The Occupational Safety and Health Administration (OSHA), an agency of the Department of Labor (DOL), conducts about 73,000 workplace inspections each year. Given that OSHA or its state agencies have jurisdiction over 8 million job sites, the chances of your business being inspected are slim. Still, it’s best to be prepared for an OSHA inspection […]

Many businesses are born from a single brilliant idea. As that idea is put into motion, a company grows — and in some situations that growth is rapid. Along with this expansion, however, comes the reality of risk. There are approximately 30 million small businesses in the United States, according to the Small Business Administration. […]

The abrupt change to work from home as a result of the COVID-19 pandemic created various lasting impacts on companies of all sizes. Within a few days’ time, companies and employees had to make an immediate transition to doing their jobs from home. Teams without any remote working experience had to pivot and quickly adapt […]

Historic property and buildings give businesses an opportunity to serve their customers from one-of-a-kind locations, often with stunning architecture and charming curb appeal, while supporting cultural and historic preservation. But there are some crucial factors your company needs to keep in mind if you do business at a historic property. Whether you’re leasing or purchasing a […]

Hurricanes Harvey, Maria, Irma and Nate caused massive destruction when they landed in the United States in 2017, resulting in over $200 billion in damage. When weather events like this occur nearby, you naturally worry about how to keep your business running amid the devastation. Even if your business isn’t directly impacted, the delivery of […]

As a project owner, the way you evaluate and manage risks and make fiscally responsible decisions are crucial to your success. You typically cannot afford to gamble on a contractor whose reliability is uncertain or who might come up bankrupt halfway through a job. To mitigate this risk, investing in a surety bond is an […]

With the current labor shortage, contractors and contracting companies are backlogged. Homeowners with plumbing, electrical, and construction needs are being told it will take months to get a someone in. Because of this, many homeowners have turned to social media to recruit a skilled laborer. Hopefully one who can perform the work sooner than those companies already contacted. However, […]

Non-profit organizations are legal entities that aim to provide social benefits in some form. As a non-profit organization, you must be separate from the government and should not generate profits that provide personal benefit to any of the organization’s directors, officers, or other members. Because you provide benefits to society, nonprofit organizations are often considered […]

Our business clients often ask us what the difference is between general liability and professional liability insurance. This is an important question because each policy provides different coverage and you need to know which one—if not both—is applicable to your business. By understanding the differences, you can ensure you are managing the appropriate risks for […]

Workers’ compensation requirements vary between states, but most policies include a premium audit. The audit is required because premiums are typically paid up front based on estimated payroll dollars at the beginning of the policy period. The auditing process is designed to then verify these estimates at the end of the year and make adjustments […]