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Although property owners are generally not responsible for protecting trespassers, in some cases, landowners or those who occupy land under leases can be held responsible for injuries to children that are caused by man-made conditions on the property. Considered attractive nuisances, these might include buildings, construction sites, heavy equipment or even man-made ditches. Property owners have the power to thwart entrance onto their property and discourage young trespassers from getting hurt. One might use fencing, illustrated signs or other means to prevent children from entering the

Excess liability insurance (ELI), more commonly known as umbrella insurance, is one of the most important types of insurance your company can buy. It protects your business from holes or limits in existing policy coverage as well as from financially draining lawsuits. Just as you carry an umbrella to protect you from a potential downpour, ELI protects your company from the types of claims that could close your business. Umbrella Basics Businesses choose ELI essentially to back up the limits contained in their underlying liability policies (commercial general liability, business auto,

The only way to protect the assets of your business is to carry adequate Commercial General Liability (CGL) Insurance. A CGL policy protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable. CGL is usually triggered first in the event of a loss, so many business owners don't feel an additional endorsement or stand-alone policy is necessary. A typical CGL policy contains three coverages: A. Bodily Injury and Property Damage Liability (BI/PD) – the duty to indemnify and defend the insured for claims made due to

If your company stores data and information digitally, you should have a cyber risk management program that addresses prevention, disclosure, crisis management and insurance coverage in the event of a data breach. Good cyber risk management requires the planning and execution of all four of these components. Develop Strategies to Prevent a Data Breach Your data breach prevention strategies may include encrypting all devices used by your employees, such as laptops, tablets and smartphones. Encrypting these devices will prevent unauthorized access if a device is lost or stolen. Unencrypted

  Did You Know? According to the Federal Bureau of Investigation, staged accidents cost the insurance industry about $20 billion a year. Those losses get passed on to all of us in the form of higher insurance rates—at an average of $100 to $300 extra per month. STAGED AUTO ACCIDENT FRAUD Here are some scams to look out for: The Drive Down: You’re attempting to merge when another driver waves you forward. Instead of letting you in, he slams into your car. The driver will deny ever motioning you. The Swoop and Squat: The first car “swoops” in while another “squ

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