Commercial Auto Tag

Continuing last week's topic of Non-Owned Auto Third Party Liability Another important aspect of "Non-Owned Auto" insurance for business owners is delivery. Unlike errand-runs during work hours in their own vehicles, delivery by your employees in their own vehicles is NOT included in your optional "Non-Owned Auto" coverage. If your employees perform deliveries for your...

Do your employees run errands for you during business hours driving their personal vehicles? (Other than for delivery) If so, and one of them becomes involved in a car accident that is their fault, your business is held liable as a third party! Here are some steps to ensure you are...

Here are some useful tips to enforce accurate incident reports: 1) COMPREHENSIVE INCIDENT REPORT PROCEDURE -Have a form your employees fill out at the time of an incident, which includes: *Date and Time of incident *Name(s) of involved individuals *Details of the incident (SAMPLE INCIDENT REPORT - CLICK HERE!) 2) RESTROOM CLEANING LOG -Used to thoroughly...

Every incident involving a customer should be taken seriously. Acting fast can help mitigate a claim and reduce the impact on your business. Here are some steps you can take to protect yourself: 1) Call 911 if there are serious injuries and/or the customer requests it. 2)...

In today’s increasingly litigious world it is vital to make sure you have the liability protection you need when you need it, that is before the incident happens. Juries can and do find in favor of the claimant even when all logic dictates otherwise. Some...

PPACA Individual Mandate Upheld by Supreme Court On June 28, 2012, the U.S. Supreme Court issued a 5-4 decision ruling that the mandate for every American to have health insurance was constitutional. This means that beginning in 2014, everyone will be required to have health insurance,...

If you have a business that is entrusted with your customer's personal information, such as credit card information, then you are at risk if that information is compromised. Damages can include: Direct money damages for ID theft Breach of privacy Coverage for expenses resulting from a breach of...

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