cheap business insurance

The Protective Safeguards Endorsement

Many commercial property policies and business-owners policies (BOP) contain a version of the Protective Safeguards Endorsements when the policy holder is receiving a credit for having an alarm system, sprinkler system, security service, or in a restaurant a hood and duct extinguishing system.  The ISO (Insurance Services Office) form number is CP 04 11 10 … Read More

cheap business insurance

How The Root Cause Analysis Can Uncover Claim Drivers

When I’m working with a new client that is struggling with claims problems – usually related to workers comp or business auto, we’ll talk about what’s causing the losses.  I’ll often hear: “well, they’re just accidents, they just happen, it’s nobody’s fault”; but actually claims don’t “just happen”, there’s a reason why they happen in … Read More

cheap business insurance

How an Accidental Release of Data Could Cost Tens of Millions

Not all data breaches are acts of nefarious players. On Saturday, July 22, 2017, The New York Times ran a story on a “Trove of Confidential Data” which was accidentally released by an attorney working for Wells Fargo.  The magnitude of the data is enormous and is estimated to contain financial information for “at least … Read More

cheap business insurance

Drug use further reduces the number of eligible workers

An article in the New York Times (July 25, 2017) featured a conversation about manufacturing in Youngstown, Oho, and the search for qualified workers.  Employers in that region are having a hard time filling job openings, and it’s not due to the education or skills gap we often hear about.  It’s because in many cases … Read More

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