August 2010

Equipment Breakdown – What Does it Cover?

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August 6th, 2010

What is Equipment Breakdown? Equipment Breakdown is Property coverage.  It has a different title, but it is an extension to the Property form.  In most Property forms you will find exclusions for losses due to steam boiler explosion, loss due to mechanical breakdown and loss due to electrical arcing (the latter is where I see» Read Full Article

Are Municipalities (and related entities) Covered by OSHA?

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August 4th, 2010

 This question was posed by one of the LWMMI insured utility districts and the timing was perfect as the August 2009 issue of “The Municipality”, a publication of the League of Wisconsin Municipalities confirmed the response we provided. Here’s the response (slightly paraphrased) from “The Municipality”: Local governments are not subject to Occupational Safety and» Read Full Article

Should you buy Rental Car Insurance / Top 10 Safety Tips for Rental Cars

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August 2nd, 2010

Last week, I had a conversation with a business owner in Sheboygan about whether or not he should purchase the rental car insurance offered at the rental desk.   Truly, the decision must take into consideration what is stated in your policy, and your agent should be able to answer that for you.  Most policies will cover physical damage» Read Full Article