Boat Fuel Vents 101

Do you know what kind of fuel vent your boat has? Don’t feel bad if you don’t. New boat owners may not even know their boat has this piece of hardware, much less what kind it is, or where it is located. Here are the basic facts you need to know. Purpose The purpose of…

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Vessel General Permits

A vessel general permit is required for most vessels traveling in U.S. waters. The only exception is recreational vessels or small commercial fishing vessels. The Environmental Protection Agency put VGP requirements into effect to protect waters from any vessel that discharges pollution. Understanding if these permits affect you is critical for any business taking to…

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Cybercriminals Taking Advantage of COVID-19 Confusion

During the global coronavirus pandemic, when many people are trying to cooperate to ease suffering, cybercriminals are trying to capitalize on the confusion. With harried staff working long hours in demanding and difficult situations as well as more people working from home, IT security experts and Microsoft warn of increased numbers of healthcare cyber-attacks due…

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Protecting Your Company From EO Claims

Companies across a wide variety of professional service industries need to protect themselves against claims related to errors and omissions. Claims of this nature can be costly to defend and carry high damages, so it’s important to adopt a well-managed risk mitigation strategy in addition to adding an E&O policy endorsement to a commercial insurance…

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The 3 Most Common Injuries in Welding

Some jobs are more dangerous than others, such as welding. The use of specialized, but hazardous, equipment to manipulate metals at high temperatures creates a credible danger to even skilled workers. While insurance mitigates some of the risks, workers and companies can learn from frequent examples to succeed at avoiding welding injuries and keep everyone…

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Transportation Procedures for Assisted Living Facilities

Many assisted living facilities that offer a broad spectrum of medical care still need to periodically transport residents for medical services and appointments with outside care providers. It’s imperative that facilities follow all applicable guidelines and implement internal policies to ensure that all transportation is handled as safely as possible. Compliance With Regulatory Controls Assisted…

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Do You Need Stop Gap Insurance?

Most employers are led to believe that workers’ compensation covers their liability in the event an employee is injured on the job by covering lost wages, medical bills, and so forth. While it’s true that many states bundle liability protection into the worker’s compensation requirements, it’s not universally true. That’s where stop-gap insurance comes in….

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Assessing Flood Risk for Your Home

If your home isn’t located near a lake, river, or the coast, you may not be too worried about the potential for flooding. However, any home is at risk for flooding regardless of where you live. Understanding flood risk lets you be prepared with the right insurance protection since the typical homeowner’s policy won’t cover…

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Is Your Condo Association ADA Compliant?

The Americans With Disabilities Act is about three decades old now, but despite its longstanding requirements for accessible communities, many apartment companies and condo associations still struggle to make their units fully accessible. This is due partly to the way the ADA specifies accommodations be made, but also to the existing architecture, many of which…

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How a Risk Retention Group Benefits Business

Difficulty with securing the right commercial insurance coverage can lead to increasing problems for businesses. Risk Retention Groups (RRGs) are an alternative solution worth exploring for the advantages they offer. What is an RRG? A Risk Retention Group is an insurance company formed by businesses within a specific industry. RRGs were made more common due…

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