According to Aon’s annual Weather, Climate and Catastrophe Insight report, U.S. and European damage from natural disasters in 2023 totaled $380 billion. Losses from natural catastrophes in 2023 totaled $380 billion, well above century averages. Read how you can protect your business from these unplanned costs.

Falls take around 12,000 lives and cause more than 30,000 disabling injuries annually, reports OSHA. Those numbers don’t even approach the number of lesser injuries caused by slips, trips and falls every year. So, consider stepping up your efforts to keep walking surfaces clear and dry — and employees and customers safe.

Fire remains an expensive and common cause of property loss in the United States. A structure fire is reported approximately every minute of every day and results in approximately $12 billion in property loss every year. Planning ahead and being prepared can help you avoid becoming one of these statistics.

Sole proprietors are personally responsible for all business debts, taxes, and liabilities. In other words, there is no legal separation between the company and owner. Sole proprietor business insurance can be customized to your company. You'll want to consider your risk exposure and state requirements.

If you own or operate a business or have attended a private or public event or activity, you may have encountered a liability waiver or release agreement. A common practice that many business owners and service providers often rely upon is the use of liability waivers. Find out what these waivers actually mean.

The comfort of your employees is important, but so is their safety. With the colder weather , many employees utilize portable space heaters to help warm their areas and stay productive. However, when not used properly, these appliances can greatly increase the risk of a fire in the workplace.

The holidays often mean increased sales, new inventory and more customers. This time of year can also bring greater risks, from losses due to employee theft, to accidents caused by overstocked shelves. Taking steps to prepare well before the holiday season begins can help avoid these common problems.

While remote work may offer benefits to both the employee and employer, there are potential cybersecurity risks when employees work from locations outside of the office. To help minimize these risks, consider taking these precautions.

According to a Ponemon Institute study, 57% of consumers who received a breach notification letter said they lost trust and confidence in that business, while 31% ended their relationship. Few businesses and organizations can afford that kind of damage. So don’t wait for the worst to happen. Take action now.

In the world of insurance, a “peril” is an event or circumstance that could result in property damage. The term “hazard insurance” has been made popular by mortgage lenders when referring to dwelling coverage because they typically require the coverage, at a minimum, to protect their interest in the home’s structure.

From candles to candy and trees to toys, nearly every joyful holiday tradition also carries the potential for accidents and injuries. Even just the cold winter weather can be dangerous for the pipes in your home.

Throughout your life, you have most likely heard many things about how insurance works. For example, did you grow up thinking that car insurance costs more if you drive a red car?  Let’s bust these common insurance myths and uncover the truth!