By: Jeff Ervin, AAI Mergers and Acquisitions (M&A) has continued to become an increasingly important practice associated with organizational growth, but it also exposes buyers and sellers to a variety of transactional risks. Representations and Warranties Insurance (RWI) was first used in 1999 as an instrument to protect against specific transactional risks and breaches of …
By: Ryan McLaughlin, CPCU | Account Executive When mitigating the damage of a cyber-attack, a timely response is paramount. To have an experienced insurance carrier as part of your support network goes a long way toward quickly mitigating loss. How Insurers Measure Your Cyber Risk Insurance companies start with revenue when measuring the cyber risk …
What Your Insurance Carrier Wants You to Know About Cyber Insurance Read More »
TBM’s Point of View: Terrorism Risk and Commercial Property Insurance By: Ryan M. McLaughlin, CPCU, CIC | Vice President/Account Executive, Michael Ballew | Managing Partner Terrorism and gun violence are unfortunately a tragic reality of the times. Active Shooters, Domestic and International Terrorism, and Work Place Violence have entered the lexicon in a way we …
Terrorism Risk and Commercial Property Insurance Read More »
The Challenges, Costs, Opportunities & Solutions in Today’s Challenging World of Multifamily Properties Risk Coverage By: Nick Aronson, AAI, CLCS | Principal Insurance Market Overview As most of us are aware, numerous, critical events over the past several years have led to the current uncertainties and complexities in today’s property marketplace for the multifamily …
Tips for preventing dangerous slips, trips, and falls Spilled coffee and office clutter may seem harmless, but can spell danger in the office, causing injuries that result in medical costs and serious pain. Injuries caused by slips and trips range from sprained or strained muscles and joints, to broken bones and head injury. To ensure …
On July 15, 2015, the U.S. Department of Labor (DOL) issued an administrative interpretation to clarify how to determine whether a worker is an employee or an independent contractor. Employee misclassification is a growing concern for the DOL. An increasing number of U.S. workplaces are restructuring their business organizations, creating a higher risk of misclassifying employees as independent …
KEEP CUSTOMERS’ PERSONAL INFORMATION SAFE Identity theft is very common at restaurants, and thieves are finding more ways than ever to obtain personal information. Any time a patron makes a purchase, they are trusting us with sensitive information, and it is our responsibility to protect that information. It is important that you do your part when …
On Nov. 2, 2015, President Obama signed the Bipartisan Budget Act of 2015 (Act), which is a two-year budget deal. One provision in the Act will allow OSHA to increase the maximum penalty amounts it imposes on employers that violate occupational safety and health standards. These increases will become effective by Aug. 1, 2016. Justification for Increased Penalties …
OSHA PENALTIES TO INCREASE BY UP TO 50 PERCENT IN 2016 Read More »
On April 4, 2016, Governor Jerry Brown signed a bill into law that will increase California’s minimum wage rate to $15 per hour by 2022. The minimum wage increase will be phased in over several years in separate schedules for employers, depending on the employer’s workforce size. The law also extends paid sick leave for certain employees. Applicability The …
OVERVIEW On July 1, 2016, the Occupational Safety and Health Administration (OSHA) issued an interim final rule that increases the civil penalty amounts the agency may impose on employers that violate workplace safety and health standards. The increased amounts will apply for penalties proposed by OSHA on or after Aug. 1, 2016. These will include any penalties associated …
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