When it comes to your home, making sure you’re adequately insured is of the utmost importance. Despite this, many homeowners are unaware of the “80% rule” for home insurance and, as a result, find themselves underinsured when trying to replace their personal property after a loss. Understanding the 80% rule—and following it—can help you protect yourself and your home.

If employees use personal vehicles for business-related activities and get into an accident, your organization could be held liable. That’s why it’s critical to have non-owned auto liability insurance, which can provide a number of key benefits. Read more here:

With the increasing popularity of smartphones and tablets, access to online shopping websites is only a fingertip away for most consumers. As a result, the online retail industry is an increasingly attractive target for major cyber attacks. The results—including tarnished reputations, lost sales and costly lawsuits—can be devastating. This Risk Insights discusses security threats to an online retailer’s network and how to mitigate those risks.

The stairs are actually one of the most dangerous places in the home because of falling hazards. In fact, falls account for almost one-third of all accidental deaths in the home each year. Of these falling deaths, incidents involving stairs are the second most common. To protect against injuries from using the stairs, consider these safety recommendations.

Employment-related claims are on the rise, and they can be extremely costly to your business. Find out how employment practices liability insurance can help protect your small business.

The moment an injury occurs, it initiates sequence of events that can last for weeks or even months. But no matter how prolonged the recovery period, the first 24 hours after an injury are the most crucial. To respond effectively to an incident, the majority of the action items should occur within 24 hours. Find out more here: