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Types of Business Insurance You Never Knew Existed

Your company may need more than the bare-bone business insurance. Insurance coverage is available for every conceivable risk your business might face. While many companies search for the insurance that will protect them from slip-and-fall claims and the occasional office fire, there are more coverages available that provide optimum coverage. Here are a few types of business insurance you never knew existed, and where your coverage may be failing! Employment Practices Liability Insurance (EPLI) This covers liabilities that may arise in the employment process. Claims of employment and unfair dismissal, discrimination, sexual harassment, or other civil or legal rights can be covered. EPLI insurance can cover the trial for which the insured is responsible, as well as other legal defense costs. Terrorism Insurance Insurance against terrorism can be written in the database of commercial property or other commercial insurance policies. This can protect your company from loss and damages due to a terrorist attack – ... Read more

Renter’s Insurance: Is it for Me?

If you rent a house, apartment, or condo, protect your belongings and home with renter’s insurance!   If you’re wondering if you should purchase renter’s insurance, take a look around your rented apartment. Your sofa, TV, laptop, books, clothes, and jewelry all add up in value. Now imagine that those items are burnt embers from a house fire. If you’re panicking about losing your items and having to replace all of them yourself, you’ll want to secure your belongings with renter’s insurance! Why Do Renters Need Insurance? More often than not, renters don’t think about insurance. After all, they only rent the apartment, and typically, the responsibility of the property falls to the owner. However, those renters have an apartment full of personal belongings that wouldn’t be covered in the event of damage. Rental properties share all of the same dangers as any other home, including fire, lightning, hailstorms, flooding, and explosions. Additionally, ... Read more

How Telematics is Changing Insurance Claim Handling

The future of technology is coming to insurance claims. While information derived from usage-based insurance telematics hasn’t fully been utilized in the claims process, the benefits that it can provide – consistency, efficiency, and accuracy – offer a way to reduce claims costs. Telematics is considered an accurate way to predict loss costs for insurers in Britain already. They have been implementing telematics information as the first notice of loss. But how can telematics change the insurance future? LexisNexis Outside of the U.S., every LexisNexis client using telematics data in its claims processing is experiencing significant savings. Should an accident happen, the information is transmitted back to LexisNexis. The information is then used as a first notice of loss (FNOL). A message alerts the carrier of the insured’s accident. The carrier can then reach out to the insured and send help to the scene. The insurer can also expedite repairs! They can send a tow ... Read more

4 Ways to Make Exercise More Fun!

Don’t believe that fun and exercise are synonymous? Read on! Many of us are hitting the gym hard or taking running lunches to trim away the Christmas turkey and tone our tummies for the summer sun! However, the quiet buzz of treadmills, the fluorescent yellow lighting, and the smell of sweat, regret, and failure in the gym is inspiring no one! For those who need to make exercise more fun and less dull, here are our top 4 tips! Go Outside: If you’re in the ever-sunny state of California, opt for outdoor running and training to boost your body into workout action! Exercising outdoors is a great way to keep things interesting! Pair Up: Have a friend that struggles with the daily grind at the gym? Exercise together! Not only will you motivate each other to work harder but you’ll actually look forward to sweat sessions! Switch It Up: If you’ve been doing crunches for ... Read more

Top 10 Workplace Discrimination Claims in 2015

Know what claims frequently cause business downfalls. In 2015, retaliation charges increased by nearly five percent and continues to be the leading concern raised by workers across the country. In our ever litigious society, should an employer feel disgruntled, they will make it known – or their lawyer will. The U.S Equal Employment Opportunity Commission (EEOC) released breakdowns of the 89,385 charges of workplace discrimination that the agency received during the 2015 fiscal year. EEOC resolved 92,641 charges during this time and secured more than $525 million for victims of discrimination in the private sector and state and local government workplaces through voluntary resolutions and litigation. The top 10 charges were as follows: Retaliation: 39,757 accounts Race: 31,027 Disability: 26,968 Sex: 26,396 Age: 20,144 National Origin: 9,438 Religion: 3,502 Color: 2,833 Equal Pay Act: 973 General Information Non-Discrimination Act: 257 With that information stated, all business owners should take action to ensure their company runs correctly and has proper protection in place, should a ... Read more
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