When severe weather strikes, being prepared can make all the difference. From hurricanes and wildfires to winter storms, IAT Insurance Group is here to help you protect what matters most.
This Weather Preparedness Center is your one-stop resource for actionable tips, tools, and insights to help you plan, respond effectively, and recover quickly after a storm.
Wildfires and structure fires can ignite suddenly and spread fast. Preparation and quick action can help protect lives and property.
Freezing temperatures, snow, and ice can bring operations to a halt and cause costly damage to homes, vehicles, and equipment. Preparation ensures you can weather the cold safely and efficiently.
Enhance winter aircraft safety with key practices: ensure thorough preparation for cold weather operations, provide pilots with survival strategies, and emphasize continuous training. Encourage adherence to personal limits and prioritize comprehensive preflight checks for safer flights in challenging conditions.
Winter preparation is crucial for building managers and drivers alike. Building owners should inspect premises, enhance lighting, prepare for ice, and address cold-weather calamities. Drivers must check tires, defrost, and maintain emergency kits for safe winter driving.
Enhance winter aircraft safety with key practices: ensure thorough preparation for cold weather operations, provide pilots with survival strategies, and emphasize continuous training. Encourage adherence to personal limits and prioritize comprehensive preflight checks for safer flights in challenging conditions.
Winter preparation is crucial for building managers and drivers alike. Building owners should inspect premises, enhance lighting, prepare for ice, and address cold-weather calamities. Drivers must check tires, defrost, and maintain emergency kits for safe winter driving.
In times of high interest rates and rising costs, businesses may cut elective coverages like EPL. However, dropping management liability insurance during financial stress can increase risk. Here are key risks of having a coverage gap during financial strain:
Claims-Made Policy Limitations: Most management liability policies (D&O, E&O) only respond to claims made and reported during the policy period. Skipping a policy year creates dangerous gaps, leaving businesses fully exposed to litigation.
Tip: Maintain uninterrupted coverage to avoid exposure.
Inflation-driven financial pressure is forcing companies to make tough decisions, and D&Os are increasingly held liable for revenue loss, cost-cutting missteps, or failed responses to economic stress.
Tip: Help clients document sound decision-making under pressure.
Higher wages + larger workforces = costlier claims.
With more employees in the labor market and average salaries up, EPL claim severity has surged, especially around terminations, discrimination, and pay equity.
Tip: Recommend thorough HR documentation and updated EPL limits.
Claims-Made Policy Limitations: Most management liability policies (D&O, E&O) only respond to claims made and reported during the policy period. Skipping a policy year creates dangerous gaps, leaving businesses fully exposed to litigation.
Tip: Maintain uninterrupted coverage to avoid exposure.
Inflation-driven financial pressure is forcing companies to make tough decisions, and D&Os are increasingly held liable for revenue loss, cost-cutting missteps, or failed responses to economic stress.
Tip: Help clients document sound decision-making under pressure.
Higher wages + larger workforces = costlier claims.
With more employees in the labor market and average salaries up, EPL claim severity has surged, especially around terminations, discrimination, and pay equity.
Tip: Recommend thorough HR documentation and updated EPL limits.
