commercial insurance

As technology becomes increasingly important for successful business operations, the value of a strong cyber liability insurance policy will only continue to grow.  The continued rise in the amount of information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses.  In an age where a stolen laptop or hacked account can instantly compromise the personal data of thousands of customers, or an ill-advised post on a social media

Ride-sharing has been popular for several years, but is just now moving into smaller towns and communities.  More and more are beginning to ask what is ride-sharing?  Do I have coverage if I decide to become a TNC driver?  What are the coverage gaps?

What is Snap Map?

Introduced in a June 2017 update, Snap Map allows users to share their exact location with friends within the Snapchat app.  Snap Map gathers location data using a smartphone's GPS sensor and displays the time of day an individual is at a specific location and his or her speed of travel.  This information is shown on a map that can be accessed when a user first opens Snapchat and pinches the screen to zoom out.

Every day, more than 1 million people become victims of cyber crime, according to a study by Symantec, a computer security software company.  Businesses, both large and small, are increasingly reliant on the Internet for daily operations, creating attractive and potentially lucrative targets for cyber criminals.

There are many facets to an insurance claim.  One of these is called subrogation.  Subrogation means, in a sense, that one party has the right to "step into the shoes" of another party for the purpose of bringing a claim for damages.

Subrogation is the right for an insurer to legally pursue a third party that caused an insurance loss to you.  This is done as a means of recovering the amount of the claim paid by the insurance carrier to you for the loss.

​Home projects should end in positive results, but things can go very wrong if you hire a fraudulent or unqualified contractor.  Use the following advice to help avoid a nightmare.

Summer is coming, giving high school and college students a break from studying.  Will you be employing these young workers?  Now is a good time to refresh yourself on child labor laws and the perspective of someone new to the workforce.  Young workers may not have the experience or knowledge of hazards.  Please take time to protect these workers and your business from distress.

OSHA provides the following website focused on employer responsibilities for keeping young workers safe:

Trilogy and Horizon Program Represent Westfield's Top Performing Agents

WESTFIELD CENTER, Ohio, May 11, 2015 - Westfield Insurance, a super-regional, customer-focused insurance carrier represented by approximately 1,000 independent agencies, announced its latest group of agencies qualifying for their Trilogy and Horizon programs.