Mid-State Insurance Blog

 

Should your business consider Cyber Insurance? Is your confidential information at risk?  Although it’s easy to have the “it couldn’t happen to me” attitude toward security breaches and data theft threats, in reality your company can be at a higher risk then you may realize. Retailors across the country are paying closer attention to how they store and insure their data. Are you?

Topics: Cyber Insurance, Jim's Blog, commercial insurance, business insurance

So if you recall, my insured owns a commercial property and a large national retailer wanted to rent some space from him. The potential tenant sent my insured their “standard contract” to sign. After he and his attorney read through the terms of the proposed contract, my insured wanted me to review the insurance section of the lease.

Topics: Jim's Blog, commercial insurance, business insurance

Owners of commercial properties are always faced with pressure to keep their buildings fully leased. After all, if a building isn't rented there isn't any revenue coming in to cover expenses. Costs like heat, lights, maintenance and so on all have to be paid regardless of occupancy. If economic times are difficult, the pressure to get and keep tenants is magnified.

 

Topics: Jim's Blog, liability insurance, business insurance

Fortunately, it wasn't the big one. But the 4.0 magnitude earthquake that struck the Portland, Maine area on October 16, 2012 and sent tremors through much of New England is a reminder that earthquakes are not just a west coast phenomenon. Just over a year ago a 5.8 magnitude quake caused damage in Washington, D.C. and Virginia - and was felt along the east coast from Maine to Georgia and as far west as Michigan.

Topics: Jim's Blog, business insurance, earthquake insurance, home insurance

Topics: Jim's Blog, environmental liability insurance, business insurance, pollution insurance, Employment Practices Liability Insurance

Topics: Jim's Blog, business insurance, Liability, risk management, Mid-State Insurance

Topics: Jim's Blog, disaster planning, business insurance, earthquake insurance

Topics: Jim's Blog, business insurance, home insurance, home office, Mid-State Insurance

Lately I've found myself using the term 'maze' in talking about the complexities of the health care system. That got me thinking about what a cornfield maze looks like from a couple of perspectives. Viewed from an airplane, it can be a thing of beauty. But for people trying to navigate its twists and turns, it can be an exercise in frustration. Without a guide, they can spend countless hours trying to find their way through it.

 

Topics: health insurance, health care, Paul's Blog, health insurance broker, business insurance

Topics: Jim's Blog, disaster planning, business interruption insurance, business insurance