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Your Construction Business Doesn’t Have a Written Safety Program? Here’s What It’s Costing You. 

Brycie BowserBlog, Business Insurance

Most contractors manage safety the way it’s always been done—experience, instinct, word of mouth. It works, until it doesn’t. When a serious injury happens or an OSHA investigation opens, the question isn’t whether your crew knew what to do. It’s whether you can prove it. A written safety program isn’t paperwork for its own sake. It protects your EMod, your legal exposure, and your ability to compete for contracts that require pre-qualification. Here’s what it costs to not have one—and where to start.

Fall Gatherings and Host Liquor Liability: What Every Host Should Know

Brycie BowserBlog, Personal Insurance Leave a Comment

As autumn brings crisp air, vibrant foliage, and festive gatherings, it also introduces responsibilities for hosts that go beyond food and fun. Serving alcohol at fall events—from football watch parties to Friendsgiving dinners—can create legal and financial risks if guests become impaired. Understanding host liquor liability and adding protections like an umbrella policy can help safeguard both your guests and your peace of mind this season.