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Avoiding Premise Security Liability

Security can be a scary prospect for property managers. While you want to provide your tenants with a safe location to live or work, the level of security you need to provide is not always clear-cut, and if it is lacking could potentially make you liable for damages in the event of a crime. Whether you deal in commercial or residential rentals, premise security claims are on the rise and it is important to do everything you can now to avoid costly litigation in the future.Increasingly, tenants… READ MORE

Know Your Insurance: Common Auto Insurance Terms

Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance.The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker:Accident report form: Sometimes referred to as a police report, this form contains important information about an auto accident, such as circumstances that led to an accident, the parties involved… READ MORE

Questions to Ask When Making a Cyber Security Plan

As cyber-attacks continue to increase in scope and severity, every business needs to make a plan to prepare for an attack. However, an effective cyber security plan should also take your business’s unique traits into account, such as your online presence, third-party technology providers and access to customer data.Make sure to ask the following questions when you create your cyber security plan:Who is in charge of updating hardware and software at your business? Is there a plan in… READ MORE

3 Questions to Ask When Addressing Sexual Harassment at Your Business

It’s always been important to protect your business and employees from sexual harassment, but recent high-profile cases show the importance of re-examining this topic at your business. Social movements such as the “Me Too” campaign have drawn attention to sexual harassment in the workplace, resulting in a growing number of misconduct allegations. These allegations can result in a wide variety of claims and lead to serious financial and reputational damage.Insurance carriers… READ MORE

Calculating Your Renters Insurance Needs

Unexpected events like theft, vandalism or fires can wreak havoc on your personal belongings and cost you a fortune. Renters insurance is an affordable way to protect your belongings from losses—losses that can be far more costly than you may expect.Let’s examine what renters insurance covers and how to calculate your policy needs.What Renters Insurance CoversWhile policies can vary, most offer coverage for the following:Personal property coverage: This helps cover the costs to… READ MORE

Auto Claims After a Car Accident

Auto insurance is meant to protect you by covering your bills after an accident. However, the amount of compensation can vary greatly depending on the type of claim that’s made by insurance carriers and the value of your vehicle. The decision to have your vehicle repaired or declared a total loss directly impacts how much you receive.Determining a ClaimIf you’re in an accident, the at-fault driver’s insurance carrier will analyze the approximate value of your vehicle before… READ MORE

The Dangers of Uber and Other Ride-sharing Apps

Uber, Lyft and other ride-sharing services can make it easy to get a quick car ride or make some extra income, and they’re only becoming more popular. In fact, in the cities where these platforms are available, taxi ridership has declined anywhere from 10%-30%. However, the convenience of ride-sharing isn’t without risks. Most ride-sharing businesses are in the early stages of development, and the popularity, risk management and compliance issues they’re facing are all in… READ MORE

Winter Weather Driving Tips Video

With snow and ice covering the roads, driving during the winter can pose serious safety concerns. To keep you and your loved ones safe, follow these eight winter driving tips. For more information on  READ MORE

10 must haves in your car kit

Safeco Winter Car Kit: Add items that suit your individual needs. But, most importantly, keep the kit in your car at all times. Keep these additional safety tips in mind:Keep your vehicle well maintained (and gassed up).Create a trip plan and share it with friends or family.Stay in your car if you get stuck. Walking to find help is an easy way to get lost and separated from others in your party.To reduce battery drain, only use your emergency flashers if you hear vehicles approaching. You… READ MORE

Winter Weather Liabilities

The winter months bring more than just cold weather and shorter days; they bring the possibility for winter storms that may result in a snow- and ice-covered landscape. While it may be a winter wonderland for some, as a property manager, snow and ice buildup means a hazard with the potential for costly liability.If you deal with either commercial or residential property, you are responsible for the side effects of winter. In legal terms, snow and ice are the same as any other hazard presented… READ MORE