Property and Casualty
December 16, 2025
Best Practices for Preventing Premises Liability Claims
Any business that owns or occupies commercial property generally has a legal duty under applicable law to keep the premises in good condition and, in turn, reasonably safe for visitors. Failure to do so could pose significant premises liability concerns and related claims. Such claims, which primarily involve a third party getting injured while visiting...
December 11, 2025
Winter Weather Liabilities
The winter months bring more than just cold weather and shorter days; they bring the possibility for winter storms that may result in a snow- and ice-covered landscape. While it may be a winter wonderland for some, as a property manager, snow and ice buildup means a hazard with the potential for costly liability. If...
December 4, 2025
California Employment Laws Effective Jan. 1, 2026
California enacted new or amended existing state labor and employment laws throughout 2025. This Legal Update provides an overview of these new or amended laws, almost all of which take effect on Jan. 1, 2026. Specific labor and employment updates include the following topics: Pay Transparency (SB 642) California amended its pay transparency law to...
November 23, 2025
Employer Responsibilities in Winter Weather
Winter weather presents a host of difficulties for employers. Specifically, there are various workplace safety concerns and OSHA requirements to consider. It’s essential to be prepared for all scenarios associated with inclement weather before it arrives and ensure that employees are properly informed of all relevant policies and procedures. Preventing Cold Stress Working in extreme...
October 30, 2025
Preventing and Addressing MIC in Fire Sprinkler Systems
Fire sprinkler systems are a frontline defense against fire-related risks and are critical in protecting people and property. To help ensure these systems are operational, it is essential to be aware of threats that can damage them. One threat, microbiologically influenced corrosion (MIC), is significant but often overlooked. Over time, MIC can compromise the integrity...
October 28, 2025
OSHA Releases Top 10 Violations for 2025
OSHA recently announced its top 10 most frequently cited standards during the 2025 fiscal year using preliminary data. This information is valuable for all businesses as it helps them identify common exposures that affect their workforce. It also gives them the information they need to take proactive safety measures and plan their compliance programs. For...
October 14, 2025
Understanding General Partner Liability Insurance
General partners (GPs) in private capital firms face a distinct set of legal and financial risks. Whether managing a venture capital fund, real estate portfolio or private equity investment, they operate in high-stakes environments where decisions are subject to intense scrutiny. In many cases, liability is not limited to the firm itself; GPs may be...
October 9, 2025
Workers’ Compensation Still the Steadiest of the P&C Lines
Workers’ compensation remains a profit leader across the property and casualty insurance market, with 2025 poised to produce another year of underwriting profits even as net premiums drop, according to a segment report from AM Best. “Workers’ compensation is the key line of business driving the profitability of the whole property and casualty industry, and...
September 16, 2025
National Preparedness Month: Building Resilience Together
September is National Preparedness Month, a timely reminder that preparation is key to protecting our people, businesses, and communities. At CMR Risk & Insurance Services, we know that while no one can predict the future, every organization can take steps to reduce risks and respond effectively when the unexpected happens. Why Preparedness Matters From natural...
September 11, 2025
The Impact of HVLS Fans on Fire Protection
High-volume, low-speed (HVLS) fans are large ceiling fans designed to rotate slowly and efficiently while moving significant amounts of air across vast spaces. They have become increasingly common in various types of commercial buildings, especially warehouses, factories and gymnasiums. HVLS fans differ from traditional ceiling fans due to the extended diameter of their fan blades...