Featured Posts
Business Insurance
You may not worry much about stolen assets, but theft is the most common cause of loss for equipment covered by inland marine policies, followed by collision and fire damage. Help make sure your equipment is ready when you need it by protecting it from theft and vandals.
Personal Insurance
In Illinois, nearly 80% of all tornadoes occur from April 1st through June 30th. Adverse weather, such as high winds, heavy rain, hail and tornadoes, can cause extensive damage to homes and vehicles. Therefore, homeowners and drivers like you need appropriate insurance coverage, including policies and endorsements designed to provide financial protection against storm damage.
Recent Posts
Did you know a man sued Uber for ruining his marriage because his wife used the app to discover he was having an affair? Lawsuits impact businesses every year. If your business is involved in one, it can cost you tens of thousands of dollars to defend yourself. The right insurance policies can make all the difference in keeping your small business operating during a lawsuit and financially viable afterward.
Cybercrime is a type of criminal activity that didn’t exist 30 years ago. If you were running your small business back then, you wouldn’t have been worried about hacking, data breaches, phishing, malware, or spyware. Today, cybercrime is a global concern for businesses of all sizes in virtually every industry.
Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging: Discrimination, Wrongful termination, Harassment, Other employment-related issues, such as failure to promote.
You may not worry much about stolen assets, but theft is the most common cause of loss for equipment covered by inland marine policies, followed by collision and fire damage. Help make sure your equipment is ready when you need it by protecting it from theft and vandals.
One of the biggest components of workers’ compensation is an effective return-to-work program. Eliminating injuries and illnesses is paramount for reducing workers’ compensation costs, but after an incident, an program can significantly reduce workers’ compensation costs for employers and improve the lives of employees by getting them back to work when there is an injury or illness
Serving alcohol is a common practice for restaurants, bars, catering companies, entertainment venues and similar establishments. While providing a wide array of beverage options is important, serving alcohol in particular can create a variety of risks for business owners.
Every February through April, there is a rise in tax fraud by cyber criminals keen on stealing your personal and business’s financial data. Learn how to prevent these types of cyber attacks by being aware of the scams they use and having a solid cybersecurity program in place during tax season and all year long.
Correctly classifying workers as employees or independent contractors is essential for a company to comply with various federal and state laws. This cheat sheet outlines the U.S Department of Labor’s economic reality test for classifying workers. Employers can use this cheat sheet to help confirm they are considering the relevant factors when classifying workers.
Winter has already made its return to many parts of the country. Freezing temperatures, heavy snowfall and brisk winds are the reality for the next several months in areas like the Midwest and Northeast. With inclement weather comes the increased risk for slip and fall accidents – especially in icy parking lots or along walkways not properly cleared of snow.
On Jan. 9, 2024, the U.S. Department of Labor released a final rule, effective March 11, 2024, revising the agency’s guidance on how to analyze who is an employee or independent contractor under the Fair Labor Standards Act. This final rule rescinds the current independent contractor rule that was published on Jan. 7, 2021, and mirrors the proposed rule.
More and more people are choosing solar for their home’s electricity needs. Many homeowners also hope to save money over time by reducing their energy bills and taking advantage of tax incentives. While solar panels come with many benefits, they’re not a fit for every home. To decide whether solar power is a good decision for your home’s energy needs, consider the factors.
In Illinois, nearly 80% of all tornadoes occur from April 1st through June 30th. Adverse weather, such as high winds, heavy rain, hail and tornadoes, can cause extensive damage to homes and vehicles. Therefore, homeowners and drivers like you need appropriate insurance coverage, including policies and endorsements designed to provide financial protection against storm damage.
Tax season is a prime opportunity for criminals to hijack your identity for their own financial gain. Learn five ways to protect your personal information and help minimize your exposure to tax-related identity theft.
We get it. There are lots of reasons why you might consider selling your current car and getting a new one: maybe your financial situation has changed, or it’s costing you too much to maintain an older car, or your lease has expired. We've come up with a list of pros, cons, and tips to think about.
When money is tight, everyone looks for ways to cut back. One temptation is to let your car insurance expire, even for a short period of time. This really isn’t a great idea, because a car insurance lapse can cause you some unexpected problems.
If your home is used solely for your personal residence, then your homeowners insurance is not tax deductible. However, there are exceptions. Here are some instances to consider that could, in fact, make your homeowners insurance tax deductible.
Record-breaking distracted driving has created a great deal of alarm on the roadways, with more frequent and dangerous crashes – many of which are caused by cell phone use – becoming part of the norm in the U.S.
Foul weather, deep snow, and muddy roads can all have drivers craving more traction. There are four distinct drivetrain configurations to choose from: front-wheel, rear-wheel, all-wheel, and four-wheel drive. By learning how each of these systems works, you can better choose the right one for your challenges.
Part of the benefit of being a homeowner is being able to entertain friends, family and other guests. But what happens when something goes wrong and a guest causes damage?
You can file a claim without a police report, but having one can speed up the process. Here's what to do after an accident, and the importance of reports.