Business Insurance

Eyes (and Mind) On The Road and Hands On The Wheel

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January 9th, 2013

Anything that diverts your attention away from the main task of driving is a distraction. Basically, anything that takes your eyes/mind off the road or your hands off the wheel. This includes cell phone usage, eating, talking, listening to disruptive music, applying make-up, tending to children and navigation systems. Not Just Texting – Any Cell Phone Usage» Read Full Article

R&R Offers Schools Free Campaign Kit to Prevent Distracted Driving

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January 8th, 2013

As an independent insurance agency servicing dozens of public and private schools, and tens of thousands of families in Southeastern Wisconsin, we know first-hand how life can change in an instant. For 2013, we’ve put some muscle behind our campaign to help schools and families prevent distracted driving. R&R Insurance Services is offering a free Prevent Distracted» Read Full Article

Lawmakers Taking Steps to Stop Cyberbullying

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December 27th, 2012

Cyberbullying is still a topic that schools and parents continue to wrestle with. According to Francisco Negron, Chief Counsel for the National Association of School Boards, “Until the Supreme Court takes up this issue, the law still lags behind  the reality of how we live.”  See what districts around the country are doing to take» Read Full Article

The Virtual Doctor Will See You Now

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December 18th, 2012

Virtual doctors, once use only for very secluded areas, has become part of the solution to control health care costs. Employers are now using virtual doctors for their employees – connected right in their office. It’s all about lowering health care costs and making employees more productive. This is a quick and facinating read in Inc. magazine about» Read Full Article

Loss of Business Income Due To Hurricane Sandy

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November 12th, 2012

A week after Hurricane Sandy/Super Storm Sandy, businesses and homeowners are working to figure out the impact of the storm on their property and their income.  There will be many questions regarding what losses are and are not covered. Two areas of potential uncovered claims include Flood Damage and Loss of Business Income. An article» Read Full Article

Health Care Reform Law Here To Stay: What Do Employers Have To Do Next?

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November 8th, 2012

President Barack Obama has been re-elected for a second term in office. Obama’s re-election, along with last summer’s Supreme Court decision upholding the health care reform law, cements the Democratic Party’s dedication to the legislation. What do employers have to do next? With the landscape of employer-provided health care potentially changing over the next few» Read Full Article

Scary Lawsuits: Halloween More About Tricks than Treats

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October 29th, 2012

Trick-or-treating, costume parties, bonfires, and visiting haunted houses, are all part of Halloween traditions; typically all are done in lighthearted, fun fashion.  As we all know, accidents happen we least expect. has compiled a list of “5 Bizarre Halloween Lawsuits” – you may think you are reading the script of a horror film except» Read Full Article

Buildings More Than 70% Vacant Are Most Likely Not Covered, Unless…

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October 25th, 2012

All commercial insurance policies have some type of vacancy clause limitation.  These clauses kick in when 70% or more of the building is vacant.  If the vacancy clause is applied to a location that has a loss it could mean a reduction in the claim payment by 15% or more or in the case of some» Read Full Article

How Is An Insurance Policy Like A Loan?

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October 23rd, 2012

Insurance companies and banks are often compared to one another. Both need to underwrite a customer. Banks underwrite to fund capital or access to capital. Insurance companies do the same when there is loss that needs to be funded. Thus, the insurance company is often called a crisis banker. Another similarity is that losses/profits for» Read Full Article

Surviving An Active Shooter Event: RUN…HIDE…FIGHT!

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October 22nd, 2012

Our hearts are heavy with yet another active shooter event in Milwaukee at Azana Spa in Brookfield, WI. Our thoughts and prayers go out to the families of the victims, and our wishes for a speedy recovery for the survivors. Unfortunately, violent attacks are becoming more prevalent in our schools and workplaces.  Being able to protect» Read Full Article