Blog

It’s mid-January, which means that it’s time for all companies subject to OSHA Compliance and Recordkeeping rules should be working on their 2019 OSHA 300A Log.  Typically companies subject to OSHA Recordkeeping are those with 10 or more employees in manufacturing, contracting, warehousing, and other industrial classifications. February 1st is the deadline for posting of the

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Tags: OSHA, OSHA 300A, OSHA Compliance

Hired and non-owned auto is a common endorsement to either the commercial auto policy or the general liability / BOP policy for a business.  It’s generally an inexpensive option to add to either policy and is a very needed coverage, yet many agents and brokers forget to add it to a client’s coverage program. Here’s what

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Tags: business auto, business insurance, commercial auto, non-owned and hired auto

Windows 7 & Cyber Risk Microsoft had announced a while ago that it was ending its support for Windows 7 operating systems and Server 2008/R2 systems.  What this means is that the platforms will continue to work, but Microsoft will not support the systems or offer patches or updates.  An unpatched machine, of course, is a

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Tags: cyber risk, cyber security, windows 7

I’ve asked prospects who have become dissatisfied with their insurance broker relationships: “Is it possible that you’ve just outgrown your insurance broker?”  The context of that question really means – does your insurance broker lack the technical expertise, resources, and staffing to properly handle your business.  Often the answer is “yes” and the client is disappointed

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Tags: commercial insurance broker, insurance broker, insurance broker NY

If that statistic by IBM is true, what are you doing to prevent human error? If you’re a small or medium-sized business you’re probably not doing much. I get it. It’s difficult to train employees on risks you may not even understand yourself, or your IT department is too overwhelmed to take on the task of

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Tags: cyber eduction, cyber insurance, cyber risk, cyber training, human error

Workplace Incident Investigations When a workplace accident happens in many companies, the injured worker reports to HR, their manager or some other responsible person so they can complete an accident report or initial report of injuries that is forwarded to their workers compensation insurance company.  And that’s the extent of documenting the incident. Unfortunately, there are

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In this video, I describe what The Coyle Group does for mid-market firms, and how we’ve differentiated our approach to business insurance. When we talk about mid-market firms that we target, we’re speaking about companies with revenues roughly in the $10M to $250M range.   These firms are in our sweet spot for a few reasons. The

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Tags: business insurance, middle market, risk management, total cost of risk

Continuing our discussion of the types of accounts The Coyle Group focuses on, today, we want to introduce three more practice areas. Hospitality Insurance   The first is our hospitality practice group.  This group includes hotels, restaurants, bars, cafés, caterers, and nightclubs.  For establishments serving alcohol, comprehensive protection from liquor legal liability claims, assault and battery

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Whether you own a small or large business, there are two big problems that decision-makers face when it comes to business insurance.  In my 35+ years as an insurance broker in New York, I’ve seen this over and over and the problem has really been created by the insurance industry itself. The first issue I want

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  The Coyle Group focuses on a variety of businesses for insurance in and around the Greater New York City area and beyond, and I thought diving a bit into different target markets and policy types would make sense. To start, let’s talk about commercial property insurance in New York. Commercial property insurance focuses on buildings

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