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Pet Exclusions

Pet Exclusions

Why does my insurance adviser ask me what kind of dog I own? Did you know that Americans file tens of thousands of home insurance liability claims each year due to dog bites and other dog-related injuries? As a result, insurers spend approximately $570 million dollars...

NCCI: Audit Noncompliance Charge

The National Council on Compensation Insurance (NCCI) approved a workers compensation policy endorsement that went into effect on January 1, 2017.  An insurance company can charge up to 2x the originally estimated premium when a policy holder is in noncompliance with...

OSHA: Post-Accident Drug Testing

OSHA has a new rule affecting Post-Accident Drug Testing that has been in effect since December 1, 2016 however, there has still been a lot of confusion around what this means. OSHA has imposed new restrictions on long-established PADT practices—these have been...