Business Insurance

Despite the recent spate of recalls in the auto industry, it’s difficult to find catastrophic fault with today’s new cars. It’s been ages since the industry produced vehicles that were so mechanically misbegotten they’d, say, drop a transmission to the pavement within days after being picked up at the dealership.

It is a common misconception that pinch injuries cannot be serious. In fact, pinch point injuries can be deadly, and they are one of the most common types of on-the-job accidents. Pinch point hazards are particularly difficult to guard against because they are everywhere.

Illinois does not have a statute or regulation generally addressing drug testing of employees and applicants by private employers. However, Illinois law requires that employers working under a public works contract have a written program in place for drug testing employees.

Cut-off machines are high-speed, fast-cutting power tools used in landscaping to cut concrete, asphalt and metal. Not surprisingly, these powerful machines can be very dangerous if not used properly.

Insurers often combine a number of insurance coverages into a package that is sold as a single contract. The most common policy for small businesses is the Business owners Policy (BOP). The BOP combines coverage for all major property and liability insurance risks as well as many additional coverages into one package policy suitable for most small businesses.

From time to time, you'll be asked to provide a loss-run report, either on a new insurance application or on a renewal. What exactly are loss runs, and why do insurance companies request them? What follows is an explanation of everything you need to know about loss runs and how they affect your application or policy renewal.