Too often, the focus of umbrella/excess (excess) placements is limit and premium. This is especially true when the excess says, “follow form.” The excess policy is not reviewed because it is assumed all the primary terms and conditions of the primary are the same in the excess. As a general matter,...

Equipment Breakdown Coverage Endorsements protect against sudden, accidental and unexpected damage to or breakdown of home systems or appliances, such as HVAC, security, generators, pool equipment, media, smart home and/or other residential equipment. Equipment Breakdown Coverage is meant to supplement your...

We are all too familiar with the term: human trafficking. There are those out there, who are committed to the practice of illegally transporting people from one country or area to another, with the purpose of forced labor or exploitation. The purpose of this blog is not to debate or define the types, rather to...

Upgrading your aircraft from one model to the next can be one of the most thrilling aspects of aircraft ownership. Our team members have personally made the leap multiple times from single-engine to multi-engine to turboprop and back, adjusting the fleet as the mission changes. The current trends in aviation...

There can be misconceptions about the details of insurance policies. It takes time and attention to secure the right insurance coverage, limits and premiums. Many policyholders do not realize the level of coverage they have or how much liability protection is needed to completely protect their personal assets....

Sadly, drug theft is on the rise both in hospitals and in the long-term care community. Both environments have some degree of preventive measures in place to discourage drug theft or drug diversion, yet it is much easier to access medications – and steal them – in nursing homes, assisted living...

In the last twelve months, we have seen an increase in the number of divestitures and acquisitions taking place in the oil patch. For many operators in the industry, the buying and selling of existing production and/or leases seems to be a revolving door. Unfortunately, many of these deals stall when it comes to...

Occupational Safety and Health Administration (OSHA) recordkeeping requirements have long posed employers with stressful tasks and situations to stay up to speed. Making the situation even more taxing, in recent years OSHA has increased the cost of fines and started giving out citations on an incident-by-incident...

Traditionally, insurance professionals and buyers have focused on how to protect the company from unintended events that can lead to property damage, financial loss, injuries or even death. Over the last few years, deadly active assailant events have added a new area of concern. Real estate owners are especially...

The Drug and Alcohol Clearinghouse has launched. Do you understand what is required? Since it opened on January 6, 2020, it’s important for motor carriers to understand the reporting requirements. Step one: motor carriers can register here. Consider these next steps and basic requirements: New Hire CDL...