Insurance Doesn't Have to be Scary

Here at Apogee Insurance Group, we take insurance very seriously, but we definitely know how to have a good time too. Today we celebrated Halloween with a company wide costume contest. Continue reading to see some of our costumes and learn how Apogee can help you! We are here to assist you in covering your professional liability risks. You could say our account managers are “Top Guns.” And for them, the sky is the limit.  Any...

Read More

Apogee Insurance: Dedicated to Continuing Education

For many, September signifies back to school season. From grade-school children to college students, many are getting back to the classrooms, hitting the books, and resuming the task of expanding their knowledge. Here at Apogee Insurance Group, there is no summer break from learning. We are dedicated to continually expanding our knowledge and expertise in the insurance industry to better serve our customers. Every member of the Apogee team is...

Read More

The Increasing Threat of a Data Breach

            We all remember what happened to Target last year when hackers broke into their computer systems and stole valuable information from millions of customers. This information included credit and debit card information as well as names, mailing information and passwords. The company has lost hundreds of millions of dollars, with a $148 million loss in the last quarter alone. Target has, and continues,...

Read More

The Coverage Many Pharmacies Don't Know they Need: Allied Health and Data Breach

300,000 pharmacists employed in the USA face immense amounts of risk everyday. While handling and giving advice regarding medications, pharmacists hold the vitality of their customers lives in their hands. Given the state of today’s litigious society and the long, difficult hours many pharmacists work, mistakes are occasionally going to happen and lawsuits are bound to occur. It is imperative that pharmacists get the best coverage available to...

Read More

Community Association Directors and Officers Infographic

Today's spotlight in on Community Association D&O. At Apogee, we can provide directors and officers of community associations with the coverage they need to protect their personal assets from the risk associated with their highly public positions, including access to unique features such as Lifetime Occurrence Reporting Provisions. We can also quote EPLI with D&O and crime coverage for community associations. Learn More Here Apply...

Read More

Understanding Fair Labor Coverage

The Fair Labor Standards Act, often referred to as FLSA or the Wage and Hours Bill, has been the backbone of ethical employment in the United States for decades. First introduced in 1938, FLSA has traveled a long road of amendments and scrutiny in becoming what it is today.  Generally, employers who produce $500,000 or more in gross sales are subject to FLSA requirements on minimum wage, hours, overtime and working with children. If you fall...

Read More

Commercial Pollution Coverage: Could your Local Dry Cleaner be in Trouble?

Commercial Pollution Coverage for dry-cleaners is one of the largest untapped markets for insurance agencies across the country. A business that is universal to all communities, thousands of dry cleaners operate daily without Commercial Pollution Coverage and are thus leaving themselves exposed to huge risks. Are your local dry cleaners covered? Would they be able to afford a multi-million dollar claim from a simple environmental mistake? To understand...

Read More

Understanding Real Estate Errors and Omissions

A real estate purchase or sale is one of the single most important financial decisions an individual can make. Not only does this decision have significant impact on financial health, it also sets gears in motion for numerous subsequent decisions and opportunities related to quality of life. Most individuals who look to purchase real estate realize the implications of their decision on all aspects of their life. As so, most individuals look to outside...

Read More

Small Business: The backbone of your company, made easy

In the United States, small business employs over half of the country's workforce. While many people think that the industrial giants drive our economy, its small business that's really top dog. Small business in America is the stabilizer of our economy. Entrepreneurs are the backbone of creativity and production. Small business is what stimulates economic growth. With over 60% of all private sectors, non-farm jobs coming from small business,...

Read More

Medical Spas: Lasers, Botox and Plenty of Risk

 Medical spas have been proliferating across the country. These day spa-medical clinic hybrids locations seek to treat conditions that cannot be effectively treated by traditional estheticians. Under the supervision of a medical doctor, patients can receive a range of treatments including laser hair removal, Botox, aggressive chemical peels, acupuncture and skin grafts. While these services can offer improved quality of life and stress reduction...

Read More

Celebrate Architecture Week with A&E Coverage

Did you know that April 6-12th is National Architecture Week? It is celebrated every year over the birthday week of our nation’s first president architect, Thomas Jefferson. We're ready to celebrate at Apogee! The goal of National Architecture Week (NAW) is to create awareness and bring attention to the important role that architects play in positive change for our communities. Through the week, award-winning architects will share personal stories...

Read More

Spotlight on Data Breach

In 2013 alone, Americans reported 47,000 data breach incidents totaling a staggering 44 million compromised records. As technology explodes, so does our exposure to technology related claims. Information is everywhere we look and more accessible than ever. Exposures never used to exist are now at the forefront of many companies’ liabilities. Apply for Technology E&O Here Send Applications Here The business functions that are most at risk...

Read More

What you Need to Know about Technology E&O

One of the biggest fundamental errors a firm can make is assuming that their programming, systems installation, hardware maintenance or technology consulting is covered by their General Liability policy. When data, especially that containing personal information, becomes involved, firms become exposed to a plethora of new risk exposures. Allegations of copyright infringement, transmission of a virus, or unauthorized access to a client’s system due...

Read More

The Truth About Employment Practices Liability

Did you know 3 out of 5 employers are sued by former employees? From 2001 to 2011, the occurrence of EPL discrimination cases nationwide rose 123%. Private companies are more likely to have an Employment Practices claim rather than a General Liability or property claim.  For reference, a company with $1 million in sales and 50 employees can get an EPLI policy for about $7,000 a year. One of the most common mistakes small companies make is...

Read More

Directors and Officers Liability Coverage: No Longer a Non Profit Luxury

Less than half of America’s 2.3 million nonprofit organizations have the proper liability insurance coverage. With such tight budget restraints and socially desirable goals, many nonprofit board members dismiss director and officers coverage as an unnecessary investment; who would really sue the directors of a nonprofit? How do we define a nonprofit? Apply for Nonprofit D&O Here Send Completed Applications Here   In...

Read More