Commercial Insurance

When Rising Water Is Called a Flood

There are floods in the news again… seems incessant. Hurricane Sandy just devastated the New York metropolitan area. Duluth is still working to recover from recent flood damage of trout streams and hiking trails. Though we’ll likely have a reprieve for a few months, flood season will come roaring back shortly after we’re lulled to sleep. Most everyone experiences a surprise “flood” in one situation or another, whether a formally declared flood such as caused by hurricane Sandy, or a swamped basement because a sump pump couldn’t keep up following a spring thunderstorm. There are multiple definitions of what constitutes a “flood.” Some floods are addressed easily by insurance, some are clearly excluded.

Employment Practices Liability Insurance

If you think an allegation of sexual harassment, retaliation, or discrimination will never be made against your organization—think again. Employment-related claims impact organizations of every size, in every industry and can disrupt businesses, hurt employee morale, damage reputations and cost businesses financially. Employment Practices Liability Insurance (EPLI) may be the...