenever and wherever they can. Streamlining processes and doing more with less are admirable goals. But when it comes to Workers Compensation, businesses must tread lightly. Unlike health insurance, employers aren’t allowed to cut benefits levels. Luckily, there’s a simple step that can save employers a lot of money

Top 4 Coverage Traps to Avoid in Commercial Property Insurance Policies

    When you consider purchasing commercial property insurance, there are a few sneaky traps that should be avoided. We’ll explain what each of these are and why you should be wary of them below. These are the four most common traps. Ordinance or Law Ordinance or Law coverage is often something that is overlooked.

What to Do if Your Restaurant Gets Sued

People who own and manage restaurants and cafes have plenty on their plate already. From having to focus on turning a profit to keeping employees happy and motivated, restaurant owners don’t want to have to shift their focus to legal issues related to customer claims. Restaurants are prime locations for good food as much as

When Are Restaurants Liable for Accidents, Injuries and Illnesses?

Restaurants, like any job site, may be dangerous places for both workers and the customers who dine there. There are a number of accidents and mistakes that can happen, bringing about injury and possible legal issues for restaurant owners. Many instances that can cause injury or illness can be prevented, but they can also be

Beware of Hazardous Materials Lurking in Drywall

Installing and repairing drywall in a home or commercial property is an important part of renovation and construction. However, the dangers of working with drywall and its health exposures have come under scrutiny over the years, and rightfully so. Drywall contains toxic substances that can lead to further damage to a resident’s or worker’s overall

Why Do Contractors Need Their Own Insurance?

Independent contractors carry a lot of possible risk and potential liabilities with their operations, possibly holding over some of that risk to the business owners they are working for. From injuries to property damage, all parties involved face possible legal issues that can ruin a contractor’s reputation. A good line of defense to protect against

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