Workplace-sponsored holiday parties present a host of liabilities for organizations each year. Factors like choice of venue and employees’ religious affiliations can create friction even before alcohol is thrown into the mix. Is your organization planning festive parties? Make sure you are protected for any...
In a business climate driven by results, shipping terms can be an afterthought of a sale. However, this can affect your bottom line, as assuming additional risk increases your potential for loss. As a business it is important to understand when risk transfers during shipping. Shipping...
Insurance carriers realize that offering additional lines of coverage to an existing customer is less expensive than trying to attract new customers. They also know that the more lines a given customer has, the longer they’re likely to stay with them. While bundling policies is...
While preparing your Thanksgiving turkey in a turkey fryer can be a timeless tradition, it’s important to keep cooking safety measures in mind to protect yourself, your guests, and your home. After all, the U.S. Fire Administration states that Thanksgiving is the peak day for...
Have you discussed defensive driving with your family or employees? The formula for defensive driving is to see the hazard, understand the defense, and act in time. Why is Defensive Driving Important? Understanding and effectively applying this formula prevents accidents in spite of the actions of other...
Event organizers must shoulder a significant burden—they have prime responsibility for ensuring overall health and safety at their events. That means they are culpable for any event-related health and safety failings. Corporate event planning isn't always easy. This weighty responsibility can wear down those not prepared...
The employee onboarding process is crucial for retaining employees after the first 90 days. During the first three months at a job, about 1 in 3 workers would leave it without having another job lined up, according to recruiting firm Jobvite. However, an effective onboarding process...
If someone were to ask you what your coverage is under your auto insurance policy, would you be able to tell them? Like most of us, you would probably have a hard time confidently answering that question. Interpreting the various types of coverage offered under...
A safe, efficient and orderly warehouse is crucial to business success. Warehouses are like the heart of a business—they are the central transfer point, storing and sending raw materials or manufactured goods onward to distribution, thereby keeping the pulse of the business beating. Many business...
It's no secret that Mental health is a growing concern in the workplace. While employers pursue various ways to support employees struggling with mental health issues, it’s important that they be aware of and offer appropriate leave under the Family and Medical Leave Act (FMLA)....
Most health insurance plans provide for in-hospital care, doctor visits, and preventive health care needs. But they may not cover many other health-related needs of older adults, such as long-term care, which is also not covered by Medicare. So, who needs long-term care insurance? Long-term care...
The rewards of employee incentive programs were once reserved for sales professionals, piece workers and top executives. However, things have changed in recent years. Today, larger corporations and smaller companies with available resources are offering incentive programs to reward their employees. These programs show appreciation for...
Halloween celebrations can come with a range of fun activities and lead to lasting memories for your children. However, these festivities can also carry serious safety risks. That’s why it’s important to have precautions in place to protect your kids from the risk of Halloween-related...
What is your commercial building coverage? Most commercial properties use a form of insurance known as “specific coverage,” in which a specific property has protection for a certain risk, such as fires, floods, thefts and more. However, specific coverage is also somewhat limitable; oftentimes one...
Rising premiums may leave you wondering what you can you do to save money on auto insurance. We discuss a few reasons why prices are rising in this blog. While you can’t control all of the factors influencing your premiums, there are a number of...
Restaurants provide a multitude of slip, trip and fall hazards, whether it be from spilled liquids, high customer traffic or other means in our kitchen, dining areas and storage rooms. We can all play a part to prevent these hazards from causing injuries to anyone....
As a religious organization, there are services you provide to members that can open you up to significant risk. These risks are related to abuse allegations, ministerial counseling, premise liabilities, vehicle accidents, and privacy and employment issues. Among other risks, these are key liability concerns...
As a religious organization, inviting members or visitors to your property presents a risk. From Sunday services to school, camps, weddings, and more, there are a lot of different and wonderful reasons you open your doors to the community. Even so, when people walk the...
Religious organizations are at risk for abuse allegations when working with vulnerable adults, seniors and children. So how can you protect both your organization and the people it serves? With safety and security preventions. It’s important that your organization ensures there are adequate policies in place...
Mistakes in employee benefits and human resources can be quite costly to employers—in the form of extra benefits, complaints, lawsuits, government-assessed fines and penalties, and attorney fees, to name a few. Don’t learn the hard way what these mistakes are. 1. Not timely depositing employee contributions...
