How to Lower Workers' Compensation Costs

The Occupational Safety and Health Administration (OSHA) found that “workplace injuries and illnesses have a major impact on an employer's bottom line. It’s estimated that employers pay almost $1 billion per week for direct workers' compensation costs alone.” While the good news is that there has been a reduction in the number of workplace...

Preparing Your Home and Car for Spring

Spring preparations for your home and car involve more than putting in screen doors and changing out snow tires. In addition to these tasks, you’ll also need to: Inspect the structure of your home...

Spring Start-Up Boat Checklist

Spring has sprung and for millions of boaters in the U.S. that means it’s time to take their boats out of winter storage and put them in the water. For many boaters, annual preparation and cleaning...

What Perils Are Covered by a Homeowners Insurance Policy?

Home is not only where the heart is, but is also where many of us spend a good deal of time and where we keep the things that are most important to us. Owning a home is likely the largest investment...

Building Property of Others Coverage in Illinois

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...

Everything You Need To Know About Independent Contractors

We’ve all heard of independent contractors, but do you really understand how they’re different from employees at an organization? To start, anyone who has hired on a temporary or project-basis can be...

Your Guide to Spring Roof Maintenance

Winter is tough on your roof. That’s why it’s critical to conduct checkups prior to and after the season. According to Bernie Roma, EMC Senior Loss Control Representative, “While your roof maintenance...

Worker's Compensation Fraud

How to Detect and Report Workers’ Comp Fraud Workers’ compensation coverage is designed to address legitimate workplace accidents and injuries, providing benefits for an injured employee’s medical...

What's Safe To Do After Getting The COVID-19 Vaccine? Experts Weigh In.

If you just got the coronavirus vaccine and your mind is buzzing thinking about all the things you can potentially do now that you’ve got some protection against COVID-19, it’s...

Taking the Home Office Deduction? Know the Rules for Claiming it First.

In the wake of the pandemic, there’s a good chance you worked from home for part or all of 2020. As a result, you might be wondering whether you can at least save some money by writing off your...

Five insurance mistakes to avoid... (and still save money)

Saving money feels good. And shopping around when you’re looking for insurance coverage is a great way to do it. However, simply reducing your coverage or dropping important coverages altogether is...

Vishing Attacks: Protecting Yourself From Voice Scammers

Before we get started, we know what you’re thinking: ‘what is vishing?’. Let us clarify. “Vishing” or “voice phishing” is the phone’s version of email phishing attacks. Still confused? It’s those...

General Liability vs. Professional Liability Insurance

As a business owner, it can be a challenge to figure out what types of insurance you need. The right policies depend on the types of risks your company faces.   Big and small businesses both...

5 Most Common Workplace Accidents

Safe workplaces reduce the human and financial costs associated with an accident and boost morale and productivity. Additionally, promoting a culture of safety ensures a business is protecting...

How to Find the Best Small Business Insurance for Your Business

The average claim for a customer injury or property damage is about $30,000. If a claim leads to a lawsuit, then it can cost upwards of $75,000 to defend and settle. With that information, most small...

5 Tips for Keeping Your Drivers Safe From COVID-19

For businesses built around driving, COVID-19 poses a lot of risks. According to the Centers for Disease Control and Prevention (CDC), the virus spreads between people who are in close contact (within...

7 Things You Should Never Leave In A Freezing Cold Car

With all of the recent snow I’m sure you’ve been shoveling snowy driveways and scraping ice from your windshield… but you should also pay attention to what’s inside your car. That’s because certain...

Should I Buy a House During the COVID-19 Pandemic?

You’ve been saving for a house by paying down your debt, working on improving your credit score, and cutting back on spending. For many of us, buying a home will be the single biggest financial...

Cyber Protection: 5 Tips to Protect Your Network From Hackers at Home

It’s difficult to imagine a world without the possibility of endless content to stream, download, share with your family members or send to your friends. The constant use of connected devices...

What To Do After a Hit and Run Collision

The initial impact of any automotive collision can leave many victims anxious, disoriented and angered. There’s the instant worry that you, your passengers or the other involved driver and...
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