Test your knowledge: Frozen pipes

By | 55 degrees, agent, air, below, burst, business, chilly, circulate, costly, damage, drip, Flood, freeze, freezing, frozen, home, ice, icy, independent, Insurance, leak, leaks, pipe, pipes, prevent, protect, temperature, warm, water, winter, Winter Prep
frozen-water-pipe-valve

Do you know what to do to prevent pipes from freezing or to manage already frozen pipes? Test your knowledge with our five-question quiz.

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Tips to protect taxpayers from ID theft

By | advice, agent, artists, business, charities, charity, collect, con, Consumer Tips, control, costly, data, dirty, donations, dozen, expensive, fake, fraud, ID, identity, independent, individual, Insurance, internal, IRS, law, legal, loss, phish, phishing, phone, prepare, preparer, prevent, protect, return, returns, Revenue, scam, scams, service, solicit, tax, taxpayer, taxpayers, theft
taxpayers-identity-protection

Tax return identity theft has reached such epidemic proportions that it tops the list of the IRS’s Dirty Dozen Tax Scams. Take note of tips the IRS wants you to know about identity theft so you can avoid becoming the victim.

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Know the basics of employment practices liability

By | agent, allegations, business, club, cover, coverage, directors, discrimination, disgruntled, duties, EEOC, employee, employment, fitness, Fitness & Recreation, gym, harassment, independent, Insurance, lawsuit, liability, managers, medical, practices, professional, protect, risk, sexual, sports, sue, suit, supervisors, termination, worker, wrongful
signs-insurance-risk-CGL

The August edition of ClubSolutions Magazine, a publication for health club operators, features an article by Jayson Scott, national program director for Cincinnati’s fitness, sports and recreation program. He discusses how even the most professional workplace has a liability risk from a disgruntled former employee.

The post Know the basics of employment practices liability appeared first on The Cincinnati Insurance Companies blog.

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Know the basics of employment practices liability

By | agent, allegations, business, club, cover, coverage, directors, discrimination, disgruntled, duties, EEOC, employee, employment, fitness, Fitness & Recreation, gym, harassment, independent, Insurance, lawsuit, liability, managers, medical, practices, professional, protect, risk, sexual, sports, sue, suit, supervisors, termination, worker, wrongful
signs-insurance-risk-CGL

The August edition of ClubSolutions Magazine, a publication for health club operators, features an article by Jayson Scott, national program director for Cincinnati’s fitness, sports and recreation program. He discusses how even the most professional workplace has a liability risk from a disgruntled former employee.

The post Know the basics of employment practices liability appeared first on The Cincinnati Insurance Companies blog.

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4 reasons small businesses decline EPLI coverage

By | agent, business, Business Insurance, claim, claims, cost, cover, coverage, defense, dental, distributor, employment, EPLI, funds, independent, industries, Insurance, large, legal, liability, manage, managing, manufacturer, medical, practices, process, protect, publisher, restaurant, retail, risk, small
4-reasons-epli

Many owners of smaller businesses make assumptions about Employment Practices Liability Insurance – and some of those assumptions are not true. EPLI coverage provides vital protection for a small business. EPLI provides a limit of insurance, separate from the standard commercial policy, to protect your business operations against many actual or alleged wrongful acts. Those could include personnel and staffing matters, hiring and firing or allegations of discrimination in the workplace. Because circumstances can vary widely, it’s important to assess your situation, consult with your attorney and speak to an[…..]

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When things change, review your life insurance beneficiary

By | adoption, agent, annulment, baby, beneficiaries, beneficiary, benefit, birth, business, claim, death, dissolution, divorce, estate, financial, independent, Insurance, life, Life Insurance, marriage, plan, policy, protect, security, succession, trust, trustee, will
life-insurance-change-beneficiary

You name a beneficiary when you purchase a life insurance policy. This designation lets the insurance company know who should receive the proceeds of the policy. Keeping your beneficiary designation current is key to ensuring your life insurance benefits are paid as you desire. By not updating your beneficiary designation, your benefits may go to your estate instead of to those who need it the most.

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Lightning, power surge? EBC can protect your property

By | agent, air conditioning, breakdown, building, business, Business Insurance, computer, cover, coverage, device, devices, electrical, electricity, equipment, independent, Insurance, lightning, manufacturing, power, property, protect, refrigeration, surge
lightning-over-city

Most companies large and small depend on electrically powered equipment for some part of their business: air conditioning and refrigeration, computer systems and manufacturing equipment, for example. Lightning and the resulting power surge are a common threat. But you can protect your business by purchasing equipment breakdown coverage.

The post Lightning, power surge? EBC can protect your property appeared first on The Cincinnati Insurance Companies blog.

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Lightning, power surge? EBC can protect your property

By | agent, air conditioning, breakdown, building, business, Business Insurance, computer, cover, coverage, device, devices, electrical, electricity, equipment, independent, Insurance, lightning, manufacturing, power, property, protect, refrigeration, surge
lightning-over-city

Most companies large and small depend on electrically powered equipment for some part of their business: air conditioning and refrigeration, computer systems and manufacturing equipment, for example. Lightning and the resulting power surge are a common threat. But you can protect your business by purchasing equipment breakdown coverage.

The post Lightning, power surge? EBC can protect your property appeared first on The Cincinnati Insurance Companies blog.

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Hail guard: Protecting your business equipment

By | agent, air, business, coil, condenser, conditioning, control, cooling, customers, damage, equipment, guard, hail, hailstorm, heating, HVAC, independent, Insurance, loss, Loss Control, money, pellet, prevent, protect, roof, rooftop, time, unit, valuable, vent, ventilation
hail-guards-can-protect-equipment

Most areas of the country experience hailstorms that can cause significant damage to rooftop equipment, severely disrupting your business and costing you time, money or even customers. You can take a few steps to help keep your business running smoothly and avoid down time by protecting the equipment that keeps your customers and employees comfortable.

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