Insights
Property Rates are Increasing. What’s Driving This Trend?
Policy holders may notice rate spikes in their property insurance and wonder why their premiums are rising. Some premium increases are caused by things out of your control, like inflation, but other factors concern you specifically – including your claims history and...
Workplace Safety Increases as Workers’ Compensation Claims Drop
Regulatory reforms and advancements in workplace safety have caused the frequency and severity of Workers’ Compensation claims to decline significantly. As injury rates drop, Workers’ Compensation costs also decrease; providing significant benefits to the employers....
California Passes Groundbreaking Legislation to Limit Independent Contractors
California Governor, Gavin Newsom, recently signed a new bill that makes it more difficult for companies to classify their workers as independent contractors rather than employees. This legislation is expected to change the employment status of more than a million...
How Recessions Impact Workers’ Compensation
Many economists believe that a recession is on the horizon, and Bank of America forecasted a greater than 30% chance of a recession starting within the next year. How will the predicted economic downturn impact Workers' Compensation claims? The rate of workplace...
Safeguard Your Home Before Winter Weather Hits
The leaves are falling, there’s a chill in the air, and winter is right around the corner. Homeowners should take precautions now to protect against winter weather-related damage. There are inherent dangers associated with winter weather; including frozen pipes, ice...
Safe Harvesting Tips in Honor of Harvest Safety Week
The National Grain and Feed Association (NGFA) has announced the first-ever Harvest Safety Week, October 14-18, to promote health and safety in the workplace and out in the fields. As feed and grain workers are working long hours during this busy time, it’s important...
Don’t Get Hacked: Get Covered
You've been hacked! These are three words that we dread in our society of technology dependency. In 2018, billions of people were affected by data breaches and cyberattacks. USA Reports that 765 million people were hacked in the months of April, May and June alone –...
Up in Smoke: Insuring Cannabis-Related Businesses
The sale of legal cannabis is projected to reach $20 billion within three years. With 33 states passing laws to legalize medical cannabis and 11 allowing recreational marijuana, the insurance industry is beginning to take notice. California blazed trails by announcing...
Tips to Properly Protect Your Home This Hurricane Season
All eyes are on the weather as we approach the peak of hurricane season. While hurricane season lasts from June 1-November 30, the most significant risk is around September 11th. Early forecasts predict nine to fifteen named storms to hit our coasts during the 2019...
Amazon’s Fast Delivery is Changing the Marketplace
People typically prefer to shop in a brick and mortar store because they can get the items the same day. Amazon is on a quest to disrupt that model. In exchange for a $119 per year annual fee, Amazon is on a fast track to putting items in the hands of its Prime...
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