Did You Know?
Snowmen, snow angels and snowball fights are fun activities for children and the young at heart. But being outside in cold temperatures can have an adverse effect on your health if you are not careful. Frostbite is a common ailment for those who have prolonged exposure to cold temperatures and low wind chill factors.
Though everyone is at risk of developing frostbite when outside in winter, some are more susceptible than others. In fact, children, the elderly,...
Continuity is critical in business, and there are few things more important than continuous revenue and cash flow, particularly for small to medium-sized organizations. In fact, just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures.
That’s where business interruption insurance can help. This form of coverage provides protection against a variety of common interruptions, including natural...
Quiet Vehicles Pose a Risk to Unaware Pedestrians
Electric cars from Tesla, Nissan and other automakers continue to make headlines, but anyone who’s had one sneak up behind them while on foot knows how quiet they are. These vehicles, along with hybrid cars, run much more quietly than gas-powered cars and can pose a serious risk to unaware pedestrians.
Starting in 2019, a new law will require electric and hybrid vehicles to emit alert sounds whenever they’re traveling at or...
Did You Know?
Making children smile with a new toy brings a lot of joy to parents and relatives during the holidays, on their birthdays and those “just because” occasions. Although toys are designed for play, not all of them are safe for children depending on their ages and developmental progression.
The U.S. Consumer Product Safety Commission requires toy manufacturers to meet specific safety standards and label products according to these specifications.
Business owners have a lot to consider when choosing insurance that fully protects their business. One coverage option, a business owners policy (BOP), can take the guesswork out of the process. A BOP bundles several types of coverage in one package, similar to the way a homeowners policy works, but is designed for small and midsized businesses.
BOP Key Features
A BOP generally combines the following types of coverage in one convenient bundle:
Did You Know?
The largest source of fire in American homes comes from fuel burning appliances. The main causes of fire include inadequate clearance between the wood burner and walls, floors and furniture; creosote buildup in the chimney; poorly or improperly installed chimneys and improper installation of the wood burner itself.
Use these tips to safely use your wood burning stove:
- Read the instructions for your wood burning stove and follow them carefully.
10 Ways to Prepare for a Successful Wellbeing Program
Open enrollment season is a busy time for many of us in the employee benefits field. The best advice we have for helping to make open enrollment season easier is to begin planning and communicating early, especially when evaluating or implementing an employee wellbeing program.
If you plan to offer an employee wellbeing program in 2019, we recommend spending the weeks prior to open enrollment preparing. Here’s a list of 10...
You may feel that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that nearly every business is eventually victimized by fraud or theft. In this day and age, thieves (and potentially your employees) do not need direct access to cash to steal from you—merchandise, supplies and securities are all fair game.
The following examples represent common business thefts, specifically by employees:
Did you Know?
Being a defensive driver means driving to prevent accidents in spite of the actions of others or the presence of adverse driving conditions. In other words, defensive driving means that you are ready for any and all surprises on the road.
To avoid accidents by practicing defensive driving, follow a three-step process of seeing hazards, understanding potential defenses and acting in time.
- See the Hazard: Think about what may happen as...
Communication is key to a successful open enrollment.
Each year, most employers will hold an event referred to as “open enrollment.” Open enrollment is a scheduled period of time prior to the start of the company’s new Employee Benefits Plan Year. During open enrollment, employees can make changes to their benefits elections without the requirement of a qualifying event (i.e.: marriage, divorce, birth of a child). Open enrollment can be an extremely positive and rewarding experience...