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One of the biggest risks to your business isn’t what’s happening on the road, it’s who you trust to be behind the wheel. A commonly overlooked but highly effective way to reduce that risk is by regularly reviewing Motor Vehicle Records (MVRs) for every commercial driver you employ. MVRs offer a detailed look at a…

In construction, injuries happen, but that doesn’t mean you can’t control the cost. Rising workers’ compensation premiums often follow a pattern of frequent or severe injuries, which are usually preventable with the right systems in place. Fortunately, contractors can reduce costs by building a competency-based safety program​. 5 Ways to Lower Workers’ Compensation Costs in…

When deadlines are tight or budgets are stretched, it might be tempting to hire a cheaper subcontractor who doesn’t carry insurance. But that decision can cost you, big time. Hiring uninsured contractors creates significant exposure to liability, safety issues, and legal violations, all of which can jeopardize your project and your business​. Here Are the…

Construction defect claims are one of the fastest ways to harm a contractor’s reputation and bottom line. Whether the result of faulty materials, poor workmanship, or design flaws, these claims can be expensive to correct and defend. Worse yet, they often lead to finger-pointing among project stakeholders, leaving contractors exposed to litigation, even when they…

As tech companies grow, expanding into overseas markets becomes more common, but with that growth comes new risks. Whether you’re based in New Jersey, Delaware, Pennsylvania, or Maryland, venturing into international business means taking steps to protect your operations and people. Here’s what to keep in mind: Going global can be a smart move, just…

Hiring young talent brings fresh ideas and tech-savviness, but it can also bring IT security risks. Many younger employees, especially those new to the workforce, may unintentionally expose your business to cyber threats by overlooking or ignoring basic security policies. Here’s why and what you can do about it: Don’t let IT security fall through…

When you run a small business today, whether in retail, real estate, construction, or auto services, technology is probably part of your daily operations. From online sales platforms to customer management tools, tech helps you stay competitive. But what happens when that technology doesn’t perform as expected? That’s where Technology Errors & Omissions (E&O) insurance…

Distracted driving is one of the leading causes of workplace accidents, posing serious risks to employees, businesses, and the public. Whether employees operate company-owned vehicles, delivery trucks, or personal cars for work-related tasks, a single moment of inattention can lead to serious accidents, financial losses, and liability claims. Fortunately, advances in technology are helping employers…

Distracted driving is one of the leading causes of vehicle accidents, and businesses that rely on employees to operate vehicles—whether company-owned or personal—must take steps to mitigate the risks. According to the CDC, an average of nine people are killed daily in crashes involving distracted driving​. Creating a clear and enforceable distracted driving policy is…

Distracted driving is a serious safety concern that puts employees, businesses, and the public at risk. Employers who rely on drivers for company operations must take proactive steps to minimize distractions and enforce safe driving habits​. 10 Strategies to Reduce Distracted Driving 1. Implement a Distracted Driving Policy – A written policy should define prohibited…