Insurance policies cover riot damage, but it’s more complicated than that

Our Vice President of Commercial Lines, Clem Wandrisco, weighs on the in application of insurance coverage for damage from a riot: Insurance policies cover riot damage, but it’s more complicated than that (link to article, membership required) Please note that the information contained in this posting is designed to provide general awareness in regard to … Continued

Expert Update, COVID-19

Over the past several months our team of experts from across our business units have been delivering thought leadership to clients. The Henderson Brothers Property & Casualty, Employee Benefits, and HB Retirement teams have been collaborating on this Expert Update – COVID 19 document which provides concise information relative to the impact of COVID-19 and … Continued

White Paper: Coronavirus and Potential Business Interruption Claims

There are a number of risk management options you and your organization may want to consider when faced with events such as the spread of a pandemic disease, for example the recent coronavirus (COVID-19) outbreak. There are specific insurance products, such as event cancellation insurance or business-travel accident policies, that can provide coverage for adverse … Continued

Reviewing Certificates of Insurance

Insurance is an important component of many business transactions.  Whether you’re a construction company hiring subcontractors, a manufacturer contracting with a supplier for component parts, or anything in between, you require proof that the other party carries adequate insurance to protect them and you in the event of a claim.  This proof is provided in … Continued

How Drained Will a Pipe Burst Leave You?

The Henderson Brothers’ Claims Department assists adjusters to make sure the correct cause of loss is determined to engage the proper coverage for our client. In a recent case of a property water loss, the initial indication from the adjuster pointed to a backup of a sewer line for which there was limited coverage. The … Continued

Please Welcome Paula Niebles, Personal Lines Analyst

Henderson Brothers is pleased to welcome Paula Niebles as a Personal Lines Analyst. Paula was most recently an intern at Henderson Brothers and she was hired in January of 2019 after graduating from the University of Pittsburgh with a major in Finance. Welcome Paula!

Evaluating the Impact of Pennsylvania Workers’ Compensation Rates

On January 1, The Pennsylvania Insurance Department approved a new workers compensation rate filing which reduced rates an average of 10%. This unusual mid-year rate change was the result of two independent circumstances. The first was an erroneous company report that was filed as part of the November 2017 loss cost calculation. The second was … Continued

Pennsylvania Employers: Newly-Enacted Act 111 Is Intended To Be a Compromise After the Fall-Out of the Protz Decision and Resulting Workers’ Comp Rating Changes.

In June and July of 2017, Henderson Brothers reported on the impact that the Pennsylvania Supreme Court’s decision in Protz v. W.C.A.B. (Derry Area School District), 161 A.3d 827 (Pa. 2017) (“Protz”) would have on workers’ compensation insurance. After about 16 months of fall-out from Protz, on October 24, 2018, Governor Wolf signed House Bill … Continued