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A contractor is hired to remodel a store in a busy commercial area. The contractor’s painting subcontractor leaves a bucket of oily rags in the alley next to the store overnight, and they ignite, completely destroying the neighboring building. The cost to replace the building and its contents is over $2.8 million. The contractor’s contract with the painting subcontractor contains an Additional Insured provision, but it only requires the subcontractor to carry liability limits of $500,000. The subcontractor has no assets beyond the policy’s $500,000 limit, and the contractor is sued for the additional $2 million plus in damages. The contractor’s own liability insurance carrier must defend against the lawsuit and pay any covered amounts up to the limits of liability coverage. This is where knowledge of Contractual Risk Transfer is crucial.

According to a recently released report by eMarketer, Americans put in seven hours and 50 minutes on average per day watching some type of digitally transmitted content. You might attribute the nearly eight hours per day to the pandemic of 2020, but eMarketer predicts the average daily amount of time Americans stare at a computer screen in 2021 could exceed eight hours.

Hotels offer their guests many amenities, but perhaps no amenity has more influence on where guests stay than a swimming pool. Whether your hotel pool is indoors or outdoors, it acts as the magnet that draws your guests together.

Does your job involve using a ladder? Do you know what to do to prevent falling when climbing a ladder?

One of the biggest reasons that it has taken so long to train autonomous vehicles is the sheer number of calculations that the human brain has to make every millisecond in order to stay safe on the road. Though the reality is getting close and research has advanced insanely quickly in the past 5 years, a full regulatory acceptance—let alone consumer embrace—is going to require a lot of proof.

Small businesses need the right types of insurance to protect assets against damage and legal claims. That said, many business owners are uncertain of what they need when it comes to their coverage, as the process can be confusing and, often, overwhelming.

The craft beer brewing industry is constantly expanding and OSHA has been diligent on making sure breweries are following the applicable standards and regulations.  Below is a list of the six most common OSHA violations in the beer brewing industry.

We don’t often enjoy having to concede to nature’s law that dictates to us that all things change, all of the time. But as Mr. Emerson keenly observes, it happens, regardless. Depending upon one’s perspective, change can be a good thing, or it can be bad.