Many employees drive company cars for their work-related duties. But what if the company car were your only car? Even as an employee of the company, it’s likely you are not listed on the company’s business auto policy.

So what happens when you borrow your neighbor’s car to run some errands on the weekend? This type of situation can leave you with serious gaps in coverage. Under a business auto policy, individuals using a borrowed auto for personal use are not covered, even if the policy covers hired or borrowed autos. The individual must be listed as an insured on the company’s business auto policy to have coverage.

Any owner of an antique or collector car knows the risk involved with simply taking your car out for a drive. Whether you’re hitting the road for fun or headed to an auto show, carrying these items with you wherever you go ensures a breakdown won’t keep you down.

Digital Power Station

Preventing disease is important to leading a healthy life. Detecting disease early is a key component to disease management and recovery. As Ben Franklin said “an ounce of prevention is worth a pound of cure”.

Achieving this “pound of cure” will be easier now than ever before with the new provision

Risk management isn’t limited to operations, finance, or within manufacturing facilities; there are risks to be aware of within physical office buildings and for office workers.

Tripping Hazards

Hunting accidents on vacant land can lead to a number of legal liability concerns. Homeowners with vacant land or farmland with exposures to third-party hunters should take a variety of measures to mitigate their exposure. Thus, consider the following recommendations if you own property with this exposure.

One of the most common questions for homeowners’ insurance coverage is the difference between market value and rebuild cost. The two are not directly related.

Insurance companies base your premium on the cost of rebuilding rather than the value of the home. Knowing how to differentiate between the two can make a difference in the amount you receive in the event of a disaster.

The reason for insurance, both business and personal, is to help us protect what matters most. However, simply having insurance is not enough when it comes to making and resolving a claim. Effective claims can save you money, ensure sufficient compensation, and minimize disruption to normal operations.

As the countdown to January 1^st continues, employers must continue to prepare for the changes that must be made to comply with the Health Care Reform.

Over the last 40 years, the digital age has dawned, and profoundly changed the modern society. As a business that is concerned about risk management, staying on top of the emerging risks is a necessity, but the mind boggling speed of technological advancement has made this difficult. With a modern business relying so much on technology, it is then imperative that every effort is made to manage the risks of a digital age.

Health Care Reform continues to be a highly debated topic. A recent New York Times/CBS News poll stated that 47% of their respondents still oppose the law, while just 36 % approve. At this point the biggest issue is the confusing mix of messages that are found in the media, on the internet, discussed at the water coolers, and shared among all Americans.