Scrooge & Marley, PLC: A commercial insurance case study


Scrooge & Marley, PLC, was a privately held partnership in 19th-century England that operated out of a dingy warehouse in the Cornhill section of London. Partners Ebenezer Scrooge and Jacob Marley founded the “counting house” with no outside investors or small business loans. Marley referred to the firm as “a money-changing hole,” a closely held, […]

The Insurable Risks of Zombie Attacks on Small Businesses


Zombies are sweeping the nation—at least if you believe the media and pop culturists. The walking dead are everywhere, from cities and small towns to homes and offices. While most people try to eradicate them, few are learning to adapt and deal with the situation. Case in point: For every time you’ve seen zombies creating […]

3D printer risks investigated


In a previous blog post—3D Printers: Do emitted chemicals from inexpensive desktop models pose health risks?—we discussed a study on emissions and possible risks associated with small commercial desktop 3D printers. Due to lower cost, this class of printer is becoming more widespread in universities, commercial facilities, and even homes. As a result, they’re increasingly […]

Fire trends in multifamily housing


Advances in automatic fire and smoke detection, central station alarms, and automatic sprinklers have helped property losses decline slightly in the last decade. But despite the best efforts of builders, code officials, and fire prevention experts, the number of fires in multifamily residential buildings remains relatively consistent. Recently, the United States Fire Administration (USFA) issued […]

Reducing the risk of commercial vehicle crashes

commerical vehicle crashes

In 2014, in the United States, 3,903 people were killed and an estimated 111,000 injured in police-reported traffic crashes involving large trucks. Seven percent of the fatal crashes involved a truck hitting the rear of another vehicle. In an effort to reduce crashes, a number of trucks are currently equipped with crash avoidance systems (CAS), […]

Risks and rules for small commercial drones

Drones are entering the mainstream. The agriculture and real estate industries may currently dominate commercial usage, but a wide and varied market is shaping up. Many fields can use drone technology, including construction, surveying, oil and gas, security, television and film, and delivery services, among others. As any general liability insurer can attest, that’s a […]