January 23, 2025
jdowdinsWhat is a D&O Runoff Insurance Policy?
Understanding D&O Runoff Policies Directors and officers liability (D&O) insurance is a vital safeguard for business leaders making decisions on behalf of their organizations. However, when a company is merged with or acquired by another entity, these leaders may face personal liability if their D&O insurance is canceled or expires. In these scenarios, a D&O […]
January 21, 2025
jdowdinsHow To Lower Your Home Insurance Premiums
Many significant trends and patterns impacting the homeowners insurance market may be beyond the control of the average policyholder; however, policyholders can still take steps to mitigate rising premiums. Retaining adequate insurance protection is vital for financial security, even during difficult times. The following strategies may help policyholders lower their rates or limit upcoming increases: […]
January 14, 2025
jdowdinsNew Year, Happier Mind: Easy Wellness Habits
As a new year starts, many of us reflect on the past and set resolutions for the future. Although physical health goals often take center stage, focusing on mental wellness is equally important. Building good mental wellness habits can significantly enhance your quality of life, helping you navigate stress, improve relationships and achieve a greater […]
January 14, 2025
jdowdinsAre You Prepared For Wildfires?
Many homeowners face the risk of wildfires, which are usually triggered by lightning or accidents. They spread quickly, igniting brush, trees and homes. Some homes survive, but unfortunately, many others do not. Those that survive almost always do so because their owners had prepared for fire. Reduce your risk by preparing now to protect your […]
January 13, 2025
jdowdinsPreventing Theft and Vandalism in Small Businesses
Theft and vandalism pose significant risks to small businesses across all industries. These incidents can lead to financial losses, property damage and operational disruptions. Given these potential consequences, business leaders must take steps to safeguard their organizations. This blog explores the risks of theft and vandalism, prevention strategies, response protocols and essential insurance considerations. Theft […]
January 8, 2025
jdowdinsTeen Driving Awareness Month
Motor vehicle crashes are the leading cause of death for teenagers in the United States. It’s crucial to form safe driving habits to help mitigate the risks of being in an auto accident. Talk to your teens about the following: Put down the phone. Many teens admit to using cell phones while driving. Ask teens […]
January 6, 2025
jdowdinsThe ABCs of D&O Insurance
D&O insurance policies typically include three standard insuring agreements—Sides A, B and C—detailing the scope of coverage and the insurer’s promise to indemnify policyholders against covered losses: Side A (D&O liability coverage)—Side A protects individual directors and officers against losses when the organization cannot indemnify them. This coverage safeguards personal assets and is crucial for […]
January 2, 2025
jdowdinsKey Safety Tips for Radon in Your Home
January is National Radon Action Month. According to the U.S. Environmental Protection Agency, radon is the leading cause of lung cancer deaths among nonsmokers in the United States, claiming the lives of approximately 21,000 people each year. Radon may enter your home through cracks in its walls, basement floors, and foundations. It is formed naturally […]
December 26, 2024
jdowdins5 Insurance Policies for Small Businesses
With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Understanding the following five insurance policies can help your business make decisions to financially protect employees and the business’s bottom line. 1. Commercial Property Insurance In the case of a catastrophic […]
December 20, 2024
jdowdinsEmployment Practices Liability Insurance Tips
Tips for EPLI Insurance Buyers Assess your employee handbook and related policies. Ensure you have all appropriate policies in place, including language on discrimination, harassment and retaliation. Implement effective sexual harassment prevention measures (e.g., a zero-tolerance policy and a sexual harassment awareness program), reporting methods and response protocols. Promote diversity, acceptance and inclusion in the […]