Educators face unique professional exposures that go beyond standard general liability. That’s where Educators Legal Liability (ELL) coverage comes in. Understanding Educators Legal Liability is critical for school administrators, as it protects against claims related to employment practices, student rights, professional duties, and more. From wrongful termination to student disciplinary disputes, ELL can provide [...]
In August 2025, a tractor-trailer owned by a third-party freight carrier was transporting thousands of pounds of frozen hot dogs when it overturned and struck another vehicle on Interstate 83 while traveling through York County, Pennsylvania, resulting in the meat products spilling across the highway. According to local authorities, the incident occurred on a weekday morning during rush-hour traffic as the tractor-trailer was nearing an exit ramp. In this moment, the driver of the truck reportedly lost control due to an undisclosed mechanical problem, causing it to tip over, hit a nearby passenger vehicle and tear open the boxes of tightly packed hot dogs in the process.
Fire and security safety for school holiday events should be a top priority as schools prepare for winter concerts, class parties, and seasonal performances. While these events foster community and joy, they also bring increased fire and security risks due to decorations, after-hours gatherings, and higher foot traffic
Passenger vans—which typically have an occupancy of between nine and 15 people—are used by many organizations to transport a wide range of passengers. Some of those passengers require the use of a wheelchair. Wheelchairs can either be stored as cargo when not in use or used as a seat during transport. There are many safety considerations and best practices to be aware of for those who are in charge of the loading, unloading and securement of wheelchairs and their occupants in passenger vans. These best practices are especially important when a passenger is using a wheelchair as a seat in the vehicle. As such, employees should be trained on working with different types of wheelchairs as seats in the vehicle, securing occupants in those seats and securing the wheelchair as cargo when it is not in use.
Fleet fraud refers to a host of deceptive activities that may occur amid the sale and operation of commercial vehicles and their individual assets (e.g., engine parts). Such fraud is a significant concern for any business that utilizes commercial vehicles, whether it’s a few small cars or a dozen tractor-trailers.
Cyber hygiene for schools is more important than ever in today’s digital learning environment. Teaching digital safety to students not only protects their personal information but also strengthens overall school cybersecurity. With increasing online access in classrooms, cyber hygiene for schools must become a routine part of curriculum planning and student behavior expectations.
Although we do our best at to keep the workplace safe, violence inflicted by an outsider or between employees remains a serious safety and health issue. It can occur inside or outside the workplace and can range from threats and verbal abuse to physical assaults and homicide. In fact, according to the United States Department of Labor, workplace violence is the fourth-leading cause of fatal occupational injury in our country.
The existence of the Environmental Protection Agency’s (EPA) Oil Spill Prevention, Control and Countermeasure (SPCC) Rule, which has been in place since the 1970s, is widely known in the oil and gas industry. However, it is important to be aware of changes and clarifications made in 2010, which are of particular interest to those in the oil and gas industry. In a continued effort to prevent oil discharges from reaching navigable waters and adjoining shorelines, the EPA made several clarifications and changes to the decades-old SPCC Rule. The following provides an overview of the basics of the SPCC Rule while highlighting important modifications.
FERPA and data privacy risks have become increasingly important issues for schools to understand and address. FERPA—the Family Educational Rights and Privacy Act—is a federal law that protects the privacy of student education records. However, as schools collect and store more sensitive data, FERPA and data privacy risks are also evolving. To stay compliant and protect students, school administrators must understand the law, recognize common risks, and implement practical solutions.
When acquiring another company, there’s no shortage of factors to consider. From valuing physical assets to estimating potential synergies, the due diligence process can be complex. However, one critical element often overlooked is the EMOD.
