Construction team, architect and insurance professionals consulting on a building site.

Scheduled Versus Blanket Limits for Commercial Property Insurance

Commercial property insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an organization’s commercial building or its contents are damaged or destroyed by covered perils (e.g., fire, theft, vandalism, wind and lightning). Specifically, this coverage can help reimburse property repair or replacement expenses when these…

This document is not intended to be an exhaustive source of information nor should any discussion or opinions be construed as legal advice. Readers should consult legal counsel or a licensed insurance professional for appropriate advice.

Construction Industry Trends to Watch

The construction industry has recently encountered volatility due to several trends. As such trends impact the success and public perception of a business, monitoring the latest sector developments and appropriately adjusting operations and risk management practices to respond to industry shifts is crucial. Changes in the construction industry can affect several aspects of an operation,…

Male hand holding smartphone. Businessman using laptop computer and digital tablet while working in the cafe.

Differences Between Traditional and Cyber Business Interruption Policies

When organizations face large-scale disasters or other unexpected losses, ensuring business continuity is often a top priority. Yet, various losses may make it challenging for organizations to avoid operational disruptions or temporary shutdowns. In these instances, even brief closures can carry costly consequences. Fortunately, that’s where business interruption (BI) insurance can help. BI insurance can…

Restaurant kitchen staff

Cheating on Employee Drug Tests Hits All-Time High

Employees tried to cheat on workplace drug tests six times more often in 2023 than they did in 2022, but even the cheating couldn’t lower detected use from the highest level of the last 20 years, according to the testing service Quest Diagnostics. The percentage of tested workers found to be using drugs remained at…

Construction professional working ourdoors in the summer heat

Heat Illness Safety Tips

2023 was the hottest summer on record around the globe, and the National Oceanic and Atmospheric Administration’s (NOAA) latest projections give 2024 a 61% chance of beating 2023 as the warmest year on record. Already this summer, the Mid-Atlantic region has experienced several days where the heat index reached or exceeded 110 degrees — dangerously…

Construction worker in hard hat carrying equipment over his shoulder.

Construction Industry Trends to Watch in 2024

The construction industry has encountered volatility and uncertainty in recent years, brought on in part by fluctuating consumer behaviors, material procurement difficulties, project delays, high interest rates and inflation. Such trends have been vital to monitor, as doing so has helped industry employers create strategies to adjust and remain successful despite these uncertain circumstances. This…

A construction worker standing on elevated scaffold while building.

National Safety Stand-down to Prevent Falls in Construction Starts May 6

OSHA is partnering with key groups to assist with hosting a safety stand-down to prevent falls in construction. This stand-down is scheduled for May 6-10, 2024. The National Safety Stand-down raises fall hazard awareness across the country in an effort to stop fall fatalities and injuries. Safety Stand-down Overview A safety stand-down is a voluntary event for…

What If There’s An Accident Or Injury At Work?

The Best Employers Consider The Whole Person In A Workers’ Compensation Claim Incident People are the backbone of any business. And when injuries and accidents occur in the workplace, it’s a real loss on many levels. What if you must file a workers’ compensation claim? And more importantly, how can you prevent them in the…