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Is an employee covered with workers compensation when she travels to a different state?  It depends! For example, if your employee works in Maryland and serves a client in Maryland, and goes on vacation with the client to North Carolina for two weeks, there is workers compensation coverage in North…

Greetings. Happy 4th of July to all those from the United States. A friendly reminder to please file claims! The mental model to use: Would a prudent person, looking at the same information, think a claim might result from the circumstances? If so, file the claim with your insurance company.…

There are important items to get right when purchasing a crime policy:

Increasingly, home care agencies are turning to Uber and Lyft to transport clients. What are the insurance coverage implications of doing so? Many insurance policies for home care agencies include a coverage line ‘Hired Auto’. Do Uber/Lyft services trigger hired auto coverage? Let’s look at a typical insuring agreement: A.…

Please, please file any incidents that you reasonably think might result in a claim with your insurer in a timely manner. Or, if you think it will not result in a claim, document your thoughts to the patient file, to protect your interests in the event it does develop to…