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It is good news that small businesses are thriving, with many of them enjoying growing sales over the last two years. The bad news is that their insurance protection has not kept pace, according to a recent report. That means an accidental loss could undo all the progress they’ve made, or even threaten their survival.

More and more employers are banning cell phones in the workplace because they are distracting enough to be a serious safety issue for workers. The Digital Distraction & Workplace Safety study, issued by Screen Education, reported that survey 14% of employer respondents said at least one accident had occurred at their workplace because an employee

Increasing construction project delays are combining with a hardening market for builder’s risk and liability insurance to create headaches for project owners and contractors. If your project suffers from delays, you may find it difficult or costly to extend the length of your insurance coverage as insurers have tightened their underwriting policies and some have

When you’re in the construction industry you already have lots to worry about: Keeping your workers safe in one of the most dangerous industries, uninsured or underinsured subcontractors, and finding experienced employees from a shrinking pool of talent. Not only that, but lawsuits lurk in any project, exposing you to serious losses that can threaten

Whether you are a general contractor, subcontractor or general industry employer hiring a contractor to do work, you will almost certainly have some share in the responsibility for identifying hazards and communicating to employees the safe practices, tools and equipment needed to perform the job safely. The employer and the contractor share an obligation to communicate

For the most part, when a business needs to file an insurance claim, the carrier accepts the claim and sends out an adjuster to assess the damage, after which it starts paying the claim. But the process sometimes doesn’t go smoothly, particularly if the insurance policy includes any number of exclusions. And many companies make