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

HB Retirement Market Update Call for Plan Sponsors and Participants 4/29/20

Click here to access the HB Retirement Market Update Call for Plan Sponsors and Participants, 4/29/20 The opinions voiced in this presentation are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, financial … Continued

HB Retirement Market Volatility Call for Plan Sponsors

Listen to the HB Retirement Market Volatility Call for Plan Sponsors (external link) This material is for general information only. It is not intended to provide specific advice or recommendations for any individual, nor is it intended as authoritative guidance or tax or legal advice.. There is no assurance that the views or strategies discussed … 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

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

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

Your Commercial General Liability Policy, Liquor Liability Exclusion, and Evolving Exposure as an Event Host or Manager: What You Need to Know

Historically, as a venue destination, your exposure to losses related to the selling, serving, or furnishing of alcoholic beverages was marginal. You could operate day-to-day as a VFW, fire hall, church, museum, or art gallery, host events where alcohol is involved, and rely on a standard form commercial general liability insurance policy to help protect … Continued

Expert Update: Risk Management Tools for Temp and Leased Employees

The economic challenges of the 21st century are forcing many employers to use alternative strategies with employment practices.  Using temporary or leased employees gives employers flexibility in staffing for changing demands; outsourcing the recruiting process to third parties also limits exposure to wrongful employment practices. Unfortunately, most employers utilizing this resource stop one step short … Continued