Business Insurance & Risk Management

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Sexual Abuse Risk Management for Nonprofits Workshop

It is a sad reality that sexual abuse is neither an uncommon problem nor an insignificant risk for nonprofit and religious organizations serving children and youth. Because abusers often seek access to victims through charitable…

Toole AdminOctober 2, 2012

Business Insurance & Risk ManagementPersonal Insurance & Risk Management

Are you ready for weather hazards?

With the arrival of fall, many Americans are finally settling into their routine, as kids are back at school and adults have returned to the daily grind. For some, this adjustment can be a bit…

Toole AdminSeptember 29, 2012

Business Insurance & Risk ManagementBusiness Monthly Email

Business Overhead Expense Insurance

As a business owner, you have undoubtedly invested blood, sweat, tears, and capital into the successful operation of your business. You drive everything forward by establishing the vision, developing the work culture, creating revenue, and…

Toole AdminSeptember 27, 2012

Business Insurance & Risk Management

Court: Severance Pay Not Subject to Employment Tax

In a tax decision that could have wide business implications, a U.S. appeals court ruled on Friday that employment taxes should not have been imposed on severance pay in an involuntary layoff. The 6th Circuit…

Toole AdminSeptember 17, 2012

Business Insurance & Risk Management

Supreme Court to define ‘supervisor’ under Title VII

The U.S. Supreme Court announced it will hear an important case next term on the definition of “supervisor” under Title VII harassment law. At issue: Whether the supervisor liability rule applies to employees who oversee…

Toole AdminSeptember 14, 2012

Business Insurance & Risk Management

Global cyber-security tab hits $10 billion

Number of the day. $10 billion. That's how much businesses spend every year across the globe to fight cyber-crimes with firewalls, detection systems and software maintenance. Cyber-attacks on U.S. computer networks rose 17-fold from 2009…

Toole AdminSeptember 9, 2012

Business Insurance & Risk ManagementToole Workers' Comp Advisor

Workers’ Comp Advisory

Top ten ways employers mess up Workers' Comp claims While it's well known that costs mount the longer a Workers' Compensation claim stays open, employers often unwittingly make mistakes in managing the claim. Here are…

Toole AdminSeptember 6, 2012

Business Insurance & Risk ManagementToole Guard

Insurance Audits

Managing your expenses, including your insurance premiums--which directly impact your bottom line--is even more critical in today's economy. Understanding and strategically preparing for your audit process can reduce the likelihood of premium errors and over-payment.…

Toole AdminAugust 27, 2012

Business Insurance & Risk ManagementBusiness Monthly Email

Key Person Insurance

A "Key Person" is worth his/her weight in gold! In most companies, continuous success is often dependent upon a handful of key people. These business owners or employees possess valuable knowledge, skills, and/or experience that…

Toole AdminAugust 24, 2012

Business Insurance & Risk Management

The Profound Failure of Congress on Cybersecurity (and Why You Should Care)

On August 2, Congress did it again. They acknowledged the looming threat of cyberwarfare while discussing the Cybersecurity Act of 2012, and then they "kicked the can down the road." It's what they do best.…

Toole AdminAugust 22, 2012

Business Insurance & Risk Management

The No. 1 Employer Mistake, Wrongly Labeling Employees As Exempt From Overtime Pay: Supervisors Could Pay Big Time

Of the most cited complaints by workers, one that is probably heard the most often is that supervisors don’t pay much heed to employees working unpaid overtime and look the other way when workers put…

Toole AdminAugust 21, 2012

Business Insurance & Risk Management

Bright lights, risky business: The realities of entertainment insurance

In the pantheon of Hollywood glitz and glamour, insurance underwriters sound akin to the CPAs who tabulate Oscar votes. But the big-bucks business of insuring movies and TV shows during production has plenty of thrills…

Toole AdminAugust 18, 2012

Business Insurance & Risk Management

A Growing Temp Workforce Means More Employer Liability

Given the ongoing uncertainty in the economic outlook, many U.S. employers are still reluctant to hire new employees. Increasingly, companies are meeting their staffing needs with temporary help. The wait-and-see approach to hiring can provide…

Toole AdminAugust 15, 2012

Business Insurance & Risk ManagementToole Guard

Protecting the Children- Sexual Abuse Prevention

One of the privileges of your business is the ability to work with children--our future. With that privilege comes unique challenges and concerns--one being the protection of the children as no one ever wants a…

Toole AdminAugust 12, 2012

Business Insurance & Risk Management

Latest vicarious liability ruling ‘could be massive for small firms’

A warning shot has been fired across the boughs of small and medium enterprises after a court ruled that organisations could be vicariously liable for the actions of someone who is not employed by them…

Toole AdminAugust 9, 2012

Business Insurance & Risk ManagementPersonal Insurance & Risk Management

Overlooking disability insurance can be costly

CHICAGO (AP) — Long-term disability insurance is the forgotten insurance. The importance of auto, health, homeowners and life insurance is well known. But disability coverage, which replaces lost earnings if you can’t work, tends to be…

Toole AdminAugust 6, 2012

Business Insurance & Risk ManagementBusiness Monthly Email

Intellectual Property

Intellectual property (IP) can be the most precious asset of a business while likewise a liability if another's IP ownership is not respected. What exactly is IP? It is the product of the human intellect…

Toole AdminJuly 29, 2012

Business Insurance & Risk ManagementToole Guard

EEOC & Criminal Records in the Employment Screening Process

In today's fast moving world, we understand that it is difficult to remain absolutely current with the ever changing laws and regulations placed upon the shoulders of employers. As your trusted risk advisor, we are…

Toole AdminJuly 26, 2012

Business Insurance & Risk Management

Businesses and cyber-security: A spook speaks

Like blooms on a peculiar plant, speeches by the head of the British security service are rare; and when they do appear, they draw attention. On June 25th Jonathan Evans, the director-general of MI5, burst…

Toole AdminJuly 23, 2012

Business Insurance & Risk Management

Warn supervisors: Wage mistakes could mean personal liability–and they would have to pay!

Want to stop supervisors who allow off-the-clock work or look the other way when employees work un­­paid overtime? Remind them that, unlike some other employment laws, the Fair Labor Stand­­ards Act (FLSA) allows em­­ployees to…

Toole AdminJuly 20, 2012

Business Insurance & Risk Management

3 Common Mistakes Your Workers Comp Claims Adjusters May Be Making

Adjusters are faced with many duties to perform every day. Some of these tasks are simple and take minutes, while some tasks can take up the majority of a day. Below a few easily overlooked…

Toole AdminJuly 17, 2012

Business Insurance & Risk Management

How changes to the criminal background check policy will affect employers

Criminal background checks conducted during the hiring process can both save employers money and protect their business. “If your employees come in direct contact with your customers and cause them harm, your business can be…

Toole AdminJuly 8, 2012

Business Insurance & Risk ManagementToole Guard

Agility Recovery Solutions

In today's fast moving world, it is vital for all businesses to be able to operate at every possible moment. The inability to "work" could be catastrophic for your business. For over 20 years, Agility…

Toole AdminJuly 5, 2012

Business Insurance & Risk Management

Job descriptions are works in progress … Stay on top of them!

There’s a good chance that what your employees actually do every day has little in common with what’s written in their job descriptions. That’s a problem. Inaccurate or in­­complete job descriptions can cause legal liability…

Toole AdminJune 28, 2012

Business Insurance & Risk ManagementBusiness Monthly Email

Cyber Liability Solutions

Cyber Security breaches are a painful reality for organizations of all kinds and at all levels. As we showed last month, all businesses have exposure to some level of Cyber intrusions. Annually over 16 million…

Toole AdminJune 15, 2012

Business Insurance & Risk Management

Painkillers hike workers’ compensation cost, insurers say

NEW YORK - Workplace insurers are accustomed to making billions of dollars in payments each year, with the biggest sums going to employees hurt in major accidents, such as those mangled by machines or crushed…

Toole AdminJune 10, 2012

Business Insurance & Risk ManagementPersonal Insurance & Risk Management

Putting the ‘Insurance’ Back in Health Insurance

We understand that it would make no sense to buy auto insurance after we’ve already crashed our car. We appreciate that it would be strange to buy homeowner’s insurance after our house has already burned…

Toole AdminMay 28, 2012

Business Insurance & Risk Management

Romance in the workplace can be a minefield

ST. PAUL, Minn. — The scandal at Best Buy raises the sticky issue of romance in the workplace, specifically relationships involving bosses and subordinates. Such relationships can be a minefield for companies, exposing them to…

Toole AdminMay 25, 2012

Business Insurance & Risk ManagementBusiness Monthly Email

Cyber Liability Exposed

The business environment is continually evolving with increased reliance on electronic communication and data storage. Confirmed by daily occurrences in the media, this evolution brings a higher penetration of cyber intrusions and data theft, putting…

Toole AdminMay 22, 2012

Business Insurance & Risk Management

Cyber Briefings ‘Scare The Bejeezus’ Out Of CEOs

For the CEOs of companies such as Dell and Hewlett-Packard, talk of cyberweapons and cyberwar could have been abstract. But at a classified security briefing in spring 2010, it suddenly became quite real. "We can…

Toole AdminMay 16, 2012