Lockton Affinity, LLC – Lockton Affinity

About Lockton Affinity, LLC

Lockton Affinity, an affiliate of Lockton Companies, was formed in 1987 to meet the dynamic, specialized insurance needs of affinity groups, non-profits, associations and franchises.

Employment Practices Claims and Restaurants

Employment practices refers to the part of your business that deals with hiring, firing and everyday workplace interactions. Employment practices liability claims alleging workplace discrimination or sexual harassment are increasingly common.

In fact, the restaurant industry experiences more claims of misconduct than any other, according to the Harvard Business Review. With as many as 90% of some workers

April 23rd, 2021|Small Business|

Common Pest Infestations and Prevention

Unwanted pests are a common problem for facilities, where insects, rodents and other small animals seek easy access to food, water and shelter. With warmer weather returning, pests may become a problem at your organization.

These pests can be a problem for your organization in more ways than one. Some pests carry diseases which can cause illness to members, guests and volunteers. Others

April 23rd, 2021|Non-Profit, Small Business|

Gap Insurance

If your fleet vehicle is totaled or stolen, most insurance will prepare a settlement payment based on the actual cash value (ACV) of the vehicle. In most cases, this regular coverage is enough to cover your loss. But if your fleet vehicle was a newly financed or leased vehicle, you could end up underwater—owing more on a vehicle than your insurance can

April 23rd, 2021|Franchise, Small Business|

Creating a Safe Driving Program for Your Company Vehicles and Drivers

If your business offers delivery, pickup or in-home services, your business faces certain risks that other franchises don’t. Having employees that drive for work and company vehicles that need to be serviced and maintained increases your exposure to accidents, claims and liability lawsuits.

One of the ways you can manage this risk exposure is by creating a safe driving program for your company

March 4th, 2021|Franchise, Small Business|

The Importance of Multi-Factor Authentication and Strong Passwords

The importance of multi-factor authentication and password security is critical. Often, it is your best line of defense for protecting all your data, devices and systems from unauthorized access. Unfortunately, many don’t take password security seriously, which makes them especially vulnerable to hackers.

Good password security can help protect you from data breaches, network intrusions, malware and viruses. It can also minimize your

February 24th, 2021|Financial, Legal, Non-Profit, Small Business|

Take the Stress out of Cold Stress

Working outdoors can be just as tough on the body during the winter as it is during the summer. While hot weather carries the risk of heat stroke, winter weather can result in cold stress. Cold stress is a condition that occurs when a person’s body can no longer maintain its normal temperature, resulting in serious injuries such as permanent tissue damage

February 10th, 2021|Uncategorized|

An Insurance Market Update for Food and Beverage Clients

To say things have changed over the last year is a bit of an understatement—change has swept through every industry, including insurance. Many food and beverage clients have been asked to do the impossible—and succeeded, continuing to stay afloat in an often ambiguous and shifting environment.

As a business owner, your focus continues to be your business, ensuring its future and minimizing any

January 25th, 2021|Franchise, Small Business|

5 Actionable Ways to Reduce Inventory Damage

Managing inventory comes with many challenges, including how to reduce inventory damage. Damage to inventory can occur at any point in your processes. Some products are damaged at the time of receiving, others are damaged during handling and storage and some are damaged during shipping. All damages can impact your bottom line, so it’s important to control for this risk.

In many cases,

January 25th, 2021|Franchise, Small Business|

Increasing Cyber Attacks against Small Businesses

Cyber attacks against small businesses are increasing each year. Whether you are answering email, storing data files or running a website, your small business faces risks from doing business online.

Most recently, hackers have been focused on stealing money directly from small businesses. Some cyber criminals are using tricks to commit cyber fraud and drain your bank account. Others are using schemes to

January 25th, 2021|Small Business|

Winter Weather and Tires

Winter weather can have a significant impact on your business operations. You not only have to think about accidents and injuries, but also critical downtime. Every year, it’s estimated that trucking companies lose more than 32 billion vehicle hours and $3 billion in revenue due to weather delays. For any business that needs to be on

December 18th, 2020|Small Business|