The Creative Alliance

Professional liability insurance is coverage for individuals and organizations that provide professional advice or services in the event that a client alleges a mistake or oversight was made. Also called errors and omissions insurance (or E&O for short), it’s critically important if your business is focused on providing expertise. Everyone makes mistakes occasionally. Profess...

Does your business need workers’ comp insurance? If you have employees, you almost surely do. Technically called workers’ compensation insurance and sometimes referred to as workers’ comp or workman’s comp insurance, this coverage protects employees in the event of an injury or illness at work. The financial support it provides can be crucial as they strive to recover and return to work. W...

In the past two years, there has been a seismic shift in how individuals and companies think about their impact on the environment. It is widely accepted that movement toward a low-carbon world, as quickly as possible, is of critical importance. This cannot happen overnight. For most industries, including aviation, this is an enormous challenge. Air transport is a vital feature of our mod...

In the immortal words of Benjamin Franklin, “An ounce of prevention is worth a pound of cure.” That truism definitely applies to heating, ventilation and air conditioning (HVAC) systems. The hardworking components in an HVAC system will continue to do their job for many years if taken care of properly. However, if the only time the system is worked on is when a problem arises, components ...

Regardless of what type of semi trailer you’re hauling, it’s important to load it correctly. Improper loading can lead to various problems including damage to the freight or the trailer, injuries to people tasked with unloading the trailer at your destination, etc. Proper loading of a refrigerated semi trailer (frequently referred to as a “reefer” trailer) is especially important. Not onl...

While renting any vehicle comes with risk, there is much more at stake when that vehicle is an airplane. The consequences of mechanical problems with the aircraft, operator (i.e., pilot) error, etc. can be significant and put people, the plane and other property in harm’s way. Fortunately, there are steps you can take to help minimize the risk to yourself and others when you rent aircraft....

The death of a loved one is difficult for many reasons. One is the finality of it, of course. This person who played such an important role in your life is no longer here. While many people trust that they will be reconnected with departed loved ones when their own time arrives, at least in the near term, there is the feeling of being completely cut off from a lost friend or family member's l...

A fact pattern we see all too often is a former employee claiming an ownership interest in or over software or intellectual property (IP) developed by or for a former employer. Typically, this occurs with the former employee attempting to exploit a real or perceived ambiguity in his or her employment relationship with the employer—i.e., ambiguity regarding the former employee’s status as eith...

Many small businesses are formed as what is called a limited liability company or LLC. This business structure is a hybrid legal entity that combines aspects of a corporation and a sole proprietorship or partnership. Because “liability” is in the name of this type of entity, it would be easy to believe that operating in this mode protects your company from legal liability and lawsuits or, at...

Whether you’re an experienced trucker operating the rig you’ve used for many years or a warehouse employee who has been tasked with moving a rented semi trailer from one place to another, doing your job safely must be your top priority. As the Insurance Institute for Highway Safety (IIHS) points out, “Trucks often weigh 20-30 times as much as passenger cars and are taller with greater groun...