Coastal Construction

Salt and water corrode metal. All coastal communities are prone to rusting fasteners and connections. The Federal Emergency Management Agency (FEMA) through the National Flood Insurance Program (NFIP) has regulations on fasteners to help prolong the life and keep structural integrity. If your business is constructing or substantially improving a property in a special hazard…

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Calculating Coinsurance

Some business insurance policies include a coinsurance clause. If your policy includes a coinsurance clause, the amount of insurance you have purchased (the limit of insurance) must equal or exceed a specified percentage of the value of the insured property. For example, if 80% coinsurance applies to your building, the limit of insurance must be…

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Active Shooter Training

Active shooter incidents can happen anywhere. Would you know how to respond in a crisis? Chesapeake Employers Insurance is offering free seminars where employers and citizens can learn how to prepare for and respond to an active shooter incident. The training includes: Common sense disaster response planning Best practices to reduce casualties and increase chance…

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