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Considerations for New York’s New Insurance Disclosure Requirements
On December 31, 2021, New York enacted into law the most extensive liability insurance disclosure requirements in the country. Defendants in New York...
5 Simple Steps to Renewing Your Benefits Programs
Planning ahead is the best strategy you can use when it comes to your Employee Benefits Program. Typically, in a renewal cycle, there are three major...
What is a Risk Retention Group?
Due to the 1985 hard insurance market, Congress passed the Liability Risk Retention Act of 1986. The act allowed the authorization to purchase group...
Captive Insurance Programs
Recently, Alternative Risk Financing options are gaining more attention. Before discounting these options, take a look into Captives. Companies that...
California Workers’ Comp Premium Assessment Rates 2022 Updates
As a policyholder, you may recognize that there are some California Workers’ Compensation Premium Assessment Rate changes. In 2022, policyholders can...
Do I Need Excess Liability or Umbrella Liability?
Which coverage do I need – Excess Liability or Umbrella Liability? Both? Neither? Your construction company has all the necessary insurance coverage...
What You Need to Know About Self-Insurance Programs
When it comes to risk financing for Contractors, there are a variety of methods that can be used to fund “hazard” losses. From Large Deductible...
The Role of Insurance vs. Indemnification in Contracts
In a contract, you are contractually bound by the indemnification article to pay for liabilities in whatever form you prefer. Payment of potential...
The Process to De-Risking Your Business
The goal of having a Risk Management Plan in place is to minimize your company’s risk. This protects you, your company, and your employees.