​Do you have expensive art in your home: Paintings, sculptures, glass works, textiles, ornamental jewelry, and other items?

If you have art, is it "fine art" - a one-of-a-kind work that may have some historic or artistic significance that required a specific fine skill to create, and is rare and unique?

Fine art differs from collectibles and jewelry, which your policy will typically cover up to a limit. For example, your policy may cover a loss of up to $2,500 for your art, collectibles and antiques.

​The average age of a construction worker is now in the 40s. Baby boomers - people born between 1946 and 1964 - represent 40% of the construction industry workforce, according to the Center for Construction Research and Training.

The nature of construction work presents many hazards for workers, many of which may not appear until late into a person's career. Research suggests that long-term construction work impacts an individual's musculoskeletal system. 

​Despite expectations, Fed-OSHA under the Trump administration has not backed off on enforcing workplace safety regulations.

In fact, the agency is as aggressive as ever and citations are higher than ever as well, after fines were increased substantially three years ago. Based on the agency's own statistics, a company that's inspected has only a 25% chance of not receiving a single citation.

​Group life insurance is often offered to employees as an employee benefit. It serves as both an employee retention tool and a way provide employees some peace of mind for their families.

There are various avenues for funding these group plans, and different underwriting criteria that can either reduce or increase the premium amounts. In most cases, life insurance face amounts will vary from policy to policy and will usually be based in part on each employee's base salary.

​Cost containment will be the chief workers' comp insurance concern for U.S. employers over the next 12 months, according to a survey.

​While overall workplace injuries have been falling in the last decade, the numbers of deadly and catastrophic injuries are actually on the rise.

A new report recommends that employers focus their injury prevention efforts on reviewing accidents that could have resulted in serious injury or death, as well as on near misses, where a potentially serious accident was narrowly avoided.  

​Thanks to advances in technology and the Internet, more and more people are running home-based businesses, either full-time or part-time.

But will a homeowner's policy cover the risks of a home-based business? In nearly every case, the answer is no. The only exception to this might be if a homeowner's policy has a special endorsement, such as to run a catering company from your home.