More Firms Ban Smartphones at Work for Safety Reasons

| posted in Blog, Newsletter

More and more employers are banning cell phones in the workplace because they are distracting enough to be a serious safety issue for workers. Most notably, General Motors has banned all employees, including its CEO, from walking around with their mobile phones while talking, texting or using other smartphone functions. You already know the dangers of using your phone while behind the wheel, as vehicular deaths have spiked since the ubiquity of smartphones. But in many workplaces – think warehouses, construction sites, factories and other worksites with equipment and inventory – the distraction of a smartphone can have deadly consequences….
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What to Do After a Hit-and-Run Accident

| posted in Blog

Most of the time, if you’ve been in a collision, the other party stays put so that you can exchange insurance information and wait for police or emergency services if there is a dispute or injury. But on occasion, the other driver flees the scene, leaving you likely frazzled and scrambling. If you carry uninsured driver’s coverage, the costs will be covered by your insurer. However, there things you should and shouldn’t do if you’ve been involved in a hit-and-run accident. Whatever you do, do not follow or chase the fleeing driver. If you also leave the scene, you may…
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Protective Safeguards Endorsement: How to Avoid Having Your Business Property Damage Claim Denied

| posted in Blog

Whether you own and insure your office or other business property, or insure the office or building you rent, you will obviously want to make sure that you have an automatic sprinkler system or some other fire detection or suppression system in place in case of fire. You’ll also want to make sure that your fire alarms are working and that you have service contracts for periodic inspections of your facilities to identify fire and other risks. But what happens if there’s a fire in your building and your sprinkler system fails? Well, when you make your insurance claim you…
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Exclusions: What Your Cyber Policy Does Not Cover

| posted in Blog

As the threat of hacking and cyber attacks on the databases of all organizations grows, so has the uptake of cyber insurance policies. But when buying a policy and anticipating a claim, it’s important to know exactly what’s covered. All insurance policies have exclusions for what’s not covered but, since cyber insurance is new to most companies, you may not know what isn’t covered by them. This article will look at the most common exclusions of these policies, which –because they are still in their infancy – will vary from insurer to insurer. But for the most part, these are…
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