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Commercial Connections – Vol 2, Iss. 4, 2013

Fearing Cyber Loss? Get Cyber Coverage

It seems every day another news story breaks about businesses suffering from digital theft, security breaches, or copyright infringements or allegations. In a marketplace increasingly reliant upon online communications, the risk of such losses grows.

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Are All Your Liability Risks Covered?

You need liability protection for more than premises and operations risks. Be sure you are also protected for "management risk." When you make management decisions, the liability exposures may be even greater than a slip and fall or vehicle accident.

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3 Keys to an Effective Safety Management Program

Although creating a comprehensive safety management program can involve numerous and sometimes complex steps and procedures, it is important to be certain all of those details fully address three key questions:

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5% Is the Difference between Damage & Disaster

When you think of high winds and severe building damage, what image comes to mind? Tornadoes? Hurricanes? Blizzards? A brief thunderstorm? Many building owners may not consider an isolated thunderstorm to be the cause of high-risk damage. But recent tests conducted by the Institute of Business and Home Safety (IBHS) prove otherwise.

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Do I Really Need Flood Insurance?

Many business owners ask this reasonable question, especially as media reports have increased about the changes in the National Flood Insurance Program and its rates mandated by the Flood Insurance Reform Act of 2012, also known as the Biggert-Waters Act. In answer, consider the following facts from the National Flood Insurance Program (NFIP):

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Business Entertaining? Time to Set Sail!

Many businesses look to the water instead of the traditional restaurant as a venue for social entertainment. Taking customers out on a boat instead of to a meeting room or banquet hall offers a multitude of potential advantages: more relaxed atmosphere, less crowding, fewer distractions, pure novelty, and great scenery. Depending upon the weather and location, swimming and fishing may be on the docket. Or just a sightseeing tour, with refreshments or dinner included.

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Yes, Even Snow-Covered Buildings Burn!

Last October's Superstorm Sandy caused unprecedented catastrophic damage and destruction. If you think that a hurricane or tropical storm striking the upper Atlantic Coast or New England is a historical oddity, especially at this time of year, consider just these storms from the last 10 years:

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