Attractive Nuisances on Construction Sites

Attractive nuisances are manufactured conditions on your property, vacant site or active site after hours that draw trespassers, particularly children and minors. Construction sites pose significant attractive nuisance hazards. The general contractor on the site can be held liable for any injuries trespassers sustain due to these conditions. Construction employers can prevent entrance onto worksites…

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Understanding Contractual Risk Transfer

Contractual risk transfer (CRT) involves shifting financial responsibility for specific risks from one party to another within a contract. This risk management strategy is crucial for construction employers, as it places liability on subcontractors, vendors or service providers. In this way, CRT protects employers’ margins, reduces uninsured losses and helps ensure insurance coverage for losses.…

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Understanding Home Renovation Risks

Whether you’re building a new home addition, adding a feature like a swimming pool, redoing a bathroom or upgrading an electrical system, understanding and addressing possible renovation risks is critical. 5 Key Renovation Considerations In the lead-up to your project, your insurance agent can help review potential risks and concerns that may require attention. Specifically,…

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7 Employment Policies to Review in 2026

Employee handbooks serve as a foundational tool for shaping workplace culture, guiding employee behavior and safeguarding organizations against legal exposure. Yet too often, employers overlook the importance of keeping employment policies current. When employee handbooks are not regularly reviewed and updated, organizations can face increased exposure to legal risks and liabilities. In today’s rapidly evolving…

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Understanding Miscellaneous Professional Liability Insurance

Businesses delivering professional services face significant legal risks in today’s lawsuit-conscious environment. Consumers are increasingly holding companies accountable for the advice and expertise they provide, and even minor missteps in delivery can result in costly legal consequences. These risks are not limited to traditional professions like medicine or law; any business offering specialized knowledge or…

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Vendor Email Compromise – A New Cyber Threat

Businesses increasingly rely on their vendor relationships for operational continuity and long-term growth. Yet, this trusted business-vendor relationship can be exploited by cybercriminals. Vendor email compromise (VEC), also known as supply chain compromise, is a rapidly growing email threat that can deceive even the most security-conscious employees. In VEC attacks, threat actors impersonate trusted business…

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