By now, most of us understand that the potential for a cyber hack is as great for a small company as it might be for the largest employers. In response, insurers have been offering cyber coverage for years. But what, exactly, does one of these policies do for you beyond offering liability coverage for a… Read more »
Allegations of withholding tips or failing to pay employees minimum wage or overtime have hit the restaurant, landscaping, construction and childcare sectors, among others. For employers with large workforces, the potential liability in these cases can be staggering, often in the tens to hundreds of millions of dollars. According to the latest figures, the 10… Read more »
If you’ve been paying attention to the real estate scene in Denver, you know that demand for industrial space is as robust as demand for housing. Online retailers occupy a lot of that space. New and expanding manufacturers also are helping create demand for industrial space. While Colorado’s manufacturing sector is relatively small, the renaissance… Read more »
Risks, known and unknown, are everywhere. CCIG’s Risk Management team can help you identify, assess and minimize the risks so that your company can deal with losses and get back to business.
It’s field-trip season again, an exciting time for kids but also a time of year that gives those of us in the insurance industry a bit of anxiety. Why? Because if you drive a car in Colorado (and many other states), the law requires you to carry a minimum level of liability insurance, which covers… Read more »
Have you ever had a medical claim processed incorrectly? Well, those days might soon be over, thanks to artificial intelligence. Artificial intelligence, of course, has been around for a while, but there’s more buzz about it now because healthcare companies are beginning to arm themselves with the right algorithms, they have tons of data and,… Read more »
Let’s say you live in Denver and your nanny quits suddenly and files a lawsuit for sexual harassment after your husband purportedly made inappropriate comments to her when they were alone in the house together. Or perhaps your husband is unhappy with the gardener. You fire him (the gardener, not your husband), and he responds… Read more »
THE CHALLENGE: When it comes to workers’ compensation premiums, a company’s experience modification rate, or EMR, is everything. No one wants an e-mod higher than 1.00. An e-mod, as a refresher, is a ratio that expresses actual to expected losses that occur over a (typically) three-year period. In this case, our client – a taxicab… Read more »