Understanding OSHA Illness & Injury Recordkeeping Requirements

In 2003, the most current statistics available, occupational injury and illness rates declined once more to 5.0 cases per 100 workers, thanks in great part to continuing efforts by OSHA to identify and correct hazards in the workplace.  OSHA is able to recognize workplace hazards by thoroughly tracking workplace injuries, illnesses and deaths.  Stringent requirements […]

Read More

New Pool = Check Insurance Coverage

You’re having a new pool installed in your backyard, and you can’t wait to dive into a summer of swimming fun.  Of course, you may be so busy buying water wings, noodles and floats that you forgot to take care of one very important detail: your insurance. Now is the time to take a close […]

Read More

Employee Drug Testing: Effective Tool Despite Legal Pitfalls

Drugs and the workplace are clearly a negative combination.  Employers may not only be liable for the negligence of an employee under the influence of drugs but also for negligently hiring an employee with a history of abusing drugs.  Lowered productivity and higher absenteeism are just a few more reasons employers want to keep drugs […]

Read More

Is Your Home Protected Against Devastating Flooding?

Don’t wait until the weather forecast calls for prolonged heavy rains before buying flood insurance. While this practical insurance can be purchased anytime, the policy does not take effect for 30 days. As the most common natural disaster in the country, flooding ruins millions of dollars of homes and property every year. Even so, flooding […]

Read More

Safety Incentive Programs -Do They Really Work?

The practice of rewarding or paying employees for not having workplace accidents is controversial.  With hopes of reducing costly workers’ compensation claims and improving the safety culture of their organization, companies are increasingly implementing safety incentive programs. Professionals who support safety incentives believe they can be a healthy component of an existing safety program, to […]

Read More

Make Certain to Insure the Finer Things in Life

Do you own high value insurables such as coin collections, jewelry, furs, and collectibles? If so, it may be wise to develop a well-thought out strategy regarding the risk of loss or damage to the finer things in your home.  Most homeowner’s policies limit the amount of coverage for luxury items, and an additional specialized […]

Read More

Understanding Enterprise Risk Management as an Approach to Manage and Capitalize on Risks

The concept of Enterprise Risk Management (ERM) has received increased attention in recent years as a fundamental shift in the way companies approach risk.  ERM is an all-encompassing approach to risk management and this can often make implementing ERM seem overwhelming.   To make the process more palatable, the Commission of Sponsoring Organizations of the Treadway […]

Read More

Why Condo Owners Need Insurance

If you own a condominium, you may think you don’t need insurance protection. Think again. Although your condominium association offers a “master” insurance policy that covers the building and commonly owned property, this insurance probably does not protect your upgrades, furnishings and other belongings. That means if a burglar breaks into your condo, a fire […]

Read More

Start a Safety Committee to Increase the Effectiveness of Your Safety Program

If employees don’t feel involved and represented in their company’s safety program, it is unlikely the program will be successful.  A workplace safety committee is a tool that, if created and conducted properly, can increase the effectiveness of a safety program by: Providing structure and assigning responsibility for carrying out a workplace safety program; Enhancing […]

Read More

After the Accident – Working with the At-Fault Driver’s Insurer

You have just emerged from a car accident, but the good news is that you are not at fault. Now comes the task of successfully dealing with the other driver’s insurance company. In order to begin, you must collect certain details at the site of the accident from the at-fault driver: their name, address and […]

Read More