John Cofini

Recent Posts

Workplace Violence: Managing a Growing Risk

Posted by John Cofini on Wed, Jun 05, 2019 @ 11:51 AM

The Virginia Beach shooting that killed 12 people last week was a grave reminder of the risk of workplace violence. We hear about incidents of workplace violence every day. From deadly shootings to fistfights, assaults are a common threat, and no type of business is exempt from the danger. As workplace violence increases, the need to manage this risk is greater than ever.

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Tags: workplace violence, workplace risk management

How to Take Control of Restaurant Delivery Risks

Posted by John Cofini on Tue, May 21, 2019 @ 03:47 PM

From fast food tacos to local mom-and-pop eateries, it seems like every restaurant offers delivery these days. According to the Nation’s Restaurant Review, a report from The NPD Group shows that delivery visits have increased by 10 percent since 2012, while sales have increased 20 percent. Restaurants have always struggled with thin profit margins, and the delivery trend provides an exciting opportunity for growth. But before you jump on this trend, make sure you’re ready to control the risks.

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Tags: restaurant insurance, restaurant delivery risks

BNC Construction Industry Roundup

Posted by John Cofini on Mon, May 13, 2019 @ 01:58 PM

Construction is all about breaking new ground and building for the future. If you work in the industry, you need to know what’s happening now. Here’s a roundup of the latest construction news stories.

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Tags: construction industry news, construction industry

Beware of These Employment Practices Exposures

Posted by John Cofini on Tue, Apr 16, 2019 @ 06:32 PM

If you have employees, you have liability. While the work done by employees can be absolutely essential to the success of a company, the employer-employee relationship is fraught with legal exposures. Don’t let your company be caught off guard by these common sources of lawsuits.

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Tags: employments practices exposures

Does Your Business Need Non-Owned and Hired Auto Insurance?

Posted by John Cofini on Tue, Apr 09, 2019 @ 12:56 PM

Your company has commercial auto insurance for any vehicles it owns. But what about vehicles that are used by the company but not owned by it? It’s a common scenario, and it’s one that requires non-owned and hired auto insurance.

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Tags: non-owned and hired auto insurance

Coinsurance Can Significantly Affect Commercial Property Coverage

Posted by John Cofini on Fri, Mar 22, 2019 @ 04:26 PM

Commercial property owners: do you fully understand the coinsurance clause in your commercial property policy? If you answered “no,” you’re not alone. It’s one of the most misunderstood terms in insurance.

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Tags: commercial property coinsurance

Three Growing Construction Site Risks: Violence, Substance Abuse and Aging

Posted by John Cofini on Wed, Mar 13, 2019 @ 01:33 PM

The construction industry has its fair share of risks – and then some. On top of the more common issues – like injuries, construction defects, and environmental concerns – there are three growing risks to be aware of: violence, substance abuse and aging.

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Tags: construction site risks

Construction Contracts: Why You May Be Walking a Dangerous Tightrope

Posted by John Cofini on Tue, Feb 05, 2019 @ 01:50 PM

Out of the hundreds of moving parts and complexities involved in an average construction project, the contract is still one of the most complex and often misunderstood pieces of the puzzle.

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Tags: construction contracts

The Do’s and Don’ts of Handling OSHA Inspections

Posted by John Cofini on Thu, Jan 24, 2019 @ 01:14 PM

Like any business owner, you want to provide a safe work environment for your employees. But accidents, injuries, and even deaths can happen. And when those tragic things happen, agencies like OSHA can get involved, adding even more scrutiny and stress to an already tense situation.

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Tags: OSHA inspection, how to prepare for an OSHA inspection

New Case Illustrates Why Property Managers Must Be Vigilant in Fire Prevention Efforts

Posted by John Cofini on Mon, Jan 07, 2019 @ 03:01 PM

If you’re a property owner or manager, you face a host of risks on your property every day. And few things can strike terror in the minds of landlords and renters quite like the word “fire.” In multiple-unit buildings with multiple families, a small blaze can quickly turn into a widespread disaster. That kind of disaster could send your business into a financial tailspin.

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Tags: fire prevention efforts, property managers