Frequency, Severity and Your Commercial Auto Insurance Premiums
Auto insurance rates are based on several factors, frequency and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type, and deductibles. This means that while your company’s inherent level of risk is a factor that affects the premium you will pay for auto insurance, that amount […]
The Dangers of Worker Fatigue: How Employers Can Promote Safety and Prevent Impairment
Take the proper measures to avoid worker impairment within the workplace. According to the Centers for Disease Control and Prevention (CDC), nearly 15 million Americans work irregular schedules, including full-time evening shifts, night shifts, and rotating shifts. These shifts have been associated with safety and health risks, and certain jobs are at higher risk. It […]
Save Money on Energy in Your Household
According to the National Energy Assistance Directors Association, energy costs will reach a decade-long high this winter. Heating costs are predicted to rise 28% for U.S. households relying on natural gas and 27% for those using heating oil. Electricity costs are also anticipated to increase 10% per the U.S. Energy Department. Read on for tips […]
Staying Healthy in Winter
The winter months are notorious for bringing sickness. Flu season begins in October and ramps up into December. Colds are also more common during the winter months. Read on for tips on keeping yourself and your family healthy this winter. Why Are Sicknesses More Common in Winter? Viruses transmit more effectively in cold and dry […]
Commercial Property Fire Coverage
A fire in your workplace can be extremely costly; in addition to the costs associated with fixing the damages, there is also a good chance that your day-to-day business activities will be interrupted during the repairs. To avoid potential expenses related to workplace fires, it is important that you have adequate fire coverage, which is […]
6 Tips for Adding a Teen to Your Auto Policy
If your teen is approaching driving age, it may be time to start thinking about adding them to your auto insurance policy. Although this will likely increase your insurance premiums, it is typically cheaper than having your teen purchase an auto policy in their own name. Here are six tips to consider when adding a […]
The Secret Weapon for Higher Employee Engagement: Purpose
How the Pursuit of Purpose Drives Productivity Did you know that feeling connected to a sense of purpose is the largest contributor to overall employee wellbeing? Only a fraction of the U.S. Labor market reports that they would use career and purpose interchangeably. Many employees do not feel their job is meaningful; instead, they view […]
What to Know About This Year’s Flu Season
Influenza (flu) season lasts from October through May in the United States, with peak flu activity happening between December and March. The country’s flu activity has been unusual since the COVID-19 pandemic began, which could pose consequences for the upcoming season. Furthermore, flu season in the Southern Hemisphere may indicate what’s to come in the […]
Creating a Cybersecurity Culture
Employees are an organization’s first line of defense against cybercriminals. For this reason, they are also commonly targeted. In fact, the vast majority (88%) of data breaches are caused by employee mistakes, according to Stanford University. Unfortunately for organizations, a single mistake can result in costly losses, reputational damage and lost or stolen data. In […]
How to Prevent Catalytic Converter Theft
A catalytic converter is a device found in vehicles’ exhaust systems that converts environmentally hazardous exhaust into less harmful gasses. Though catalytic converters have been installed in every new vehicle since 1975, theft of these devices has skyrocketed in recent years due to the highly valuable precious metals they contain. This article discusses why catalytic […]
5 Excellent Benefits to Offer Employees in 2023
Cutting-edge benefits offerings that show your business is willing to go the extra mile. The Great Resignation has continued for far longer than many had anticipated, with approximately 4 million Americans continuing to leave their jobs each month since April of 2021. This trend has persisted even during the shaky economy of 2022, with the […]
Disability Income Insurance
Disability income insurance helps you to ease the financial difficulty associated with a serious illness or injury that keeps you from working. The Basics of Disability Income Insurance Your most valuable asset is your ability to earn an income. Disability income insurance is designed to complement health insurance. It provides financial peace of mind for […]
The Supply Chain Crisis and Business Resilience
The COVID-19 pandemic spurred a supply chain crisis as businesses were forced to halt operations to slow the spread of the virus and prioritize employee health and safety measures. In addition, consumer demand increased more than 15% compared to two years ago, according to Bloomberg News. As business operations begin to normalize, the exploding consumer […]
Keep Pests Out of Your House This Fall
As fall brings colder temperatures, the warm interior of your home can provide shelter, breeding spaces and access to nourishment for household pests. Any pest invasion—whether it’s flies, rodents, squirrels, wasps, ants or various bugs—can cause property damage and pose serious health and safety hazards for any homeowner. Use these tips to keep pests out […]
Combating Inflation With a Holistic Total Rewards Strategy
On June 23, the Federal Reserve Chairman announced that inflation had reached a forty-year high in February, intensified by supply chain issues and increased consumer demand. Subsequently, the Consumer Price Index (CPI) was 6.4% higher in February 2022 than the prior year. Gas prices are up a soaring 48%, housing 14% and groceries 10% in […]
Health Care Power of Attorney
Unlike a living will, which is usually reserved for terminally ill individuals, a health care power of attorney identifies the person who will make decisions on your behalf and carry out your wishes if you are incapacitated. Here are some things to consider when creating a health care power of attorney to manage your medical […]
Navigating Material Challenges in the Construction Industry
Throughout the past year, material prices across the construction sector have soared, negatively impacting both contractors and their clients. These rising costs have resulted from a combination of continued supply chain shortages and surging demand amid the ongoing COVID-19 pandemic. According to recent research from Associated General Contractors of America, material expenses are currently sitting […]
Five Key Considerations for the Future of the Workplace
It has been dubbed by many as – The Great Resignation, The Great Reshuffle, The Big Quit, or The Turnover Tsunami, but what does it really mean to your organization? The pandemic forced a sudden and immediate shift into remote work. However, the workforce is on the brink of another disruptor – the move to […]
988: America’s First Three-digit Mental Health Crisis Line
The 988 Suicide and Crisis Lifeline (Lifeline) launched nationwide on July 16. Similar to dialing 911 for medical emergencies, people in emotional distress or suicidal crisis can call or text 988 and be connected immediately to trained counselors who will listen, provide support and connect people to resources if necessary. The three-digit dialing code is […]
Protecting Construction Workers From Heat-related Illnesses
As summer approaches and temperatures rise, construction employers must safeguard their employees against heat-related hazards. After all, workers who spend extended periods of time in hot or humid environments are at greater risk of experiencing heat-related illnesses, such as heat cramps, heat exhaustion and heatstroke. Here’s a breakdown of these illnesses: If their employees are […]
Preparing for a Summer Vacation
When preparing to leave for a vacation, it’s easy to overlook basic home safety precautions. To protect your residence while you’re away and enjoy a worry-free trip, keep in mind the following tips: Insurance Considerations Taking the proper precautions before you go on vacation can make all the difference when it comes to preventing damage […]
The Benefits of Seasonal Produce
In today’s supermarket, it’s normal to see the same produce available year-round. However, that doesn’t mean the quality always remains the same. Eating seasonally means you are simply taking advantage of the harvest schedule and enjoying fully mature produce at the peak of its growing season. Seasonal eating can also help encourage you to eat […]
Benefits of Commercial Auto Insurance
When it comes to running a business, vehicles-whether they’re leased, rented or owned—are crucial for a variety of tasks. Whether transporting materials and tools to worksites, hauling goods for deliveries or driving to meet clients—companies of all kinds rely on safe and functioning vehicles to serve customers and generate profit. It is important to protect […]
Exercise Without Injury
Did You Know? According to the Mayo Foundation for Medical Education and Research, exercise can improve your mood, fight chronic diseases, help manage your weight— the list goes on and on. To get the most from your regular workouts and decrease your risk of injury, you must warm-up, cool down and stretch. Warm-up Tips: Cool […]