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Employers could receive significantly higher civil penalties for violations from the Occupational Safety and Health Administration (OSHA), due to a new directive that allows compliance officers to levy penalties for each violation, rather than grouping them together. As of March 26, OSHA compliance officers will be able to use the…

We have all seen the ads for designer drugs, promising to fix serious illnesses and even issues that may not be life threatening but can impact our quality of life. Some may even help you lose weight. Those drugs sound great but they come at a price – and employers…

We might as well admit that many companies look at surety bonds as a necessary evil. This is because it’s a product that usually requires a personal guarantee and may also impede a business owner from success if bonds cannot be obtained under reasonable terms and conditions. On the flip side,…

The holidays are the giving season but now that the celebration is over, make sure you have adequate coverage to protect your valuables from damage, loss and theft. Perhaps you received a beautiful piece of jewelry or art, a valuable watch, book or bottle of wine. Maybe you even found…

We’re all familiar with Valentine’s Day – the day for love. It’s also a day for giving gifts such as candy, flowers and thoughtful cards. Don’t forget expensive jewelry! Now it’s time to get practical. If you have purchased or been the recipient of a splendid gift, make sure you…

You need at least one good bonding relationship, and that relationship should be with your surety broker. A good surety broker can effectively guide you through what could otherwise be an unwieldy and confusing process. For companies where bonding is critical, you may also want your broker to help you…

Without the right surety broker, you are rolling the bonding dice. Worse yet, some people don’t know they are essentially gambling when it comes to their company’s surety bond needs.  Surety bonds are a very specialized non-insurance credit product and a relatively small niche segment of the entire insurance industry.…

ESG (Environmental, Social & Governance) is a term that is used in many different arenas with increasing frequency. There are as many definitions and applications as there are players in the ESG movement. So, what does ESG mean? Though ESG can mean something different to every organization, one thing is…

If your company tracks users of its website, there’s a chance you could be sharing client information illegally through a little-known tracking code called Meta Pixel. Meta Pixel is a snippet of JavaScript code that can be used by website owners for tracking user activity. This information is sent to…

Whether an individual is sitting on the board of a local nonprofit entity, a mid-sized private firm or a large Fortune 500 company, Directors and Officers Liability insurance (D&O) is an important consideration for both individual executives and the company. At its most basic level, D&O coverage is intended to…