Blog

Exposures

Insurance Tips for Recent College Graduates

Congratulations on graduating from college! As you embark on your next chapter in life, it's important to consider your insurance needs. While you may have very little to protect now, insurance also protects future earnings!

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The Optional Coverages - Are they really optional?

When insurance coverage is required by specifications and you intend to win that job, your decision to buy the insurance is easy. The hard part is finding the right coverage at the best price. But, what about the optional coverages? I’m not talking

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Indemnity Agreements for Surety Bonds

We are often asked questions as to why a surety needs personal information when qualifying a company for a bond. This all has to do with the principle of indemnity. The surety bond product itself would cease to exist without this principle. In this post,

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Cybersecurity Awareness

Do You Know that October is Cybersecurity Awareness Month?? Of course you know.  Cybersecurity Awareness appears everywhere in October.  But,id you think about how it affects you?  Did you take action?  If not, here are a few reasons you should

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Fiduciary Liability vs. Fidelity/Crime Coverage

Fiduciary Liability, Fidelity, Crime, Theft, Employee Dishonesty, 3rd Party Crime, ERISA Bonds – Oh My!! Anotheret of coverages in oureries of articles describing The Optional Coverages – are they really optional?  What do all of these terms

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What your ERISA Bond is NOT!

Your ERISA Bond is NOT: Fiduciary Liability Insurance, Employment Practices Liability Insurance, Errors and Omissions Insurance, Directors and Officers Liability Insurance, Identity Theft Insurance. This post explains the difference.

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COVID-19 Impact on Cyber Risk

Training your employees to safely work remotely is almost as important as practicing social distancing.  It may not save a human life but it can save your business.   Establish an Incident Response Plan (IRP) to identify the response team, methods

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Between the Sheets - Quality Coverage Matters

Recently, we had the pleasure to work with a young entrepreneur who had started a consulting company and raised over multiple millions of dollars in investments from over twenty different sources.  The company had grown from 4 to 14 employees in a year

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