January 2014

Achieving Risk Management Excellence

2014 Risk Management ExcellenceAs we are advancing in 2014, it is a good time to pause for a minute and evaluate the effectiveness of our programs. With the myriad of tasks that comprise the risk management function, contract review and insurance certificate monitoring are often a large consumer of time and resources. Be on the cutting edge and take a diligent yet pragmatic approach to balancing compliance enforcement with the resources available to monitor it.

First, don’t outsource the certificate management to a 3rd party. We have been dealing with multiple companies like Compliance Depot and it is usually a quite negative experience: sometimes I feel like there is a robot sitting on the other side of the line and follows very strict but obsolete rules. In my opinion, you won’t gain much by paying for such services. Instead, some organizations can go decades without ever tendering a liability claim to a contractor’s insurer. Given these statistics, justifying certificate monitoring costs can be daunting. Though, the cost of such a claim, if it were to happen, can be tremendous and could instantaneously justify the expenditures. How can you deal with this challenge?Read More »Achieving Risk Management Excellence

California Lawmakers Approve School Planning For Abuse and Safety

The California state Assembly has approved two bills that would require school districts to make detailed plans for reporting child abuse and prepare for violent incidents on campus.

AB135 by Democratic Assemblywoman Joan Buchanan of Alamo requires school districts to write a child abuse reporting policy that reflects current law and inform staff about it. Buchanan says abuse was reported to administrators at a So. Cal. elementary school where a teacher was charged with 23 counts of lewd conduct with students but was never reported to police. It passed Monday on a 74-0 vote.Read More »California Lawmakers Approve School Planning For Abuse and Safety

Insurance for Pest Control Services Industry

Are you looking for Insurance for Pest Control Services company?
We understand how to provide a flexible and comprehensive insurance program for risks all across the United States.

Benefits Include:

  • General Liability including Exterminators Liability – Care, Custody,  and Control coverage:
    • E&O Liability – including coverage for financial loss
    • Animal Mortality coverage
    • Jobsite Pollution coverage
    • Sudden and Accidental Pollution Coverage
    • Auto Hazard Pollution Liability Coverage
    • Exterminators Liability: Care, Custody and Control Coverage
    • Pest Inspection Damage Liability Coverage
    • Lost Key Coverage
    • Blanket Additional Insured Coverage
    • Broad Form Comprehensive General Liability Coverage
  • Property
    • Building and Business Personal Property coverage.
    • Business Income and Extra Expense coverage.
    • The backing of a highly rated carrier.
    • Competitive premiums.
  • Umbrella/Excess Liability
  • Automobile – Owned, hired and non-owned auto
  • Directors and Officers Liability

Read More »Insurance for Pest Control Services Industry

Introduction to Business Continuity Planning

Each year, businesses and organizations are affected by man-made and natural events and disasters. Market competition and the fast pace of business demands that companies be prepared to respond to these events to help prevent or reduce business interruption and loss. These events run the gamut from fires, explosions, weather-related and other natural disasters to man-made events, including terrorism, data theft, cyber attacks on computer systems and networks, extended power outages and critical equipment breakdown. Major events can cause extensive disruption and damage to business and business operations. In a highly competitive, global economy, the inability of organizations to respond quickly and continuously to an adverse event could mean that consumers, clients and customers go elsewhere. Loss of customers, market share, and extended down times can result in your businesses never reopening. The importance of business continuity planning, that is, a continuous process and plan to identify the impacts of events and potential losses and ensure viable recovery strategies and continuity of services, cannot be overstated.

An organization’s business continuity plan should be an integral part of its operating strategy and part of its overall business planning process. It is not a “one-shot” project or one-time activity. Rather, it is an integral part of an effective business strategy. It requires a pre-defined, thoughtful approach and planning ahead. A well-executed and practiced business continuity plan is not only intended to help organizations recover and return to operations as quickly as possible. It also can be an important defense in reducing the overall impact on its business.
This guide is a high-level introduction to core business continuity planning concepts. Companies should tailor their own plan to their particular situation and needs.

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Top 10 Corporate Risks in 2014

corporate risksBusiness interruption (BI) and supply chain, natural catastrophes and fire/explosion top the list of company risks in 2014, according to the 3rd Annual Allianz Risk Barometer, which surveyed over 400 corporate insurance experts from 33 countries.

The survey highlights the increasing complexity of business risks, including a combination of new technological, economic and regulatory related risks, potentially creating a systemic threat for businesses and suggests that companies can respond to these growing challenges through stronger internal controls, combined with a holistic approach to risk management.

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Accident Investigations – Worker Responsibilities

With this article we open a new category – Safety Meetings with Workers. In this category, we will review topics for supervisor – worker safety meetings.

Accident Investigations – Worker Responsibilities

Don’t wait until an accident happens
Often we become aware of hazardous conditions only after someone is hurt or seriously injured. If you see an unsafe act or condition, don’t ignore it. You could be gambling on you or someone else getting hurt. Be sure to tell people if you see them working in an unsafe manner. Wouldn’t you expect others to have the same consideration for you? If you see an unsafe condition, correct it. If you can’t correct it, talk to your supervisor right away.

Accident investigationRead More »Accident Investigations – Worker Responsibilities

Tips for Winter Storm Victims

First, damage to the house and its contents caused by weight of snow or ice, creating a collapse, is covered under standard homeowner’s insurance policies. Freezing conditions such as burst pipes or ice dams, when water is unable to drain properly through the gutters and seeps into a house causing damage to ceilings and walls, is also covered.

Most damage resulting from fallen trees is covered by the homeowner’s policy, but consumers should check with their company before calling a tree removal service as removal costs may also be covered.Read More »Tips for Winter Storm Victims

Insurance for Snowplow Damage

Our West Coast readers can skip this post. All other homeowners in the U.S. are aware that with a snow comes snowplow damage.
Mailboxes often are the first objects damaged because of snowplows, and the city ordinance may note that city shouldn’t be responsible for digging them out if they are covered with snow. Many properties sustain damage after a municipal snowplow driver tear apart the entire length of road at the front of residence, damage parked vehicles, lawns. Residents whose property lie beside public roads are reminded not to place any type of private property, including landscaping shrubbery, fences, light posts or mailboxes, in the right of way.
Here is a short video of snowplow literally cleans Brooklyn’s street.

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States Allowing Electronic Proof of Auto Insurance

According to the Property Casualty Insurers Association of America, the following are states that have adopted e-card laws and/or regulations are:

US Map


  1. Alaska
  2. Arkansas
  3. Colorado
  4. Florida
  5. Georgia
  6. Illinois
  7. Indiana
  8. Iowa
  9. Kansas
  10. Kentucky
  11. Maine
  12. Mississippi
  13. Missouri
  14. North Dakota
  15. Oklahoma
  16. Oregon
  17. Pennsylvania
  18. Tennessee
  19. Texas
  20. Utah
  21. Washington
  22. Wisconsin
  23. Wyoming

Florida is joining the ranks of other states and allow drivers to show law enforcement officers their proof of automobile insurance through their cell phone and other electronic means.

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