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There's a LOT to know about insurance. So, whether you've got a specific question or just want the 411 on what we do, click around on the articles below.
Behavior-based Safety Explained
It’s critical for safety to be at the forefront of any organization, regardless of size or industry. By upholding a safe work environment, organizations can minimize the risk of costly on-site accidents and employee injuries—boosting staff morale and maximizing productivity.
Commercial Risk Advisor | March 2023
Cybercriminals continue to become more sophisticated, leveraging a wide range of tactics to attack their victims. One tactic that has increased in frequency, complexity and resulting losses over the past few years is the use of business email compromise (BEC) scams.
Mitigating Violence During Food Deliveries
Delivery drivers who transport takeout food to restaurant customers must have direct contact with the public as part of the job. While this is a necessary component of being a delivery driver, it also increases the risk of becoming a victim of violence.
Trucking Risk Advisor | February 2023
On Dec. 16, 2022, the Federal Motor Carrier Safety Administration (FMCSA) announced the Safety Measurement System (SMS) would now include an electronic logging device (ELD) violation. Now, under 49 CFR 395.24(d), the inability of an ELD to transfer ELD records electronically is a violation.
Workers’ Compensation Costs Rise Due to Physician Services
A recent report by the National Council of Compensation Insurance (NCCI) found that physician services, specifically physical medicine, are key drivers of increasing workers’ compensation costs.
OSHA Authorized to Certify Special Visa Applications During Inspections
On Feb. 13, 2023, the OSHA received the authority by memorandum to issue certification in support of applications for U nonimmigrant status and T nonimmigrant status visas. OSHA’s new authority becomes effective March 30, 2023.
Stair Safety in Restaurants
Slips, trips and falls are the most frequently occurring injuries to food service workers. More than 3 million food service workers are injured each year from slips, trips and falls in restaurants across the country, costing the hospitality industry over $2 billion annually, according to the National Floor Safety Institute.
Auto Insights | February 2023
Auto insurance costs are on the rise across the country due to inflation, increased claims and rising repair costs. Personal auto insurance premiums are expected to go up 7% during 2023. Therefore, customers like you are looking for ways to lower their insurance costs.
Bicycle Safety for Food Delivery Workers
When using bicycles to make food deliveries, it’s vital to prioritize your employees’ safety. After all, riding a bicycle on public roads—especially while transporting food—poses unique hazards. Failing to take sufficient precautions could lead to serious injuries or even death.
Personal Lines Insights | February 2023
The majority of Americans experience stress frequently. A 2022 survey found 84% of Americans experienced stress weekly, up from 78% in the previous year.
Home Matters | February 2023
Homeowners insurance is an integral part of financially protecting yourself and your home. However, a recent study of 2,000 Americans found that 45% have had a claim denied due to improper coverage and 65% do not fully understand their policies.
Personal Protective Equipment Considerations for Women
Historically, the construction industry has largely been a male-dominated field. In fact, according to the U.S. Bureau of Labor Statistics, women currently account for just 10.3% of those employed within the sector—a statistic that has been relatively steady for much of the past two decades.
Union Membership Rates Decreased in 2022, BLS Reports
According to the U.S. Bureau of Labor Statics (BLS), the rate of labor union membership decreased from 10.3% in 2021 to 10.1% in 2022. The 2022 unionization rate is the lowest since the BLS started tracking comparable union data in 1983.
House of Worship Insurance Trends for 2023
Over the past few years, the COVID-19 pandemic, international crises and natural disasters have greatly changed the economy and how businesses operate. As 2023 begins, evolving insurance underwriting trends will likely affect many types of organizations, including houses of worship.
Manufacturing Risk Advisor | Frequently Cited OSHA Standards 2022
OSHA keeps records not only of the most frequently cited standards overall but also within particular industries for each fiscal year. Understanding these standards and taking proactive steps to avoid violations can go a long way toward ensuring workplace safety.
OSHA Issues New Penalty Enforcement Guidance
On Jan. 26, 2023, OSHA announced it issued new enforcement guidance making its penalties more effective to stop employers from repeatedly exposing workers to life-threatening hazards or failing to comply with workplace safety and health requirements.
Executive Risk Newsletter | Q1 2023
Directors and officers (D&O) insurance provides corporate directors and officers with coverage for managerial decisions that negatively impact the company. This insurance may generally cover legal fees, settlements, and other costs related to their defense.
Commercial Risk Advisor | January 2023
The number of product recalls reached a 20-year high in the third quarter of 2022, according to the U.S. product recall index released by Sedgwick Claims Services Management Inc. Across the five industries tracked in the index, 1.22 billion product units have been involved in recalls, up from the previous record set in 2018 of 1.20 billion.
Trucking Risk Advisor | January 2023
Federal Motor Carrier Safety Administration (FMCSA) roadside inspections are examinations of commercial motor vehicles (CMVs) and drivers by Motor Carrier Safety Assistance Program (MCSAP) inspectors. MCSAP inspectors conduct roadside inspections to ensure compliance with the Federal Motor Carrier Safety Regulations and Hazardous Materials Regulations.
Safety Focus | January 2023
Quick and efficient snow removal is essential at any workplace, as snow buildup can present hazards to employees, drivers and pedestrians. That’s where snowplows can help. Yet, this equipment carries safety risks of its own.