Commercial insurance is fundamental to the financial health and stability of modern economies. At its core, a business insurance policy is a method of risk transfer from the commercial policyholder to the insurer. The terms of the risk transfer are contractually defined by the terms, conditions, and limits of the insurance policy. However, not all […]
Is That Independent Contractor You Are Hiring Really an Employee?
Employment Practices Liability (EPL) claims are on the rise as companies reevaluate staffing levels and continue to outsource work, understanding how your EPL policy will respond is important. The gig economy is full of freelancers or independent contractors who provide their services to a company or that company’s clients. These workers are often online platform […]
Clean Up or Pay Up
Discover how inattention to proper clean-up could impact a business’ third-party liability. Read a scenario in which “clean up or pay up” could potentially apply to a commercial business. Whether you read it, hear it, or say it, there is definitely a common-sense ring to the phrase, “clean up or pay up”. It’s a first-party […]