From capital and labor to weather and the economy, many factors that affect business today affect property insurance. Declining Occupancy, Severe Weather and CAT Losses, Supply chain, Property Valuation and more.
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When purchasing or renewing a commercial property insurance, it’s vital for businesses to ensure such coverage includes correct property valuations. Doing so can make all the difference in providing sufficient protection and preventing coinsurance penalties amid covered property losses.
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Owning and operating a landscaping business has a list of responsibilities and its fair share of risks no matter if it’s a startup or large corporation. Team and customer safety should always be top-of-mind, which is why commercial landscaping insurance is essential to your business’s success.
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Construction material costs rose dramatically in 2021, altering the underwriting and pricing of commercial property insurance. A recent report by Westchester details the causes of rising commercial property insurance prices and how they can be mitigated.
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Working in winter weather conditions can be risky for employees. Learn winter weather safety tips to implement at your small business that could lower the risk of injuries for your outdoor workers.
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Businesses face various types of theft, including burglary and robbery by outsiders, theft by insiders and identity theft.
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The Occupational Safety and Health Administration (OSHA) recently cited a company for exposing their workers to unsafe levels of airborne lead. They proposed a fine of over $319,000. This is just one example of citations and fines that OSHA can impose on a business for workplace safety violations. Do you know the other types of violations?
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As natural disasters become increasingly costly, property damage claims are on the rise. Property claims are often a given in the aftermath of a severe weather event, meaning that business leaders need to have a plan to prepare for potential property loss or damage. Follow along to learn about five common property losses businesses can expect after an extreme weather event.
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Home business, small business, global business—here’s how to choose the right insurance for your business. The types and amount of insurance that you need for your small business are based on several factors. Ask yourself: What type of business are you in? Where is it located? Do you have employees?
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In 1996, the National Safety Council designated June as National Safety Month. The goal was to increase awareness of the leading safety and health risks facing employees and decrease the risk for workplace injuries and deaths in the U.S.
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From drones and 3-D printing to artificial intelligence and autonomous vehicles, disruptive advancements in technology are everywhere – and they’re rapidly changing traditional business models across industries. While these trends may help improve efficiency, safety, and service, their increasing adoption also introduces new liability risks for the businesses that choose to incorporate them.
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Safety in the workplace isn’t just a matter telling of employees to behave safely. It’s much more complex. It involves changing old habits, developing a safety program, identifying responsibilities, and creating checklists for equipment, facility and fleet tasks.
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The recent snow and quick warm up caused many roof issues in the area. The resulting water seepage caused interior damage to walls, ceilings and equipment. Whether you are a landlord or a tenant it is important to understand your lease and who the responsible party would be for repairs.
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Winter is tough on your roof. That’s why it’s critical to conduct checkups prior to and after the season.
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No business is too small to be sued, burglarized or damaged by a fire. And no business owner wants an unexpected event to wipe out their hard work or investments. Thankfully, small business insurance can help protect your company and safeguard your income.
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An unoccupied building is especially vulnerable. If your commercial property will be unattended for a period of time, take steps to protect your investment and prevent damage. First and foremost, notify your insurer. Talk to your agent to ensure you have sufficient protection for your commercial building at all times.
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Slips and falls are the leading cause of accidental injury in the workplace. And we’re entering prime time for these injuries to affect your employees (and the public!), because nearly half of slip and fall injuries occur between December and March. Don’t let winter weather get the best of you. Make your walkways safer with these tips.
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Winter can dramatically affect a building, from dropping tons of snow on the roof or walkways to freezing pipes and interrupting the power supply. Any of these cold-weather disruptions can degrade your building in multiple ways, including burst pipes, roof trauma, damaged drains and gutters, and power instability.
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Most people would never consider opening a business without first purchasing property insurance to cover the cost to repair or replace a building or equipment that’s been damaged due to a covered peril. But too many business owners fail to think about how they would keep their business afloat if they were forced to temporarily close.
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Winter is a busy time of year for all. Injuries from slips and falls peak during winter months, putting your employees out of commission right when you need them most. If you have retail locations, slippery conditions from winter weather can put your customers at risk too.
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