Insurance Insights

As the COVID-19 crisis continues to impact businesses across the country, a growing number of confrontations have occurred when workers attempt to enforce their establishment’s COVID-19 prevention policies. As a result, the Centers for Disease Control and Prevention (CDC) recently issued new guidance instructing employees not to force any customer who appears upset or potentially violent to comply with their workplace’s COVID-19 prevention requirements.

Many contractors assume an environmental claim will be covered under their commercial general liability (CGL) policy. The unfortunate reality is that most CGLs contain pollution exclusions that leave contractors uninsured in the event of a pollution incident. Thankfully, contractors are increasingly turning to Contractors Pollution Liability (CPL) Insurance to ensure they have the right coverage in place to remain secure and profitable.

With an unprecedented number of Americans working from home as a result of the Coronavirus pandemic, employers have become increasingly aware of a new threat—cyber criminals seeking to capitalize on COVID-19. Cyber scammers will pose as charities or legitimate websites to lure victims into sending money, revealing personal information, or unwittingly disclosing sensitive data that could compromise their employer’s security.

There are a lot of great reasons for purchasing a home security system. At the top of the list is the shield of protection it provides for you and your family. You also get the peace of mind that comes from knowing that would-be burglars will think twice when they discover your home is well protected and monitored. The mere presence of a security system lawn sign can serve as a deterrent.

If your company maintains a fleet – whether it be a handful of cars or dozens of commercial vehicles – you’re well aware of the positive impact efficient fleet management can have on your bottom line. But managing a fleet and drivers can be a challenge, particularly given the potential for accidents, employee injuries, liability concerns and increased costs associated with vehicle upkeep.

The American economy has experienced an unprecedented downturn as a result of the COVID-19 crisis. Decreased revenue has forced many employers to consider laying off workers to save costs. However, with layoffs comes the inherent risk of being sued by a terminated worker.

In today’s business environment, safety-related costs can be the difference between reporting a profit or a loss. In fact, according to the Occupational Safety and Health Administration (OSHA), workplaces that establish safety and health management systems can reduce their injury and illness costs by 20 to 40 percent. An effective safety program can also improve productivity and increase employee morale on the road.

With ample public information about fall hazards widely available, preventing residential construction workers from falling off roofs should be simple. Yet, injuries and deaths continue to mount. In fact, according to data from the U.S. Department of Labor’s (DOL) Bureau of Labor Statistics, an average of 40 workers are killed each year as a result of falls from residential roofs—the number one cause of workplace deaths in construction.