Blogs

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 Carolina through the home state […]

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. If not, at least document […]

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. Hired Auto Liability: The insurance provided […]

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 a claim at a later […]