Category: H&K Blog
Commercial Disaster Preparedness and Management
What do you do in a given crisis? More importantly, what do you do if the same disaster instead happens to your business? To understand and ready your business, you have to understand two key concepts: disaster preparedness and emergency management.
read more »Cyber Breach: Your Client’s Data
In your business, chances are you gain people’s personal data. Depending on the business this could be credit and debit card information during transactions with customers, ID or driver’s license numbers from drivers, account numbers for your supplies and business partners, and the Social Security numbers of your employees (along with their account information for […]
read more »What is Insurable Interest?
Insurable interest is easy to understand on the surface level. However, in certain issues some things are not clearly defined, something that the courts are trying to establish more definitively. To answer the question “What is insurable interest?” you need to ask another questions “How will this scenario financially hurt me?” Insurable interest is the […]
read more »Do You Know Your Country Club Liabilities?
Country clubs are a great place to relax, that’s why you own one. Your customers expect a location where they can play a little squash, a few rounds of golf, or a tennis match, then go and grab some great food and a drink. What they don’t realize is how many liability your full-service country […]
read more »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 has been preserved in their original format due to historical significance. Unfortunately, there are many reasons that buildings must be torn down. Law […]
read more »What is D&O Insurance?
Directors and Officers Liability Insurance, often referred to as D&O Insurance, is liability insurance payable to directors and officers of the company, or the company itself, as reimbursement—indemnification—for loses or legal defense costs in the event wrongful acts are brought against a director or officer in their capacity as their respective office. Depending on the […]
read more »What Is A No-Fault State?
A common misconception about no-fault insurance is that no party will be found at fault. In every claim situation where two drivers are involved, the insurance companies will always determine who is at fault. This article will help you understand how claims are handled after an accident in a no-fault state.
read more »Do You Need Professional Indemnity Insurance?
In an unpredictable world, advising or consulting can be a tough business. Clients are depending on you to give good advice. A lapse in judgment, an error, or an unforeseen variable can quickly ruin your relationship with a client. In such a competitive and volatile environment, when a client brings a claim against your firm, […]
read more »Getting (Back To) Business Interruption Insurance
A business may unexpectedly shut down for many reasons, all of which can spell disaster for the owner. A force outside the business’ control may interrupt the daily operations, forcing the business to close its doors for some time. Whether it’s a fire, hail or wind storm, or some other disaster, you never know when […]
read more »New Massachusetts Headlight Law
Two days ago a new law went into effect for the State of Massachusetts which will affect anyone who gets behind the wheel of a car. New requirements on when you need to turn on your headlights are now in effect, and failure to comply can result in a ticket!
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