What is errors and omissions insurance?

As you may know, business liability insurance covers losses related to bodily injury, property damage or advertising injury. But what happens, and who pays, when a printer neglects to catch a typographic error on a large order of engraved wedding invitations? Or when a computer consultant gives bad advice causing financial harm. Issues like these...

This is why a Clear Desk Policy is Smart for Every Business

We all have that coworker (or maybe we ARE that coworker) with the messy desk. Stacks of papers, post-it notes, pens, pencils, note tablets, folders, daily calendars, and any number of objects...

Business Identity Theft: An Emerging Threat

Individuals are not the only ones at risk of identity theft. Increasingly, businesses are struggling with criminal use of their identity for tax fraud, credit card and other financial fraud, as well...

Building Property of Others Coverage in Illinois

Illinois Building Property of Others Coverage in Illinois  I know I have talked about this in the past, but I have been running into a lot of leases recently that address this topic. I am seeing more...

EMC Insurance: 3 C’s for Safer Sprinkler Systems

Out of sight, out of mind is risky when it comes to sprinkler systems, says EMC Risk Improvement Engineer Kody Daniel. Because sprinklers are silently at the ready in case of an emergency, it’s easy...

Transitional Task Ideas - How to Bring an Employee Back to Work Sooner

When an employee is off work due to an injury or illness, an effective return to work program can help you bring that employee back to work—in a modified capacity—as soon as they are medically able....

EMC: Designated Physicians Are Good for You and Good for Your Employees

Three workers were injured on the job. Although the injuries were not life threatening, the first worker immediately rushed to the emergency room for treatment. The second worker visited his...

Restaurant Insurance: Pick Your Coverage Gap

As restaurants venture into new or extended business models like food trucks and introduce novelties such as pop-up eateries for a single night only, many may fail to consider the unique...

The Importance of Spoilage Insurance

What is food spoilage?  Food spoilage can be defined as a disagreeable change in a food’s normal state. Food spoilage can be detected by a change in color, a change in texture, an unpleasant odor, or...

Don't Have a Breakdown

Because your business depends on functioning equipment to operate and maintain revenue, a breakdown could be devastating. The threat of breakdown is increasingly prevalent because...

What is OSHA? And Why is it Important to Your Business?

  Why is job safety and health important? In 2011, 4,609 employees died from occupational incidents, and there were a staggering 3.1 million total recordable cases of workplace injury and illness. On...

The 6 Fundamental Techniques of Risk Control

If you’re a business leader, then you already know the importance of risk control. It’s imperative that your business has a formal policy to limit the loss of assets and income. Here are the...

Top 10 Most Common Workplace Hazards

10 Most Common Workplace Hazards Strap in your seatbelts and grab your helmets; it’s a dangerous world out there. No, we’re not talking about jungles or the outback. This blog is about somewhere much...

The Benefits of Surveillance Cameras in your Business

Surveillance and video monitoring have become very affordable, easy to implement, and effective. For very little investment, cameras can stream video onto the internet so the owner can monitor...

Spill-Proof Your Workplace

The old proverb says, “Don’t cry over spilled milk.” While it’s certainly a waste of time and energy to cry over it, you should take spills very seriously—especially those in the workplace. Whether...

Avoid Winter Slips

Winter months in Illinois present additional hazards that are typically not factors for employees during warmer weather – specifically, slip and fall concerns. With snow and ice covered conditions,...

Accommodating Permanent Work Restrictions

When an on-the-job injury or illness results in permanent work restrictions, you are required to provide the injured worker a position that fits medically determined specifications. If you are unable...

Safety and Health Assistance for Small Businesses

The Occupational Safety and Health Administration (OSHA) created the Office of Small Business Assistance to help small business employers understand their safety and health obligations,...

How to Protect a Business from Inside & Outside Theft

Chicago businesses lose millions of dollars every year due to theft. Losses from theft can occur in several different forms, and the following paragraphs outline some of the ways theft...

Stay Clean to Stay Healthy

Important Precautions to Prevent Food Cross-Contamination Foodborne illnesses, such as E. Coli and salmonella, can make patrons and employees extremely ill. These microorganisms are easily transferred...
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