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There's a LOT to know about insurance. So, whether you've got a specific question or just want the 411 on what we do, click around on the articles below.

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Cyber, Risk Management Megan Henderson Cyber, Risk Management Megan Henderson

Endpoint Detection and Response Explained

Endpoint detection and response (EDR) is a cybersecurity solution that continuously monitors security-related threat information and endpoint data to detect and respond to ransomware and other kinds of malware. It provides visibility into security incidents occurring on endpoints—such as mobile devices, desktop computers, laptops, embedded devices and servers—to prevent damage and future attacks.

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Risk Management Megan Henderson Risk Management Megan Henderson

Construction Risk Advisor | November 2022

Carbon monoxide (CO) is a poisonous gas that lacks a detectable color, taste or odor. Breathing in this invisible gas can displace the oxygen in a person’s blood, as well as deprive their vital organs of oxygen. In large amounts, CO can affect an exposed individual within minutes, ultimately causing them to lose consciousness and suffocate.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Early Estimates Show Increase in Traffic Fatalities for 2022

The National Highway Traffic Safety Administration (NHTSA) released its early estimates of traffic fatalities for the first half of 2022. The report found that an estimated 20,175 people have died in motor vehicle traffic crashes, the highest number of deaths during the first half of the year since 2006. This number is also up a marginal 0.5% from the 20,070 projected fatalities for the first half of 2021.

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Risk Management Megan Henderson Risk Management Megan Henderson

How Small Businesses Can Prepare for a Recession

A recession is a prolonged and pervasive reduction in economic activity. Generally speaking, multiple successive quarters of negative growth in gross domestic product—a monetary calculation of the market value of goods and services generated and sold during a set time period within a given country—constitute a recession. A recession can last for several months or years. Furthermore, recovering from this state to the nation’s previous economic peak can take years, even after a recession ends.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

How to Prevent Catalytic Converter Theft

A catalytic converter is a device found in vehicles’ exhaust systems that converts environmentally hazardous exhaust into less harmful gasses. Though catalytic converters have been installed in every new vehicle since 1975, theft of these devices has skyrocketed in recent years due to the highly valuable precious metals they contain.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Home Insurance Claim Frequency Down in 2021, but Severity Up

Home insurance loss costs and frequency across all perils fell in 2021 from the year prior, but severity increased by 7%, according to the 2022 LexisNexis U.S. Home Trends Report. LexisNexis noted that insurance professionals should not be deceived by the one-year dip. The report, which analyzes data spanning seven years, shows a steady increase over time.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Low Flood Insurance Take-up Rates in Path of Hurricane Ian

Just 19% of households in the Florida communities hardest hit by Hurricane Ian had flood insurance policies through the National Flood Insurance Program (NFIP), according to federal data. The Category 4 hurricane made landfall on Florida’s Gulf coast on Sept. 28, with wind speeds of up to 155 mph and a storm surge of at least 12 feet.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Understanding FEMA Aid Following Hurricane Ian

In the aftermath of Hurricane Ian, the Federal Emergency Management Agency (FEMA) is working to help residents and families throughout much of Florida, North Carolina and South Carolina recover from the storm. Government officials have allocated over $190 million in federal disaster assistance to help the more than 127,000 households damaged by Hurricane Ian.

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Risk Management Megan Henderson Risk Management Megan Henderson

Signs of Trouble Seen for U.S. Commercial Auto Insurance Market

Despite having cause for optimism in 2021, the U.S. commercial auto insurance market shows signs of falling behind again in 2022 as losses increase, according to a new segment report from AM Best. The sector had its best year in a decade in 2021, with a combined ratio under 100, a small net underwriting loss and strong premium growth, the company noted.

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Risk Management, Workplace Safety Megan Henderson Risk Management, Workplace Safety Megan Henderson

OSHA Announces Preliminary Top 10 Violations for Fiscal Year 2022

OSHA announced its preliminary list of the top 10 most frequently cited workplace safety standards for fiscal year 2022. Since OSHA’s fiscal year doesn’t end until Sept. 30—and this list was published prior to this date—the final results won’t be announced until the beginning of 2023. However, this preliminary list indicates the most violated safety standards for fiscal year 2022.

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Risk Management Megan Henderson Risk Management Megan Henderson

Protecting Workers From Concrete Hazards

Concrete is a common material utilized across many construction sites, particularly as it pertains to foundation work. With this in mind, concrete hazards are a key concern within the sector. Such hazards may include respiratory issues caused by concrete dust, slips and falls on wet concrete, skin and eye irritation due to concrete spills or splashes, and struck-by injuries stemming from shifting or tipping concrete slabs—many of which can weigh greater than 800 pounds.

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