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But we are proud to say that Kyle Langan contributed 34 entries already.
Product Liability Index 2024 What is Product Liability? Product liability refers to the legal responsibility that manufacturers and merchants face due to bodily injury or property damage caused by their products. [1] Strategy For manufacturers, addressing product liability requires a strategic approach. The strategies must carefully manage operational risks, including product liability and recalls, to […]
Ever discovered a misclassification at the time of a work comp audit? If workers get misclassified as independent contractors, consequences will occur when they are determined as uninsured employees. Employers may face complexity in their compliance efforts. [1] When addressing work comp exposures, the criteria need to have full accuracy before the loss arises; it cannot […]
Edited August 9th, 2024 by Kyle Langan Are employers held accountable for their wrongful acts? Upon litigation, businesses have frequently encountered juries that are sympathetic to plaintiffs, making them more susceptible to nuclear verdicts ($10 million or more) [1]. QUESTION: What could have prevented or reduced the severity of this nuclear verdict example? Example: Microsoft’s […]
Professional Services Coverage for a Trustee Are Trustee Services covered within a Miscellaneous Professional Liability or Errors and Omissions (E&O) Policy for the following roles? Trustee, Protective Committee, Investment Trustee, Distribution Committee, Successor Trustee Receiver, Agent of Record, Paralegal, Personal Representative/Executer, Power Of Attorney The answer is yes, but not by default. For the nature […]
July 19, 2024, by Kyle Langan $5 million award for victim of perpetrator who abused teen girl co-workers at Wendys QUESTION Which commercial insurance contract responds to this type of loss? Failure #1: Thorough pre-hire background check The lawsuit alleges that the company hired the perpetrator in October 2016, despite his previous convictions in Missouri […]
July 2, 2024: OSHA is proposing to issue a new standard, Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings. The standard would apply to all employers conducting outdoor and indoor work in all general industry, construction, maritime, and agriculture sectors. It may soon require employers to create a plan to evaluate and […]
Commercial decision makers may have seen ‘coverage highlights’ or vague, abstract views of assailant coverage. To dive deeper, what sort of actual policy language should a buyer of an Active Assailant Insurance Contract Expect? Protection for Losses Arising From An Attack at Insured Location. Perils covered, directly resulting from an Attack that occurs during the […]
Edited June 6th, by Kyle Langan What is a business email compromise or email account compromise? These cyber risks are financially damaging digital crimes. It exploits the fact that so many professionals rely on email to conduct business. “In a business email compromise (BEC) scam, criminals send an email message that appears to come from […]
Published April 24, 2024 by Kyle Langan Are smaller companies targeted with attacks? Have you seen attempts at Funds Transfer Fraud, through phishing? Sinister sources send these attempts out frequently, and may be experienced the most by small businesses [1]. Weaker security measures are targeted, which is why lower sized operations could find themselves susceptible. […]
Kyle Langan, May 24, 2024 Navigating the Commercial Auto Risk Domain Vehicles represent a nexus of risk for a business. Hazards include deliveries, client meetings, or simply the daily operation. The “ownership, maintenance, or use of vehicles creates liability loss exposures.” [1] To mitigate them, a business should optimize its strategies for titling and insuring […]
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