Controlling Workers’ Compensation Costs for School Districts

by Chris Branvold, Consultant, Commercial Lines Department and Education Practice Group Member Educational institutions comprise various work environments, including classrooms, school buses, and sports facilities. Therefore, protecting these diverse types of employees with proper safety procedures and workers’ compensation insurance represents a high priority for school districts and a large portion of their insurance costs. … Continued

Insurance Issues in the Education Industry

Schools, colleges, and universities are intricate networks of different types of jobs across multiple facilities and locations. From an insurance perspective, they face many kinds of risk exposure. At Henderson Brothers, we have been serving the education industry for decades. We understand the school environment and the nuances of resolving education-related issues. Here are several … Continued

Exhaustion of Limits: Named Insured and Additional Insured

There are basically 2 types of “exhaustion” scenarios when you look at the insurance programs of the Named Insured versus the Additional Insured. A typical example is where a Subcontractor (Named Insured) is asked to add the General Contractor to their policy as an Additional Insured. Indeed, the General Contractor, and Additional Insured in this … Continued

Whitepaper: Corporate Safety Infrastructure & Protecting Your Business

Cyber insurance had record rate increases in 2021 and there are no signs of slowing down during 2022. The types of attacks and vulnerabilities are changing quickly as bad actors are constantly testing and exploiting newfound weakness in corporate cyber defenses. The size and scope of ransom demands continues to increase exponentially. Whitepaper: Corporate Safety … Continued

Whitepaper: Important Potential Changes Coming to Your Cyber Liability Coverage Form

Like 2020, the year 2021 was tumultuous for many reasons. Developments in cyber security and the market for cyber liability insurance were no different. In response to these conditions, significant changes to available coverage for cyber liability insurance may lie ahead. Several carriers have already submitted new forms and rates for 2022. Other carriers may … Continued

Expect An Expert Episode 6: Excessive Fee Litigation

In this episode of Expect an Expert, Henderson Brothers’ in-house counsel, Peter Horne, answers 4 questions about excessive fee litigation and its impact on insurance. An excessive fee lawsuit is when participants in a retirement plan allege that the plan sponsor (or other entities or individuals) breached their fiduciary duties by making the participants pay … Continued

Understanding the TikTok® Challenge

Around the start of the school year a TikTok® trend began to emerge among teens and young adults. The trend known as “Devious Licks” has middle and high school aged students participating in and filming for social media various scandalous activities. These activities are primarily taking place on school grounds. In the month of September, … Continued

Does Insurance Coverage Respond to Disputes Involving Voluntary Compliance Programs?

A recent decision from the Sixth Circuit reveals how exclusions in your D&O policy might negatively impact your compliance activities. In the case of Barber v. Arch Insurance Company, 2021 U.S. App. LEXIS 20368 (6th Cir. July 7, 2021) (“Barber”), the court determined a coal company’s D&O policy would not supply coverage, because the company’s … Continued

Expect An Expert Episode 5: Builders’ Risk

A Builder’s Risk policy is a variation of a property policy that offers protection in construction scenarios not typically not seen in a standard property policy. In this episode of Expect An Expert, we are joined by our commercial insurance experts Clem Wandrisco and Dan Coast, as they elaborate on Builders’ Risk policies, explain certain … Continued