It's a nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely damaging most of the front end and irreparably damaging the frame - essentially totaling the vehicle.

Luckily nobody was injured, but will insurance cover the total loss? Are you expecting the insurer to pay off the loan? That may not always be the case.
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Many businesses that produce some type of pollutant throughout the course of daily operations don't know they are doing so.

Those businesses that know they are producing pollutants have processes and safeguards in place to reduce their release into the environment. However, it’s important to understand that a business can be held liable for some very costly damages when these byproducts pollute another property or harm another individual.
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People often worry about fires damaging their homes and commercial buildings. While fires are dangerous and can cause extensive damage to property, they are rare compared to another element that is in the home or building every minute of every day: Water. 
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In October and November of 2011, floods inundated large parts of central Thailand, including thousands of factories that made everything from automotive parts and hard disk drives to eyeglass lenses and air conditioners. In addition to the human and economic cost in Thailand, the disaster affected businesses around the world.
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Falls from portable ladders (step, straight, combination and extension) are one of the leading causes of occupational fatalities and injuries. OSHA has 16 tips for staying safe when using a portable ladder.

Parts of the Midwest have been experiencing record flooding, caused by rains and the melting snow that fell in the winter. 
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Over the past few years, more accidents have been attributed to smartphone use while driving. This, along with the higher cost of repairs, has led to double-digit increases in commercial auto insurance rates.

Distracted driving has led to sustained commercial auto premium increases for businesses of all sizes – from those with a few vehicles and drivers to those with large fleets. However, there are now several new factors that will play a part in ensuring rates continue to climb, at least in the near term.
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​As winter starts subsiding, the harsh elements of the season can do serious damage to roadway surfaces, mostly in the form of potholes.
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A new report highlights the risks to commercial real estate owners from natural catastrophes and climate-related disasters, which are happening with increasing frequency.

The report by Heitman LLC, a global real estate company, in conjunction with the Urban Land Institute, found that the increasing risks from catastrophes are bringing new challenges to commercial property owners in terms of risk mitigation and securing appropriate property coverage, which may become more difficult in the future. 
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Our thoughts go out to everyone during this difficult time of flooding. Flooding dangers do not end when the water begins to recede; in fact, sometimes the work has just begun. This infographic offers some tips to keep you safe. LMC Insurance & Risk Management is here to help and support you every step of the way.