Social Engineering Cyberattacks: What to Know and How to Mitigate Risk

Sep 24, 2020

Online manipulation through social engineering is widespread and can have a negative effect on businesses. Unfortunately, these scams are on the rise. Having strong cybersecurity and a comprehensive insurance plan that covers online breaches is very important for companies today.

OSHA’s Temporary Respirator Compliance Guidance During COVID-19: What Employers Need to Know

Sep 21, 2020

OSHA recently issued temporary enforcement guidance for the Respiratory Protection standard (29 CFR 1910.134). This is based on N-95 filtering facepiece respirators (FFRs) and fit testing supply shortages during the COVID-19 pandemic.

What Rapid Changes in Umbrella and Excess Liability Markets Mean for Policyholders

Sep 17, 2020

One topic that we are following quite closely at Rose & Kiernan, Inc. are rapid changes in umbrella and excess liability markets and what these changes mean for policyholders.

Social inflation verdicts happen in a courtroom, which is shown in this photo.

The Trend Toward Social Inflation Verdicts and their Impact on Liability Costs

Sep 10, 2020

In the insurance world, social inflation leads to rising litigation costs and their impact on insurers’ claim payouts, loss ratios, and, ultimately, how much policyholders pay for coverage.

The Impact of COVID-19 on Insurance for Higher Education Institutions

Sep 2, 2020

The COVID-19 pandemic has had an impact on many industries, including higher education. There are a few considerations related to the impact of COVID-19 on insurance for higher education institutions.

Insurance Needs for Businesses offering Ridesharing and Delivery Services

Aug 12, 2020

When it comes to insurance coverage for such services as Postmates, DoorDash, GrubHub and Instacart, it gets complicated.

Post COVID-19: What Increased E-Commerce Means from a Risk Perspective

Jun 24, 2020

While supply chain disruption is part of the overall issue, we’d like to draw attention to what increased e-commerce post-COVID-19 means from a risk perspective across industries.

Workers’ Compensation and COVID-19: NYS Workers’ Compensation Board Releases Helpful Q&A

Jun 18, 2020

The New York State Workers’ Compensation Board (WCB) has published a COVID-19 and Workers’ Compensation Q&A document to answer questions about workers’ compensation benefits to employees who contract COVID-19 while on the job.

Flood Insurance for Your Business: What You Need to Know for 2020

Jun 8, 2020

When it comes to looking into flood insurance for your business, remember that flood insurance is typically not covered in a traditional homeowner or commercial property policy. With that in mind, it’s a good idea to have a conversation with your insurance agent or broker to talk about coverage options.

The Impact of Concussion Risks on Insurance Coverage for Sports Organizations

May 29, 2020

It’s important for sports leagues, teams, athletic departments and organizations to know what is going on in the market and to make sure that they purchase insurance coverage that does not exclude high-risk injuries like concussions or head trauma.