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By Dana Albert, 11/20/2019
According to a study in 2017 by the Insurance Research Council (IRC), 13% of motorists, or 1 in every 8 drivers, went without insurance in 2015. Since the record low of 12.3% in 2010, the percentage of uninsured motorists has been rising across the country. The state of North Carolina is on the lower end of the...
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By Kim Robson, 11/19/2019
A recent liability actuarial report forecasts the liability loss rate for long-term care facilities will continue to increase by 5% with claim frequency driving the increase at an expected 2% growth rate. The conclusion this year is the annual cost to defend, settle or litigate claims will decrease –...
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By Greg Hiser, 11/18/2019
Nothing can compare with the excitement created by the sound of several WWII vintage aircraft approaching for a fly by. Then, to be able to look up and see the formation as it would have appeared 75 years ago is certainly inspiring and cause for reflection and thanks. It is also cause, if you are an insurance...
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By Robert Haley, 11/14/2019
Cybersecurity has become an important topic in the trucking industry, as a new age of dangerous hacking is on the rise. Imagine driving your truck down U.S. Route 1 at 70 miles per hour, listening to some Lynyrd Skynyrd with the wind blowing in your hair. Then the radio switches to another station and Despacito...
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By Cathy Knopf, 10/31/2019
Since 2016, health departments are reporting over 6,000 cases of Legionnaires disease per year. This disease is a serious type of pneumonia, with one in ten persons dying with this infection. Inhalation of small droplets of water containing the Legionella bacteria causes Legionnaires Disease. Legionella bacteria...
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By Fonda Hereford, 10/30/2019
​Personal cyberattacks are an extensive subject that insurance specialists are frequently discussing with clients. Our insurance company partners are developing add-ons to their services to address the exposure at what seem like reasonable premiums for ample limits at low deductibles. Articulating the risk and...
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By Kerin Dodd, 10/29/2019
Executive officers, partners and sole proprietors (from here on referred to collectively as “executives”) may elect to exclude themselves from benefits under workers compensation. Accomplishing this varies by state and can be as simple as stating such on the application for coverage, or it can be as...
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By Andy Engardio, 10/16/2019
After years in development, the FMCSA Drug and Alcohol Clearinghouse is up and running. The Clearinghouse will track the results of drug and alcohol tests for all commercial drivers. Currently, Motor Carriers are required to perform Former Employer Background Inquiries (including drug and alcohol history)...
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By Brian Lindahl, 10/09/2019
It’s Fire Prevention Week, which means it is time to educate and learn the small, but crucial, actions that can keep you and the others around you safe. The theme for this year is, “Not Every Hero Wears a Cape. Plan and Practice Your Escape!” Many people are unaware of the lack of time they have...
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By Kristy Dickens, 09/30/2019
Arbitration is a process that has been used effectively across many different industries since the New York Arbitration Act of 1920 and the Federal Arbitration Act of 1925 were passed. This is not surprising when you consider the benefits of resolving disputes via arbitration versus litigation. Benefits to...
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