Category: H&K Blog
COVID 19 Consumer Insurance Tips
These days you can’t go online without seeing dozens of opinions, speculation and, at times, misinformation about how COVID 19 will affect our lives. Every industry has seen some kind of change; some have seen an uptick in sales, while many more have seen varying levels of income loss. Insurance is no different, though admittedly, […]
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Pandemics and Insurance
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
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
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
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?
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
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
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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