Homeowner’s or a renter’s insurance will protect your belongings in your home and help you to replace them if they are stolen, damaged, or destroyed. Some valuable possessions are excluded from homeowner’s or renter’s policies. Often, lists of certain items or general types of belongings are provided in the insurance policy contract. How do you … Continued
Many of us had envisioned that we would see less enforcement in the Health Insurance Portability and Accountability (HIPAA) compliance arena. This is not the case. According to the U.S. Department of Health & Human Services Office for Civil Rights (OCR) they had a record year in 2018. The news that the OCR is collecting … Continued
Over 140,000 households suffered a loss of power throughout southwestern Pennsylvania due to yesterday’s windstorm. After an event like this, it is a good time to ask: are you prepared for severe weather and have your taken steps to mitigate property risk? Here’s a quick overview during a weather advisory that our clients find helpful: … Continued
Bringing your favorite pet can add to the fun of a vacation, but only if you plan ahead carefully. Here are some tips for a safe & low-stress trip: Your dog or cat should have identification tag on its collar, as well as identification on your pet’s crate. Be sure to include the pet’s name, … Continued
On January 1, The Pennsylvania Insurance Department approved a new workers compensation rate filing which reduced rates an average of 10%. This unusual mid-year rate change was the result of two independent circumstances. The first was an erroneous company report that was filed as part of the November 2017 loss cost calculation. The second was … Continued
In June and July of 2017, Henderson Brothers reported on the impact that the Pennsylvania Supreme Court’s decision in Protz v. W.C.A.B. (Derry Area School District), 161 A.3d 827 (Pa. 2017) (“Protz”) would have on workers’ compensation insurance. After about 16 months of fall-out from Protz, on October 24, 2018, Governor Wolf signed House Bill … Continued
Historically, as a venue destination, your exposure to losses related to the selling, serving, or furnishing of alcoholic beverages was marginal. You could operate day-to-day as a VFW, fire hall, church, museum, or art gallery, host events where alcohol is involved, and rely on a standard form commercial general liability insurance policy to help protect … Continued
Statistics show that when workers’ compensation claims are reported in a timely manner, there is a better outcome for both the injured worker and the employer. The Pennsylvania Workers’ Compensation Act has several strict timeline limitations that if not adhered to could result in a denial of benefits to an employee or penalties for the … Continued
Can I add my personal vehicle to my business policy?” “I need to add a driver – my 16-year-old son just passed his driver test.” One of the most common questions I receive on a regular basis, across all types of businesses, involves covering personal auto exposures on commercial auto policies. Before making this decision, … Continued
When a safety program is in force and everything is in place, it is sometimes easy to think that we are in the clear. What happens when a severe injury occurs? Was it an amputation or loss of an eye? Was the employee admitted to the hospital or were they just there for observation? Does … Continued
