Whether you are a risk taker or risk-averse, a comprehensive risk management strategy is a competitive advantage. It can protect your business from the risks that threaten to undermine what you have built. We help you understand the total cost of risk — going beyond insurance and taking into account the impact of assumed risk and uninsured losses, along with administrative costs and other factors.
Our decades of experience providing insurance brokerage, consultation and risk management services, combined with our in-depth knowledge of your business, work together to deliver effective risk management solutions that promote growth while improving profitability, so you can focus on running your business.
Peace of mind comes from understanding and managing your risk exposure. We give you the tools and guidance you need to act with confidence through:
Recent business impact from the COVID-19 pandemic and nationwide protests have left many employers wishing they had been better prepared to respond to such significant disruptions and uncertainty. When a disaster or emergency situation occurs, time is of the essence for employers to respond. A failure to do so timely and effectively can be the difference between your organization surviving and your operations being interrupted so significantly that it ultimately fails.
Unfortunately, no one has a crystal ball that can predict when and where civil unrest will occur. The good thing is that if a business has the proper insurance policies in effect, it most likely already has some type of protection for such damages. But statistics show us that only roughly half of businesses are covered by these policies, putting themselves at significant risk, especially those businesses that are more prone to being subjected to civil unrest. Most small and medium employers (those with up to 100 employees), should have businessowner policies (“BOPs”) that cover property, liability, and business income protection when the business is closed due to damages.
Two common OSHA questions we are receiving during the COVID-19 pandemic are about whether cloth face coverings are considered personal protective equipment (“PPE”) under OSHA’s rules, and whether employees who test positive for COVID-19 must be recorded on the OSHA log. In recent weeks, OSHA has provided guidance that helps to answer these questions for employers.
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