The Commercial Line

What You Don’t Know CAN Hurt You

Property owners often contract with property management firms to provide various services such as seeking tenants, collecting rents, maintaining premises, providing financial services and optionally, providing primary insurance.

The Changing View of Office Space

With advancements in technology and uncertainty surrounding the economy and workforce, there are significant changes to the way businesses are looking to occupy and utilize office space.

Data Compromise versus Cyber Liability

Is Data Compromise coverage the same as Cyber Liability? I receive this question often. The answer is: sometimes yes and sometimes no. In order to understand why, we will need to take a closer look and examine both the similarities and the differences.

Don’t Get Soaked! Water Damage is a Building Owner’s Major Exposure

Property owners incur billions of dollars in losses each year in water damage claims. Water damage can affect many physical, operational and financial aspects of your property. Beyond the obvious damage to the building’s structure and electrical/HVAC systems, a water-related incident can impact your tenants’ operations as well.

Keeping Your Lawn Care Business Out of the Weeds

With spring in full bloom, the sounds of the season can be heard with regular frequency; lawn mowers, lawn equipment and a gentleman with a Scottish brogue saying “Feed your lawn, feed it.” Many of us maintain our own lawns or hire a landscaper or lawn service to handle the weekly tasks. But, have you ever considered becoming a small business owner and forming your own lawn service?

3-D Printing: Potential Insurance and Legal Implications

On Earth, an engineer transmits the schematics for a wrench needed by the astronauts, floating weightless 249 miles above. Instantly, the machine whirs to life. At the speed of light, the intangible computer program reaches low-earth orbit and emerges from the wondrous machine as fully-formed tool. This is not science fiction.

Combustible Dust Poses a Serious Threat

Combustible dust is comprised of fine particles that can stay suspended in air and under the right conditions will cause an explosion. Combustible dusts can be found in many manufacturing situations and can occur from a variety of different particles, including aluminum, wood, pharmaceuticals and grain.

Standby generator installation and maintenance

Having a generator available to provide standby power can be a great convenience during extended power outages. Improper installation or maintenance, however, can create hazards. The following are some tips that may help you avoid losses caused by your standby generator.

Ammonia Refrigeration Hazards & Controls

Because of the recent push to “go green” and conserve energy, many companies whom require refrigerated environments (e.g. food processors, cold storage facilities, etc.) are changing out their old Freon-based equipment for “mechanical refrigeration” systems that utilize ammonia (NH3). Ammonia systems have a significant cost advantage over Freon, however, the hazards are also significantly higher.

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