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The Fair Labor Standards Act (FLSA) is a particularly important compliance piece for most employers.  The reason for this is simple – most insurance policies simply don’t cover settlements or judgments rendered in a FLSA case.  Front line Risk Management therefore becomes mandatory to prevent losses and limit your exposure

Understanding the risk to your Business Income is the first step in deciding whether or not to purchase Business Income insurance.  But before we get to the insurance part, let’s find out what your potential exposure to Business Income risk actually is. The first step in any good Risk Management

Navigating OSHA Compliance in 2024: A Guide for Businesses In the world of risk management, ensuring regulatory compliance is a crucial aspect of safeguarding your business. At Stillwell Risk Partners, one of the key areas we assist our clients with is navigating the complex landscape of regulatory compliance, particularly when

In the ever-evolving landscape of digital threats, Cyber Liability Insurance has emerged as a crucial safeguard for businesses. In this article, we will explore the key differentiators between good and bad Cyber Liability Insurance policies, empowering you to make informed decisions to protect your organization against cyber risks effectively. Standalone

Understanding the factors that influence your workers’ compensation costs is crucial to managing your company’s financial health. One of the most significant determinants of workers’ comp premiums is the Experience Modification Rate (EMR). This is part one of a three part series examining the Experience Modification Rate.  For a more

Workers’ compensation insurance is a crucial aspect of safeguarding businesses and employees against financial risks associated with workplace injuries and illnesses. In this article, we will delve into the to read a Workers Comp policy. By understanding the various components that contribute to the policy’s costs, you can make informed