What is a cripple wall, and why should I brace it?

Cripple walls are short walls, typically between the foundation and the first floor that provide crawlspace access under the house. They are often weak against the type of lateral movement typical of earthquakes unless they are braced and anchored. The above video demonstrates the process of retrofitting cripple walls, which is easier and more affordable than you might think.

Is your website ADA compliant?

If you do business on the internet (don't we all?) you are required to make your website ADA compliant. For people with physical or visual impairment, can experience significant difficulty navigating and using websites that have not implemented Accessibility best practices. Accessibility best practices are generally sound design principles, so improving your website for the disabled improves the site for everyone. Further, we are starting to see more ADA lawsuits against businesses that ignore these requirements. 

Making your website accessible today means you can make life easier for the disabled, improve your website and reduce your liability.

More information
W3C Accessibility Standards

AmWINS - Is Your Insured’s Website Compliant with the Americans with Disabilities Act?

Webaim Accessibility Testing Tool

Who needs THAT much liability coverage?!

Large Sample Liability Claims


Sometimes People can't imagine why they might need tens of millions of dollars in excess liability coverage.
This May spur their imagination.


Claim Description Damages
Uncovered pool drain’s vortex held child underwater $104 million
Multiple injuries and fatalities in collapse of parking garage $101 million
Unsupervised infant fell into pool with broken gate $100 million
Fatalities in a bus accident caused by insufficient lubrication of an axle $88 million
10,000 lbs scaffolding fell with multiple fatalities $77 million
Hotel guest privacy violated $55 million
Multiple fatalities in auto accident caused by separated tire tread $64 million
Steakhouse served free alcohol at opening leading to dram shop liability $60 million
Shooting at a restaurant resulting in paralysis $59 million
Security guard severely injured plaintiff $58 million
Restaurant alleged lack of security resulted in patron being beaten to death $53 million
Gas water heater exploded resulting in a fatality $50 million
Intoxicated employee shot Police Officer resulting in a fatality $38 million
Auto accident resulted in multiple injuries and fatalities $36 million
Apartment floor collapsed resulting in multiple injuries $25 million
Carbon-monoxide poisoning in apartment caused serious injury $28 million
Sexual assault by resident $20 million
Defective heater caused fire and multiple fatalities $18 million

Kari's Law

Last year, Texas passed Kari's Law, which requires multi-line phone systems be configured to allow a user to dial 911 without requiring any extra key presses. The law was inspired by the murder of Kari Hunt, whose husband stabbed her to death in a motel. During the murder, their child tried to call 911, but was not aware that the motel phone system required her to dial a 9 first. A similar national bill has been passed by the house, and will likely soon become law. If this bill is passed, any business that operates a multi-line telephone system will be required to configure that system to allow direct 911 access, or to replace existing systems if they cannot be configured to do so.