Category: H&K Blog

Corona Virus and business insurance

Pandemics and Insurance

Friday, March 13, 2020

Containing the Coronavirus There are growing concerns about the COVID-19 coronavirus impacting businesses with travel bans, school closings and function cancellations. One question many companies are asking is if there is insurance coverage for business income or business interruption in the case of a local government-mandated shutdown to contain a community spread of the coronavirus? […]

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The Challenges of Condo Self-Management

Monday, February 17, 2020

The debate as to whether to hire a professional management company, given the financial burden, or to continue to be self-managed is a difficult one. When dealing with insurance, associations have four major issues they need to consider: communication, claims, renewal coordination, and budgeting. Communication key, the association needs a point of contact who has […]

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Earthquake Insurance

Monday, December 30, 2019

Last month’s earthquake near Gloucester and Marblehead has once again raised the issue of how vulnerable New England is to a repeat occurrence. Here are a couple of facts for you to consider: • Believe it or not, the Northeast US is earthquake country – while it does not have the high frequency of earthquakes […]

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Key Elements of a Data Security Policy

In recent years, small businesses have suffered around 31% of cyber attacks. It’s clear that an effective data security policy is essential to avoiding these attacks, and in order for a policy to be effective there are key elements that must be included in the framework. In a world where 52% of breaches are caused […]

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What is Law and Ordinance Coverage?

New England is known for some of the most picturesque scenes in America. Many buildings are packed with history, still retaining the unique architecture of centuries past. Many of these historic landmarks have been preserved in their original format due to historical significance. Unfortunately, there are many reasons that buildings must be torn down. Law […]

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Best Practices for Risk Management

Monday, March 18, 2019

In today’s workplace, it is more important than ever to be aware of the security risks that lurk at every corner of the digital space. Even more important, is having safeguards in place to protect against any threat, breach, or attack that may come your company’s way. Though no one method can be guaranteed foolproof […]

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Hitting an Uninsured or Underinsured Driver: What’s Next?

Friday, March 8, 2019

Getting into an accident is stressful enough on its own, but add an uninsured driver to the mix and things get even trickier. In most states, it is illegal to drive without auto insurance. Unfortunately, people choose to break this law every day. In the United States, about 1 in 8 drivers on the road […]

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6 Common Workers’ Comp Audit Mistakes to Avoid

Monday, February 11, 2019

Preparing for a workers’ compensation audit is something that is often dreaded. Going through all the steps can be quite tedious, and any oversights in the process can lead to unpleasant surprises in the form of costly charges. However, if you make a conscious effort to thoroughly understand the audit process and prepare for it in […]

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Technology Errors and Omission Insurance vs. Cyber and Privacy Insurance

Tuesday, December 4, 2018

Any step taken to protect your business against liabilities resulting from breached or failed technology is a step in the right direction. However, a business must be sure not to confuse policies and assume coverage exists where it does not. Two policies that are commonly mistaken for the other are technology errors and omissions insurance […]

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Cyber Security: Understanding Your Risk and Next Steps

Monday, October 15, 2018

Confronting the possibility of a cyber threat affecting your business is a daunting, yet absolutely necessary task. It can happen to any business, large or small, at any time. Businesses that will thrive in the aftermath of an attack will have understood their risk prior, and made appropriate steps to protect themselves. Risk managers and […]

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