Many employers provide employees company cars. It is either told or assumed by the employee that insurance issues are covered by the employer. But commercial auto insurance policies are different than personal auto insurance policies. How can you en…
It is estimated that organizations lose five percent of revenue to fraud each year, according to the 2022 Association of Certified Fraud Examiners Report to the Nations study. With billions of dollars lost each year, employee fraud is costly. Below …
Home-based businesses are becoming increasingly common, especially with increased access to technology. Running business out of your home can be convenient and full of opportunity. But did you know it also changes the loss exposures and characterist…
We live in an online world, which includes more unanticipated risks that comes with being connected. Cyber risks like ransomware and email “phishing” are just a click away, and they’re not going away anytime soon. Small and medium-sized businesses a…
The size of your business does not impact the need to make safety a top priority for your organization. It could be argued that the smaller the business the more important safety becomes. The average cost for all claims combined for accidents that o…
They are everywhere and chances are you've used one. From changing out a lightbulb to getting on top of a roof, ladders are a common piece of equipment used in almost every home or building and appear to be harmless. But thousands of people are kill…
Some businesses and individuals have a higher loss exposure to lawsuits. This tendency is often referred to as a suability factor. How suable you are can be determined by examining the following:
Those in agriculture know that time means money when it comes to yields, production schedules, and operating costs during the harvest season. However, time can also ensure a safe harvest. Take extra time to perform a specific task safely and p…
The U.S. Consumer Product Safety Commission (CPSC) established guidelines to promote public playground safety. This comprehensive handbook is intended to promote increased safety awareness for anyone purchasing, installing, or maintaining a public p…
Severe weather and natural disasters can be devastating. During the spring and fall seasons, there typically is a trifecta of catastrophe risks: flood, tornadoes and hurricanes. While tornadoes can strike anytime, they are most common from March to …
Winter brings snow, freezing rain, and sleet. Being prepared for winter weather could save you time, money, and unneeded injury. When conditions deteriorate, are you considering your safety during all day on the job site or even regular transitions …