by | Construction, General Liability |

Having a poor performing subcontractor can upset the entire project, resulting in:  increased costs, increased risk of accidents, poor finished product and not meeting construction schedules.  All of these outcomes impact the reputation of all contractors on the project, most notably the general contractor. Hiring a contractor is the most important step in the process... Read more »

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by | Loss Control, Safety |

Imagine you are doing an emergency trench cut to fix a broken water line in the middle of the winter and you destroy an electrical line.  This in turn cuts off the heat to a city block or two.  Image the cost of all those frozen pipes if you can’t get the electricity back online.... Read more »

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by | Workers Compensation |

Workers’ compensation continues to dominate legislative deliberations in most states. Whether the issues are the skyrocketing abuse of opioids by workers’ compensation claimants or the continuing efforts of states to address worker misclassification, one person in center stage of these deliberations is Vermont Representative Bill Botzow. Since 2012, Botzow has served as chair of the National... Read more »

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by | Laws & Regulations, Property |

If you release contaminants at your business premises or work sites that affect the environment, will your insurance respond? How can this happen?  It depends on what your business is, but all of us use or generate potential pollutants.  Any of the following could cause pollution: Sewerage and waste water if pipes and septic systems are... Read more »

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by | Ocean Marine |

People often ask me, “What’s the difference between a Tug boat and a Push boat?  What exposures should I be looking for?  What coverage forms are designed to address the exposures?” A Tugboat is a powered vessel that either pulls (tows) another vessel, pushes another vessel or guides another vessel while tied to the vessel’s... Read more »

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by | Loss Control, Safety |

Did you notice that winter is over? Finally!  We have escaped winter’s hold and we are headed into long days and great weather.  Summer is a great time for working outside but there are some dangers that arise when working in the summer heat.  Heat stress is a dangerous occurrence that can arise whenever you... Read more »

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by | Loss Control, Safety |

The Acadia Insurance Virtual Loss Control team was created about one year ago with the concept of providing direct safety-related informational and real-time assistance to Acadia Insurance customers, our agents and employees.  Over this period, and as this idea has continuously evolved, the Virtual Loss Control Staff has worked with several hundred clients.  What is not clear... Read more »

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by | General Liability, Safety |

Preventing slips, trips and falls to avoid liability claims You may remember the line from the TV advertisement several years ago, “I’ve Fallen and I Can’t Get Up!”  It has become a punch line for many jokes, but slips, trips and falls are no joking matter.  They can happen in a split second, can happen... Read more »

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