From a legal standpoint, you are not required to have liability insurance in order to purchase, register, or maintain ownership of your boat in most states. However, certain states will require you to have liability coverage on certain types of boats.

Traditional liability insurance does not offer protection against discrimination and harassment suits. Separate coverage known as Employment Practices Liability Insurance (EPLI) will provide the protection you need for both the cost to defend these claims as well as to pay potential judgments or settlements.

The past few years have seen a spike in the “value” of liability claims, meaning the amounts of jury awards and settlements. Wrongful death claims that used to settle for between $600,000 and $1,000,000 dollars are now being resolved at twice that amount or more. Recently a jury awarded the sum of 41.7

Most theft in retail comes from internal sources. Almost half of all reported fraud is internal. The second most frequent form of reported fraud is shoplifting or external theft, and administrative error accounts for the smallest amount of loss to retail organizations.

The milder days of spring are a perfect time to do a thorough spring cleaning and perform home maintenance. After a long winter, it is a good idea to spend time on preventive measures to help maintain your home and property throughout the year. Tasks such as cleaning out your gutters, checking for dead trees and branches and cleaning and inspecting home mechanical systems, such as heating and air conditioning equipment, can make spring a season of safety.