Many small businesses and other organizations furnish company owned vehicles for transportation needs including trucks, vans, buses and automobiles. However, it is not uncommon for staff and volunteers to drive their own personal vehicles for business-related transportation. It is important to recognize that your business can be held liable for damages by allowing the use of …
Public rewards for DUI reporting is questionable. Good citizenship requires the reporting of DUI’s. It is the right thing to do for public safety. There is no need for a monetary reward. Nevertheless, Florida’s Palm Beach County provides rewards of $100 to people who report drunk drivers to local police.
Slip and fall is the #1 liability claim from a frequency and severity standpoint. Numerous factors can contribute to these types of injuries, including inadequate lighting, missing or damaged handrails, poor maintenance/condition, slippery conditions, loose floor coverings, irregular design of stairs and housekeeping. The following guidelines will help reduce your chances of slips and falls …
Are you buying a fair amount of goods or services online and sometimes wish to leave a negative review? Do you always read the ToS fine print? Have you heard of a so called “disparagement clause”? If you own a business and are exposed to online reviews think twice before adding disparagement clause to your …
Operation of a commercial grade kitchen, many safety considerations should be addressed, including food safety, employee and volunteer safety, and fire safety. This blog post addresses the specific issues associated with providing adequate fire safety for your kitchen. Commercial cooking operations are defined as kitchens that have cooking equipment that produce grease and grease laden …
Questionable insurance claims rose by 38 percent in TX from 2010 through 2012, the National Insurance Crime Bureau (NICB) reports. Questionable claims (hereby referred as QC) are those claims that NICB member insurance companies refer to NICB for closer review and investigation based on one or more indicators of possible fraud. A single claim may …
If a Fortune 500 company like TARGET can be hacked, what makes you think the average small business won’t be? It is a fact that Data Breaches are on the rise. A data breach is a loss, theft, accidental release or accidental publication of Personally Identifiable Information (PII) including name, SSN, and bank and credit …
U.S. property/casualty insurers’ and brokers’ operating earnings are expected to modestly improve in 2014, and the overall insurance rate increases will “probably moderate into 2015,” said investment and research firm Keefe, Bruyette & Woods (KBW) in its new report. According to the report, the returns are no longer either poor enough to sustain the recent …
The holidays are meant to be a time for fun and celebration with family and friends. However, the hectic pace of the holidays can also present increased risks, such as overcrowded stores and greater opportunities for thieves to target your valuables and personal information. Here are five simple tips to help you have a safe …
According to Underwriters Laboratories (UL): “Fire statistics show that one out of every three candle fires occurred when candles were left unattended or were inadequately controlled. One out of four fires occurred when a combustible material, such as curtains or a pillow, came too close to the candle.” As part of your organization’s risk management program, the …