Workplace-sponsored holiday parties present a host of liabilities for organizations each year. Factors like choice of venue and employees’ religious affiliations can create friction even before alcohol is thrown into the mix. Is your organization planning festive parties? Make sure you are protected for any...
In a business climate driven by results, shipping terms can be an afterthought of a sale. However, this can affect your bottom line, as assuming additional risk increases your potential for loss. As a business it is important to understand when risk transfers during shipping. Shipping...
Insurance carriers realize that offering additional lines of coverage to an existing customer is less expensive than trying to attract new customers. They also know that the more lines a given customer has, the longer they’re likely to stay with them. While bundling policies is...
Have you discussed defensive driving with your family or employees? The formula for defensive driving is to see the hazard, understand the defense, and act in time. Why is Defensive Driving Important? Understanding and effectively applying this formula prevents accidents in spite of the actions of other...
Event organizers must shoulder a significant burden—they have prime responsibility for ensuring overall health and safety at their events. That means they are culpable for any event-related health and safety failings. Corporate event planning isn't always easy. This weighty responsibility can wear down those not prepared...
If someone were to ask you what your coverage is under your auto insurance policy, would you be able to tell them? Like most of us, you would probably have a hard time confidently answering that question. Interpreting the various types of coverage offered under...
A safe, efficient and orderly warehouse is crucial to business success. Warehouses are like the heart of a business—they are the central transfer point, storing and sending raw materials or manufactured goods onward to distribution, thereby keeping the pulse of the business beating. Many business...
What is your commercial building coverage? Most commercial properties use a form of insurance known as “specific coverage,” in which a specific property has protection for a certain risk, such as fires, floods, thefts and more. However, specific coverage is also somewhat limitable; oftentimes one...
Rising premiums may leave you wondering what you can you do to save money on auto insurance. We discuss a few reasons why prices are rising in this blog. While you can’t control all of the factors influencing your premiums, there are a number of...
As a religious organization, there are services you provide to members that can open you up to significant risk. These risks are related to abuse allegations, ministerial counseling, premise liabilities, vehicle accidents, and privacy and employment issues. Among other risks, these are key liability concerns...
As a religious organization, inviting members or visitors to your property presents a risk. From Sunday services to school, camps, weddings, and more, there are a lot of different and wonderful reasons you open your doors to the community. Even so, when people walk the...
Churches and other religious organizations can protect expensive instruments by insuring their musical instruments! Music plays an integral role in religious organizations. It's purpose is to evoke feelings and create a sense of unity among listeners. Organs are popular in religious organizations, but other common instruments...
Strong Phishing Scam Prevention Phishing is a type of cyber-fraud that utilizes deceptive emails or other electronic communication to manipulate recipients into sharing sensitive information, clicking on malicious links or opening harmful attachments. While emails are the most common delivery method of phishing attempts, cybercriminals may...
Distracted Driving is dangerous and can be costly for businesses. Did you know that April is Distracted Driving Awareness Month? The National Safety Council recognizes April as Distracted Driving Awareness Month to raise awareness about the dangers of distracted driving and encourage motorists like you to...
The recent changes to the U.S. health care system have caused shifts in liability trends and the general litigation environment in the medical world. Now that the Affordable Care Act (ACA) is in effect, risk managers in medical facilities can better understand the results of...
How employees across the country work and live shifted greatly in recent years. While employers have adapted to this, it's important they also review cybersecurity for hybrid work. As a business owner, it's important to update your insurance policies as your business evolves. You may already...
Curbside pickup has quickly emerged as a popular and convenient food service option for restaurant owners and customers alike. These operations allow restaurant owners to continue serving customers who prefer off-site dining while giving customers the ability to receive their food orders without even having...
There's a 50% chance that you will need long-term care one day. So...
"I'm with a company that handles my insurance and believes in Relationships" - Mayor Stan Hogeland, City of Gardendale. We live here, work here, and are raising our children here together. Just like Byars|Wright, your municipality is a family. Because we understand that those relationships need...
Winter weather can create various driving challenges. Cold temperatures make it difficult for engines to work properly, while snow limits tire traction and salt causes rust on exterior paint. That’s why it is important to protect your car during the winter months by “winterizing” your...
