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

Workers’ Compensation FAQs in Pennsylvania

Statistics show that when workers’ compensation claims are reported in a timely manner, there is a better outcome for both the injured worker and the employer. The Pennsylvania Workers’ Compensation Act has several strict timeline limitations that if not adhered to could result in a denial of benefits to an employee or penalties for the … Continued

Expert Update: Can I Add Personal Vehicles to My Business Policy?

Can I add my personal vehicle to my business policy?” “I need to add a driver – my 16-year-old son just passed his driver test.” One of the most common questions I receive on a regular basis, across all types of businesses, involves covering personal auto exposures on commercial auto policies. Before making this decision, … Continued

Expert Update: When OSHA Knocks

When a safety program is in force and everything is in place, it is sometimes easy to think that we are in the clear. What happens when a severe injury occurs? Was it an amputation or loss of an eye? Was the employee admitted to the hospital or were they just there for observation? Does … Continued

Expert Update: Am I A Good Bonding Risk?

What are Surety Bonds? Although bonds are typically handled by insurance agencies, their application and underwriting are unrelated to the insurance process, and will feel much different to someone obtaining a bond for the first time. A surety bond is a written agreement in which an independent party (the Surety) guarantees a second party’s performance … Continued