Keep Your Condo Complex Safe

Condominiums can be great places to live. The best ones are cozy, fully appliances, and have excellent amenities overseen by a condo association. Safety is a natural concern, especially for families with children. There are steps an association can take to promote a safe environment for all.

Ways to Promote Safety

Condo association safety can be provided and monitored by taking these steps:

  • Hold Community Events – Holding events for residents of the complex allows neighbors to interact in a more involved way than merely saying hi on the way to the mailbox. People can talk and discuss their concerns. Familiarity develops and people look out for each other and their property.
  • Form a Safety Committee – Another great way to get neighbors to work together is to form a safety committee. Members can meet weekly and take inspection walks through the complex, looking for hazards such as cracks in sidewalks and lighting that has burned out.
  • Budget Money for Safety Concerns – When managing condo funds, set aside money for repairs to damaged walkways and other areas that could be hazardous. Plan ahead so you will be able to take immediate action when necessary.

A well-run condo association can help provide a comfortable welcoming community for its residents. Safety is of primary concern and should always be a priority.

When your business is helping seniors get wherever they need to go, your insurance needs to protect your clientele, employees, and company as thoroughly as possible. Not only is the service you provide essential, it involves contact with a vulnerable population whose needs bring unique risks to your business. It also means you’ve got a unique business model that is unlike most others in the personal transportation industry, with the possible exception of service providers for disabled clients of all ages. That’s why you should be looking into senior driving business insurance programs from transportation business insurance specialists.

What Do These Programs Cover?

These programs cover your commercial vehicle insurance needs as an owner-operator. They can be adapted to fleet companies, but typically the insurance providers who craft senior driving business insurance coverage do have separate fleet coverage programs you may wish to inquire about instead. For the owner operator of a single-vehicle business, one policy handles:

  • PIP & medical payments at statutory minimums or higher as desired
  • Physical damage and bodily injury coverage up to $1.5 million
  • Uninsured/underinsured motorist coverage

With flexible deductibles that meet your needs and an approach that is informed by wide experience serving transportation businesses, dedicated senior driving business insurance programs from longtime transportation insurance providers are designed to streamline your risk management. Get a quote today to learn more.

It is no small surprise that the business world has changed dramatically over the years. While there had always been an uncertainty involved in running a business, things got even more complicated in the aftermath of the COVID-19 pandemic. If you want to stay on top and protect yourself to the best of your ability, you absolutely want to take time to consider your insurance options. The right coverage is key to making sure that you can handle all of the trials and tribulations ahead. 

What Is EPLI?

One area you absolutely need to think over is EPLI insurance. Employment Practices Liability Insurance is a type of coverage that protects you in the event of wrongful acts taking place while you are in the process of hiring or offboarding employees. If there are claims of negligence or discrimination, for example, you will be able to stay protected. What’s more, this covers claims of sexual harassment, invasion of privacy, wage violations, and more. Take time to learn more about EPLI to see what it can bring to you. Other insurance options to consider include: 

  • Errors and omissions coverage
  • Directors and officers liability
  • Workers’ compensation

The Right Fit

By knowing what to look for in an insurance plan, you can take proper care of your business. Give yourself a chance to review your options and find a plan that perfectly fits all of your needs.

As COVID-19 has spread across the United States, more and more employers have wondered what they should expect next. Without a doubt, it can be difficult to keep up with a global health situation that continues changing.

According to the U.S. Department of Labor’s Occupational Safety and Health Administration, there are some things that employers should know when it comes to COVID vaccination testing.

1. Certain Industries Face State-By-State Requirements

While OSHA oversees several aspects of COVID testing requirements that impact the majority of industries in the U.S. labor force, there are certain industries that face different requirements on a state-by-state basis.

2. Employers Should Stay Current With OSHA Updates

To stay up-to-date with the most recent requirements, employers should stay current with the ongoing OSHA updates. The best place to find these notifications is through the agency’s website.

3. Employers Should Also Stay Current With Local Updates

In addition to OSHA requirements, your local health department might also have its own protocols in place that go a step further than those under OSHA. As such, local updates are also important. 
At the end of the day, staying informed of local, state and federal regulations and requirements will help you keep your employees as safe as possible in your business

Owning a boat is a big responsibility with a lot of work and expense. But spending hot summer days out on the water, fishing, swimming or just hanging is one of life’s great joys. You can keep your boat stored safely at home and use a trailer to take it to and from the water. However, there are advantages to keeping it in a marina.

Benefits of a Marina

A marina is, of course, a place where you rent dock space to keep your boat in the water all the time. It’s like the nautical version of a parking space for an RV. It is an added expense, but there are marina benefits that make it worthwhile.

  • Living on your boat – People do reside on their boats and a marina is a great place to do this. The cost of the marina fees is easily offset by the money saved on household expenses. If you want to go somewhere, it’s as simple as weighing anchor.
  • Security – Marinas are very safe places to keep a boat. Many are gated and only allow access to members. They also commonly have security cameras and personnel.
  • Marina Insurance – When your boat is in a marina, you can get insurance that covers everything. Your boat, personal property on your boat, guests, anything that can suffer damages.

For boat owners, life can be a blast. But a boat requires care. Keeping your boat in a marina just might be your best option. 

Employers are beginning to see the advantage of offering voluntary benefits to their employees. Since these customized options can be designed to meet the needs of individual employees and can be offered with little or no cost to employers, they are beneficial to all parties.

Advantages of Offering Voluntary Benefits

Voluntary employee benefits offer flexible choices for organizations of all sizes. They can: 

  • Entice Top Candidates – There’s a great deal of competition to attract and keep top personnel. Offering voluntary benefits makes the package more appealing to potential hires and helps retain your current workers.
  • Keeps Costs Down – Since you can offer these benefits at group rates, your employees pay much less than if they seek these same options on their own.
  • Allow Customized Options – Every employee has a different situation at home, so offering a flexible voluntary benefits package helps them choose only the benefits they need.

Flexible Option Choices

Voluntary benefits are a great way to fill in the gaps of the typical employee benefits package. Examples include:

  • Dental or vision insurance
  • Short or long-term disability protection
  • Term life insurance
  • Critical illness or cancer insurance
  • Accident insurance

To stay competitive in this difficult job market, offer potential hires and current employees a wide range of voluntary employee benefits options.

Errors and omissions coverage for real estate agents dealing in either commercial or residential properties can be hard to shop for if you’re new to the market. Like other financial sector liability coverage, it needs to be carefully calibrated to both your professional role and the regulations of the markets you operate within. As such, finding California real estate E&O coverage often means working with a different set of experts then you would for, say, coverage in Montana.

Seek Local Expertise, Industry Experience

The combination of local knowledge and insight into the industry is essential to your eventual quote, because it allows an insurance agent or carrier representative to calculate the right balance of coverage limits and additional provisions, leaving you with cost-efficient risk management designed to protect you in the event of claims rising from errors or omissions made by your office during a deal. Robust industry-specific coverage of California real estate E&O liability protects you from both honest errors and bad faith actions taken under the authority of your company by individual employees.

Where To Find California E&O Coverage

Coverage for real estate E&O in California isn’t hard to find, but with a large and competitive market, it can be hard to sort out your best options. Look for the professionals who really focus on real estate. If they make understanding the risks involved with your business into a personal passion, chances are they can also quote your optimum policy with ease after a brief interview.

A recent court case, By Referral Only, Inc. v. Travelers Prop. Cas. Co. of Am. 2019 is a case study on why every business that offers benefits should carry sufficient fiduciary liability insurance. Here are the facts.


By Referral Only, a small company in California with a double-handful of employees employed Teresa McGee until her terminal breast cancer diagnosis meant she could no longer work. Referral’s director tried to do the right thing by McGee, continuing to pay her life insurance premiums so that her beneficiary would be able to collect after her death.

The director didn’t take into account that the life insurance was only available to active employees. When her beneficiary tried to collect on her life insurance policy the claim was denied.


The beneficiary was forced to turn to Referral for payment on her policy. The beneficiary claimed that Referral didn’t notify McGee about her rights to convert her policy. Referral felt that their employee benefits liability insurance through Travelers should have paid on this claim and turned to them for relief. Travelers denied the claim because it was not covered under the fiduciary responsibility clause of ERISA.


The beneficiary was entitled to the benefits promised by Referral but the court found Referral was not covered because of the ERISA carve out. Referral had to pay the entire claim, over $140,000, out of its own pocket. 

You can see that even with the best intentions, mistakes can be costly. Fiduciary liability insurance would have protected Referral.

As a business owner, you may feel like there’s a new policy you hear about every day. Sometimes it may feel overwhelming but these policies protect you from situations that you may not have considered but that put your business financials at real risk. Fiduciary liability insurance is one type of policy to consider. Here are two benefits to this policy.

1. Protect From Benefit Mismanagement

The Employee Retirement Income Security Act of 1974 (ERISA) holds businesses and individuals working within the business responsible for managing employee benefits. Mismanaging those benefits can result in claims that won’t be covered by employee benefits liability insurance. Mismanagement implies purposeful action, but even the most well-meaning mistake that results in denial of a claim could potentially trigger a lawsuit. Benefit mismanagement includes:

  • Failing to monitor third-party service providers 
  • Offering imprudent retirement fund selections
  • Wrongfully denying claims 
  • Improperly changing benefits
  • Providing improper advice

2. Pay Legal Fees From Claims

Besides protecting your assets in the case of a mismanagement claim, fiduciary liability coverage allows you to have the best legal representation possible to fight the claims in the first place. The cost of defending your business and your reputation can be prohibitive and cause as much havoc as the claim itself. 

Fiduciary liability coverage protects you from the moment a claim of mismanagement is made through to claim resolution.

Many business owners are under the impression that liability for claims arising out of employment falls within the scope of general policies. They may also conclude that employment practices insurance is not particularly relevant to their operations because they have good relationships with their employees or they have fairly few staff members. In reality, every business owner needs to recognize the importance of this key form of coverage. A claim for an employment law violation can be very costly and exceed a business’ available resources.


Claims of discrimination in the workplace can be challenging for employers. Many states have independent commissions to investigate claims, and some assess penalties beyond the damages that a business may owe to an employee. Insurance can equip a company with the means to defend itself against claims and pay any penalties or damages if necessary.

Wage and Hour Law Violations

There are numerous federal and state obligations that companies must adhere to in how they categorize employees, calculate hours, and set wages. Insurance can help companies that are non-compliant with this intricate and continually evolving area of the law.

Ultimately, having coverage to address claims by employees is essential. No matter how carefully a business treats employment matters, having coverage is an indispensable way to effectively mitigate risk and minimize losses. 

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