Memorial Day weekend traditionally kicks off the summer with family and friends gathering for some fun in the sun, pool action, and grilling. There’s no better time than now to freshen up on grilling safety tips (May happens to be National BBQ Month). According to the U.S. Fire Administration, about 5,700 grill fires take place on residential property every year, causing an annual average of $37 million in damage, 100 injuries and 10 deaths. In addition, thousands of people visit emergency rooms every year because they have burned themselves while barbecuing.Continue reading
Sea levels are rising right before our eyes. Literally. Consider the floods from king tides in Fort Lauderdale (occurring without even a drop of rain) and the hundreds of millions spent to elevate roads in Miami Beach.
Climate change is making its mark on Florida as each year passes. For both current property owners and future buyers, the housing market as Floridians know it is slowly changing.Continue reading
With about a quarter of all U.S. homes primarily speaking languages other than English, and at least 350 languages spoken in homes nationwide, companies today are looking to increase their bilingual resources. Razumjeti? Ymmartaa? Comprende?Continue reading
There’s nothing better than escaping a summer heat wave in your nice, cool, air-conditioned room. Well done, HVACs! There’s nothing worse than an entire building sweating it up when the HVAC breaks. Yeah sure, there are worse things, but for the sake of comfort and safety, let’s address the health of HVACs to keep everyone as cool and collected as possible this summer.Continue reading
Why do you do what you do? Effective leaders can answer that question. And it’s their key to success. In a TED talk that’s been viewed almost 32 million times, leadership expert Simon Sinek uncovers what might be the world’s simplest idea.Continue reading
When New York City billion-dollar hedge fund manager David Moradi decided to hang at The Cosmopolitan’s Marquee nightclub, he didn’t expect to end up suffering a traumatic brain injury. This is exactly what happened when an issue occurred over a $10,000 bill David racked up at the nightclub. According to his claim, the Marquee security “assaulted, battered and falsely imprisoned him” while they demanded his ID and credit card to confirm his signature on the paid bill.Continue reading
Imagine you’re making vacation plans to explore a new city or country. Picture a comfy bed, a suggested guide to the city left on the bedside table, an eat-in-kitchen and a bathtub to soak in…Did you picture a hotel room or someone’s empty apartment? The hospitality industry is continuing to consider consumer preferences as Airbnb approaches its 10-year anniversary in 2018.Continue reading
When it came time for Certus Claims Administration, LLC to relocate from Camarillo to Thousand Oaks, California, the firm was looking for a more modernized space to fit its needs. This meant cleaning house and looking for a new home for some of the office furniture that wasn’t being utilized in addition to the filing cabinets, shelving units, and other items no longer needed as a result of having gone paperless.
The solution was clear: Give back to local entities in need of these items, a hallmark tradition embedded in the culture of Distinguished and its DP Cares program.Continue reading
April showers bring May… liability claims? Okay, okay, we’re not trying to metaphorically rain on the upcoming deck parties, barbecues, and flowers sprouting up all around us. But the reality is that the potential for loss changes, just like the seasons.Continue reading
Ask a Distinguished team member to name her or his favorite week of the year and you might be surprised at the answer.
Culture Week is lots of things to lots of people. A favorite work week? A chance to learn and grow? Intimidating to newcomers? Maybe. Meaningful and fun? Definitely!Continue reading
Alternative risk mechanisms are available to help businesses address and manage their risks. This includes setting up risk retention groups (RRGs) and risk-purchasing groups (RPGs), which are often mistaken for being the same thing. While there are similarities between the two – both require members to be homogeneous and both provide liability insurance under the 1986 Federal Liability Risk Retention Act (LRRA) – they are quite different.Continue reading
More than 3,500 people – many of them children – drown each year in the U.S. and many more suffer serious, irreversible injury in near-drowning incidents, according to the Centers for Disease Control and Prevention (CDC). Furthermore, for every fatal drowning incident involving a child 14 years old or younger, three children require emergency room treatment for submersion injuries and 40% of those require hospitalization, says the CDC. Non-fatal incidents can cause brain damage that results in long-term disabilities ranging from memory problems to the victim being left in a vegetative state.Continue reading
Having a separate Cyber insurance policy is vital to corporations that store any sort of customer data. Too often businesses mistakenly believe that their Commercial General Liability (CGL) insurance will respond in the event of a data breach. This isn’t so as reflected by the latest case involving a Florida hotel group looking to its CGL policy to reimburse $2.4 million in fines and other related costs as a result of a data breach back in 2016. The carrier, Connecticut-based St. Paul Fire & Marine Insurance Company, a unit of Travelers Cos Inc., denied coverage and has requested a declaratory judgment that it is not liable for the data breach under the insured’s CGL policy. Data breach losses, the carrier stated, are not as a result of “bodily injury, property damage, personal injury, or advertising injury under the policy” – exposures covered under the CGL.Continue reading
You can imagine the scene: It’s the end of a long and hardworking summer season for managers at a trendy hotel on New York’s Shelter Island. They decide to celebrate by taking a friend’s fishing boat over to one of the local restaurants. On the way back, one of the managers at the helm of the boat, after drinking too much, crashes into the dock at the hotel property. A colleague gets injured in the boat accident with two broken bones in her leg, leaving her unable to properly walk since the accident occurred last September. The hotel is hit with a $4 million lawsuit as the accident occurred on its property – even though the employees were not working and the hotel did not own the boat.Continue reading
Way back in the bell-bottom dark ages of 1970, a new day was born: Earth Day. Millions of people joined demonstrations that April 22 nearly fifty years ago to protest the deterioration of the environment. Oil spills, air pollution, not to mention toxic waste and wildlife extinction. Fast-forward to April 22, 2017:
Earth Day organizers are continuing the vision for change—through education, public policy reform, and consumer campaigns. 2017, specifically, is calling for a Teach-In on the environment and climate (packets available at EarthDay.org) and a March for Science on the Washington mall in DC.Continue reading