Happy multi ethnic friends cheering and drinking coloured cocktails at a beachfront tiki bar, celebrating summer.

The Value of Business Interruption Insurance

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. That’s where business interruption (BI) insurance can help. Also known as business…

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…

A businesswoman confidently presents data, engaging with diverse colleagues during a team meeting in a well-lit office space.

The Value of Employment Practices Liability Insurance

In today’s increasingly litigious society, stakeholders are holding organizations more accountable for their poor decisions and wrongdoings, whether actual or alleged. When these incidents involve certain employment actions or contribute to a hostile work environment, they may result in costly lawsuits, ultimately leaving impacted organizations with significant legal expenses. Fortunately, that’s where employment practices liability…

Two yellow 'wet floor' safety signs beside a bucket collecting water leaking from the ceiling. The signs are in the shape of banana peels to attract attention and warn against slipping.

Restaurant Safety Hazards

Restaurant floors endure a variety of food spills and cleaning products. As a result, they can pose slip, trip and fall hazards for both employees and patrons. While these hazards are significant, many can be prevented by adhering to these safety tips. In the Kitchen Follow these tips to prevent slips, trips and falls in…

A dramatically-lit bar display of dozens of different liquor bottles, many partially empty. Glass bottles of rum and whiskey shine, reflecting the neon bar lights.

Liquor Liability Insurance: Market Update

Liquor liability insurance is designed to protect any business that sells or serves alcoholic beverages (e.g., bars, taverns, restaurants, clubs and liquor stores). Such coverage can provide financial assistance in the event that a business is held responsible for bodily injuries or property damage stemming from an intoxicated customer’s wrongdoings, such as fights, car accidents…

Marijuana in the Workplace

Marijuana, derived from the Cannabis sativa plant, is classified as a Schedule I substance under the Controlled Substances Act, indicating it has a high potential for dependency and no accepted medical use. Although isolated components of the raw marijuana plant have recognized medicinal uses, smoking marijuana has not passed the Food and Drug Administration’s rigorous…

Preventing Third-party Slip, Trip and Fall Claims

BREAKING NEWS: Couple Sues Eataly Boston After Woman Slips on Stray Piece of Prosciutto, Fractures Ankle and Claims ‘Great Pain and Suffering’ Court documents state that medical expenses exceeded $7,500. The couple is seeking damages amounting to $50,000. The lawsuit claims that Eataly was negligent for “failing to ensure that the floor was safe,” not…