Insurance Insights

There’s nothing quite like the beauty, warmth and comfort that a fireplace brings to a home. But using the fireplace properly is an important step in keeping your home and family safe. In fact, the U.S. Fire Administration estimates that 75% of confined home heating fires occur in the chimney and flue of a fireplace. Simple practices and maintenance can help keep your fireplace in good condition, and help ensure its safe operation.

When a workplace injury occurs, a number of events are put in place that will ultimately lead to recovery – whether it takes days, weeks or months. But no matter how prolonged the recovery period, the first 24 hours after an injury are the most crucial.

When it comes to keeping a workplace safe and OSHA compliant, it’s difficult to overstate the importance of guardrails. In fact, according to OSHA, falls from elevation account for the majority of fatalities within the construction industry – with over 300 fatal falls occurring each year. Yet, failure to provide fall protection in the form of guardrails is among the most-cited OSHA violations on an annual basis.

Purchasing auto insurance can be a challenging process. Given the massive amount of information available, many policyholders are faced with deciphering the facts from the myths in order to arrive at the right insurance solution. To help clear up any misinformation surrounding your auto insurance policy and put your mind at ease, we’ve debunked eight of the most common auto insurance myths...

A vacant construction site may appear on the surface to be a harmless, inactive piece of property. But the truth is, theft, trespassing, fires, vandalism or other losses are constant threats.</p> <p>Losses of this nature might include not only the value of damaged or stolen materials, but also the liability of an individual being injured on the property and the loss of time if a crucial piece of equipment is damaged or stolen.

College students have a number of options when it comes to health insurance. For this reason, it&rsquo;s important to do your homework by examining the benefits and drawbacks of each one. Here&rsquo;s an overview of the four most common plans:

As the popularity of electric vehicles continues to soar, so does the need for electric vehicle charging stations. In fact, this amazing growth has prompted many companies to consider installing vehicle charging stations, also known as electric vehicle supply equipment (EVSE) stations. EVSE stations can be a large asset to your business; they can increase employee retention, improve your image and help you meet sustainability goals. However, the costs and risks of adopting a new and evolving technology can be even more significant if you don&rsquo;t take all of your unique considerations into account.

There are a number of factors that impact the pricing of your workers&rsquo; compensation premiums. Among the most important are the classification codes for each type of work done at your business. Each of these codes has an associated loss cost that represents the expected amount insurers will need to pay for a claim. And even though each of these costs are standardized by the National Council on Compensation Insurance or state governments, your actual premiums may be higher because of a concept called loss cost multipliers.