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Articles|August 06, 2020

Commercial Articles

By Cavignac

June 2020 Cybercrime in the COVID-19 World The COVID-19 world presents significant challenges for all businesses. large and small. Here are some general guidelines to keep in mind when planning your cyber security.
Apr. 2020 Employee Feedback: Why You Need It & How To Get It
Feb. 2020 Earthquake and Flood Coverage: What You Need to Know  As we all know, it is not a matter of if, but when, a significant earthquake will hit the state of California.
Dec. 2019 Liquor Liability: It's No Party for Social Hosts: See what your responsibilities are and how to protect your company.
Dec. 2019 Special Wildfire Newsletter Learn ways to protect yourself and your home.
Aug 2019 Claims Best Practices - What Not To Do!  Your personal feelings notwithstanding, there is a certain protocol you should follow to correctly respond to a claim.
June 2019 Do You Know D&O? Every company has exposures that can be covered by D&O insurance.
Apr. 2019 Employee Injury Reporting Best Practices The way a claim is handled or managed will materially affect the outcome of the claim as well as the cost.
Feb. 2019 Recruiting, Rewarding and Retaining Key Employees  For any business, employees are the single most valuable asset. Here are some suggestions for providing additional benefits.
Dec. 2018 The Secret to Lowering Your Experience Modification What is an Experience Modification? An Experience Mod compares the loss experience of a company against all the similar businesses in a given state. In addition to the impact that a Mod might have on cost, it can also preclude you from working on certain projects.
Aug. 2018 You're Selling Your Company - What Insurance Should You Require the Buyer to Carry?
Jun. 2018 Auto Insurance Premiums Are Going Through the Roof! What Can You Do About It? What has caused this dramatic increase in loss ratios over the past eight years?
Apr. 2018 Cyber Insurance – What Does It Cover and Why Do You Need It? Data breaches occur every day, and not only to large companies. The good news is that insurance is available, coverage is fairly broad, and costs are reasonable.
Feb. 2018 How Good is Your Risk Control Program? The concept of insurance is unique. A business can pay hundreds of thousands of dollars for a product is hopes to never use.
Dec. 2017 Duties in the Event of a Claim: The Insured's Responsibilities: If a claim or circumstance that could give rise to a claim is not reported in a timely manner to your insurance company, they can deny the claim. Learn what your responsibilities are as an insured.
Aug. 2017 Crime Coverage - Everyone is exposed and everyone wants your stuff! Criminals are incredibly creative, are you protected?
June 2017 The Sharing Economy – What You Need to Know Before You Share Your House or Car - As sharing applications become more familiar to us, many property owners are considering renting out their homes or driving part-time for extra money. But what are the risks? Will your existing insurance cover you if someone gets injured in your home or car?
April 2017 No Remix! The Importance of Managing Risk Correctly...the First Time! Jeff Cavignac shares stories of his recent trip to Nicaragua and how that relates to risk management and getting it right the first time.
Feb 2017 The World is Rapidly Changing…Are You Prepared to Travel in It? While most people don’t equate planning their international vacation with risk, the fact is, the world is changing and travel - especially international travel - is becoming riskier. What are the risks and how do you mitigate or avoid them?
Dec 2016 Workers’ Compensation – Executive Officers: Include or Exclude? This article answers some of the questions regarding whether or not to include or exclude officers from coverage and under which circumstances they should be covered.
Aug 2016 Report Your Claims…PRONTO! There are several reasons why you should report a claim as soon as possible. Read more to find out.
June 2016 Are You Friends with Your Colleagues? The Pitfalls of Accepting “Friend” Requests from Coworkers on Social Media. While there are many benefits to this heightened level of connectivity among peers, these forms of communications can have their pitfalls.
Apr 2016 Zip Code 89410…Where Do You Want To Live? We all have a lot to do, so how do we get better? The first way is to learn from your mistakes. The second way is to learn from others. The third is by reading. Here are some outstanding books on business and personal excellence.
Jan 2016 The Modern Day Con Man and the Social Engineering Play! Social engineering is different from other forms of cyber theft like funds transfer and computer fraud.
Dec 2015 Is a Captive Insurance Company For You? At our core as business owners, we are managing risk every day.
Aug 2015 Drones! Are You Insured? While drones are currently legal if they are used personally, they are illegal, absent a waiver, for commercial use.
Apr 2015 How to Prepare Your Business For a Disaster A disaster recovery plan is something every business needs, but something most businesses don't have. Why?
Feb 2015 The Secret to Lowering Your Insurance Costs! If you lower the cost of your losses, you will lower the cost of your insurance.
Dec 2014 Your Workers’ Compensation Final Audit The workers' compensation audit process can be confusing, complex and, if done incorrectly, expensive.
Aug 2014 Fleet Safety: A Critical Element to Your Risk Management Program Why do you need a fleet safety strategy that goes beyond compliance?
Jun 2014 The Economics of Ergonomics The consequences of poor ergonomics in the workplace can be extremely costly. Find out some basic actions you can take to prevent injury and possible loss of work.
Apr 2014 Preventing Electronic Funds Transfer Fraud As an increasing range of financial transactions move to the virtual world of computers, a whole new set of liabilities arise. Find out about the available options that can help protect your business.
Feb 2014 Risk…Is Yours Being Managed? Cost of Risk is not a line item found on a company's income statement, yet this can be one of the largest and most volatile expenses that a company has.
Dec 2013 Contract Litigation Insurance The issue of attorneys' fees is high on the list of concerns for both the average litigant involved in a local business dispute as well as the sophisticated conglomerate involved in a "bet your company" matter.
June 2013 Return to Work Programs Why You Need One As rates continue to rise, it will become increasingly important for employers to control costs associated with workplace injuries and illnesses.  One of the biggest, yet most controllable, costs associated with workplace injuries and illnesses is lost time from work due to disability. The most effective way to have a favorable impact on these costs is to implement a Return to Work (RTW) program.
Apr 2013 Disaster Recovery Lessons Learned from Superstorm Sandy Although it was classified as a moderate Category 1 storm, Sandy will be remembered as one of the most devastating storms in history. While some businesses had plans in place to deal with a situation like this, most did not. So if a disaster strikes your company, how prepared are you?
Feb
2013
The Parent Care Conversation - The conversations you should have with your parents... while you still can! Long term care for aging parents is a sensitive, often difficult, but ultimately inevitable issue for all of us. Read our February Commercial Insurance Update for some guidance with this sensitive subject.
Dec
2012
Understanding Business Succession: Utilizing Life Insurance to Avoid the Dangers of an Installment Sale - Many business owners expect to sell their ownership interest during their lifetimes. In fact, some see selling their business interest as a practical way to fund their retirement needs. Read our November Commercial Insurance Update to learn more.
Oct  2012 The Economics of the Insurance Industry and Why It’s Important to You! - The insurance business like most industries is cyclical. It is affected by the general business climate but ebbs and flows subject to unique factors. The simplest way to understand the industry is to look at the critical indicators that drive the industry's results. Read our October Commercial Insurance Update.

·       Live Well, Work Well

·       Community Bulletin Board

Aug 2012 Insurance Ramifications of Mergers and Acquisitions - A merger or acquisition involves the combination of one firm with another, or the purchase of one firm by another. Whether a firm is merging, acquiring, being acquired, or if there is a majority change in ownership, there are risk management and insurance ramifications that need to be considered. Read our August Commercial Insurance Update to make sure you fully understand the risk management 'deal breakers' that need to be identified before a deal is consummated.

·       Live Well, Work Well

·       Community Bulletin Board

Jun 2012 Foreign Insurance Coverage- Business is becoming increasingly global. It is not uncommon for even small businesses to have sales overseas. But if you do business in a foreign country, will your domestic insurance program protect you? Read on to learn more about how your domestic insurance policy will respond to foreign exposures, and how to ensure that you are appropriately covered!

·       Live Well, Work Well

·       Community Bulletin Board

Apr 2012 How Smart Business Owners Protect Their Families and Companies - As a business owner, if your goal is to keep your company in your family when you retire or pass away, then it is critical to protect the entity, and to decide when and to whom to transfer it. Read our April Commercial Risk Management Newsletter to find out the best steps you can take to properly plan for succession.

·       Live Well, Work Well

·       Community Bulletin Board

Feb
2012
Safety Pays: The Importance of a Safe Work Environment - Business owners and managers realize that the cost of a lost workday due to injury is substantial.  For every dollar you spend on the direct cost of a worker's injury or illness, you will spend at least that much, or more, to cover the indirect and hidden costs.  Read our commentary on the best ways to prevent and mitigate workers compensation costs.

·       Live Well, Work Well

·       Community Bulletin Board

Dec 2011 An Employer’s Nightmare: The Wage and Hour Issue - It will come as no surprise that the poor economy, which has resulted in massive layoffs and terminations, has caused employment-related claims and lawsuits in general to increase. Wage and hour litigation seems to be increasing the fastest; the Department of Labor estimates that wage and hour complaints increased 15% from 2009 to 2010.

·       Excerpts From the Industrial Welfare Commission

·       Live Well, Work Well

·       Community Bulletin Board

Aug 2011 Fiduciary Responsibility- You have responsibilities as a Fiduciary for your company retirement plan... Are you complying?

·       2011 Risk Management Seminars

·       Live Well, Work Well - Health topics courtesy of Cavignac & Associates Employee Benefits Department.

·       Community Bulletin Board - Neighbors helping neighbors in San Diego.

Jun 2011 Human Resources Hiring “Best Practices”- Hiring the right person for the job is one of the most important decisions a business owner makes. In this issue of the Commercial Risk Management Newsletter we suggest some "best practices" for hiring and outline a process that is designed to help you identify those candidates who are best suited for the job and your company.

·       2011 Risk Management Seminars

·       Live Well, Work Well - Health topics courtesy of Cavignac & Associates Employee Benefits Department.

·       Community Bulletin Board - Neighbors helping neighbors in San Diego.

Apr 2011 Extraterritorial Workers Compensation- Or When Do You Need Foreign Workers Compensation Coverage

·       Wage and Hour Compliance - 2011 Risk Management Seminars

·       Live Well, Work Well - Health topics courtesy of Cavignac & Associates Employee Benefits Department.

·       Community Bulletin Board - Neighbors helping neighbors in San Diego.

Aug 2010 Life Insurance 101 - America’s Most Underused Risk Management Tool- Answers to basic questions about America's most underused risk management tool.

·       Evaluate Your Family's Life Insurance Needs - Easy to use Questionnaire, sample Life Analysis Worksheet, and additional facts about permanent life insurance.

·       2010 Risk Management Seminar Series - A list of our upcoming Risk Management and Loss Control seminars through October 2010.

·       Live Well, Work Well - Health topics courtesy of Cavignac & Associates Employee Benefits Department.

·       Community Bulletin Board - Neighbors helping neighbors in San Diego

June 2010 -Workers Compensation Injuries: Employers’ Best Practices

Action steps to substantially improve your company's risk profile – and drive dollars to your bottom line.

·       2010 Risk Management Seminars - A list of our upcoming Risk Management and Loss Control Seminars through September 2010

·       Live Well, Work Well - Health topics courtesy of Cavignac & Associates Employee Benefits Department

·       Community Bulletin Board - Neighbors helping neighbors in San Diego

Apr 2010 Social Media and Its Risk Implications- Social media (FaceBook, MySpace, YouTube, Yelp, Twitter, etc.) has tens of millions of users – including employees that may work for you. This article addresses the problems and concerns that employers face, and offers action steps to minimize your risks.

·       2010 Risk Management Seminar Series - A list of our upcoming Risk Management and Loss Control Seminars through August, 2010

·       Live Well, Work Well - Health topics courtesy of Cavignac & Associates Employee Benefits Department

·       Community Bulletin Board - Neighbors helping neighbors in San Diego

Feb 2010 Workplace Investigations- Sooner or later, your company will face the need to investigate an employee. Find out how to conduct such an investigation quickly, thoroughly, and objectively

·       2010 Risk Management Seminar Series - A list of our upcoming Risk Management and Loss Control seminars through April 2010

·       Live Well, Work Well - Health topics courtesy of Cavignac & Associates Employee Benefits Department

·       Community Bulletin Board - Neighbors helping neighbors in San Diego

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