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Summer brings longer days and more job opportunities, but it also increases the risk of exposure to sun, heat, and insect-related hazards. For construction crews, landscapers, and utility workers, staying safe outside during the summer months requires planning, awareness, and the right protective gear. Protecting Against Sun Exposure Ultraviolet (UV) rays can damage skin and…

Working outdoors in the summer can be more than just uncomfortable, it can be dangerous. Construction crews, landscapers, and service techs are especially vulnerable to heat-related illnesses, including heat exhaustion, heat stroke, and heat syncope (fainting). Without the right precautions, a normal workday can quickly become a medical emergency. Recognizing Heat Illness Symptoms Heat exhaustion…

Supply chains are more complex and more vulnerable than ever. From international shipping delays to cybersecurity threats, even a single disruption can have a ripple effect across your entire business, damaging customer trust and cutting into profitability. According to a recent survey, 74% of risk managers reported at least one supply chain disruption within the…

Falls continue to be the leading cause of fatalities in residential construction. According to the U.S. Bureau of Labor Statistics, an average of 40 workers die each year from falls on residential job sites, with rooftop work being especially hazardous. These incidents are not only tragic, they’re also preventable and come with serious financial implications,…

              When McHugh Insurance Group was founded, it was built on the idea of doing what’s right for not only small businesses, but also for the community. Over the last two and a half years, we’ve helped over one hundred small businesses and as we continue to grow, it’s important that we also give back…

Economic downturns often force construction companies to get creative, finding new revenue streams, cutting costs, and expanding into new services. During these turbulent times, new liabilities can quietly emerge and threaten your business if you’re not careful. Here’s how you can protect your construction company and position yourself for long-term success: Don’t Rely on Partner…

No matter the industry or scope of work, contractors face pollution risks daily. Whether a spill happens suddenly or develops gradually over time, one pollution incident can cause massive financial damage and ruin a company’s reputation​. Unfortunately, many contractors mistakenly believe that their Commercial General Liability (CGL) policies will protect them. The reality is most…

If your business relies on contractors, vendors, or outside service providers, you’re opening your company up to new layers of liability. And while your own insurance might be in great shape, it’s critical to make sure your partners are covered too. That’s where certificates of insurance (COIs) come in​. What Is a Certificate of Insurance?…

Leading a business comes with daily decisions, from hiring and terminations to financial oversight and policy changes. With each of those decisions comes potential legal and financial exposure. That’s why having management liability insurance in place is essential for protecting both your leadership team and your business. This coverage is designed to protect private companies,…

For businesses that rely on vehicles, whether it’s a few service vans or a full commercial fleet, auto accidents represent one of the most significant and expensive risks. Crashes can lead to injuries, legal claims, downtime, and higher insurance premiums. Fortunately, there are several proactive steps you can take to reduce these risks and keep…