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risk management

Barbeque Safety: At Home and On the Road

Eighty-one million Americans have taken part in a barbecue during the last year. Many of them were in celebration of Independence Day. Whether you’re hosting a party or attending one, be sure to be safe when using the grill and handling food. Keep your grill, your home, and your loved ones safe by following these recommendations from the U.S. Fire Administration: Position the grill well away from siding and deck railings and out from under eaves and overhanging branches. Place the grill a safe distance from lawn games, play areas, and foot traffic. Keep children and pets away from the… Read More »Barbeque Safety: At Home and On the Road

Prevent Human Error in Workplace if You Can

If a worker makes a mistake that leads to an accident, should that employee take the blame? Maybe not, according to Indiana University of Pennsylvania Safety Sciences professor Jan Wachter. Wachter believes that human error in the workplace, while not completely preventable, can be managed by better tools to motivate and engage workers in the safety process. “While human error has been associated with the majority of incidents in the workplace, it can be managed through a variety of mechanisms. But motivation and worker engagement may be the keys to human-error reduction,” he said. Wachter will test this theory in… Read More »Prevent Human Error in Workplace if You Can

Travelers Expands Coverage for Healthcare Organizations

Travelers has unveiled new property coverages through its IndustryEdge product for healthcare organizations. New coverages include: Ordinance or Law – Communicable Disease Contamination Coverage – This coverage pays the costs incurred to clean up and remove communicable disease contamination from a premise when mandated by an ordinance or law. Condemnation of Medical Property – This coverage pays for loss of visibly undamaged medical property that a government regulatory authority has condemned as a direct result of a covered cause of loss. Unintentional Errors or Omissions – Failure to Report Locations – This coverage is extended when the insured unintentionally fails to… Read More »Travelers Expands Coverage for Healthcare Organizations

Record Losses from Weather

Devastating tornadoes, floods, earthquakes overseas and a busier-than-usual hurricane season have U.S. insurance companies bracing for record losses in 2011. Globally — including the major earthquakes in New Zealand and Japan — U.S. and overseas insurers could post up to $55 billion in losses, EQECAT projects. In the United States, billions of dollars in damage were the result of a rare violent weather hitting densely populated areas. Paperless advise: Check your insurance for the following coverage 1. Drain back up 2. Debris Removal 3. Flood 4.  Consequentual loss 5.  Loss of business income 6. Exterior Sign Coverage 7. Earth movement… Read More »Record Losses from Weather

New Florida Discovery Rules

How many good news from Florida have we seen lately, particularly in the area of bad faith litigation. Not too many… However, the Florida Supreme Court has declared that the liberal rules that it adopted a few years ago requiring disclosure of work product in first party bad faith cases does not apply with respect to attorney-client privileged communications. In connection with evaluating the obligation to process claims in good faith under Section 624.155, all materials, including documents, memoranda, and letters, contained in the underlying claim and related litigation file material that was created up to and including the date… Read More »New Florida Discovery Rules

Safe Digging Month of April

April is Safe Digging Month and a great time to – Protect their bottom line and safety – Avoid unnecessary physical risk and utility outages – Prevent avoidable losses “Calling 811 Before Your Contractor Digs” meets these goals! Share this important safety information with your construction clients. At issue: – There are miles and miles of underground utilities that link communities to energy, water/sewer and communications centers. These vital links are at risk whenever a stake, shovel, boring, or mechanized excavation device is put in the ground – Risk of personal injury as well as catastrophic explosions, not to mention… Read More »Safe Digging Month of April

Fighting Insurance Fraud

Insurance is no different than any other field of human endeavor; there are those who try to cut corners and seek unfair advantage. Everyone—employers, employees, medical providers, and insurance carriers—has an important role to play in identifying those who cheat. Fighting fraud is a big job, but you can take some simple steps to prevent fraud from affecting your workplace and wallet. Educate your employees about workers’ compensation. he law requires you to inform your employees about their workers’ compensation rights. They should understand the workers’ benefits for legitimate claims and the penalties for fraudulent ones. Don’t be afraid that,… Read More »Fighting Insurance Fraud

What is Return to Work Program

Numerous studies have shown that injured employees recover faster when they return to work. In addition, their return can decrease claims expenses, limit downtime, and eliminate the need for additional staff. A well-planned Return to Work (RTW) program can help bring your injured employee safely back to work as early as possible in a modified or transitional position. You gradually adjust the transitional job to accommodate the employee’s improving physical condition until they can return to their usual duties. You reduce your costs. Your employee can return to a self-supporting status. Everybody benefits.  Doesn’t that make good sense? If you have… Read More »What is Return to Work Program

Lightning Protection Inspection Program

he Missouri-based Lightning Protection Institute (LPI) is implementing an independent inspection program designed to perform on-site lightning protection inspections. LPI is a not-for-profit group founded in 1955 to promote lightning safety. The organization provides a certification program in lightning protection installation, design and inspection and offers a list of certified contractors across. The group says that lightning is the most frequently experienced weather peril, and its destructive electricity is responsible for billions of dollars in losses to homes and businesses in the U.S. Lightning protection systems can protect commercial, industrial and residential structures, but the groups say it’s important that… Read More »Lightning Protection Inspection Program

New Exclusive Program for Jewelers

A new jewelers block insurance program from the Chubb Group of Insurance Companies will be offered country wide to qualified retail agents, brokers and wholesalers. To be branded and marketed under the Jewelers unBLOCKed name, the program will address the exposures of the jewelry industry, including retailers, custom designers, wholesalers, remount events, manufacturers and refiners. Currently insurance for jewelry stores, manufacturers, wholesalers and distributors, as well as repair shops, including kids jewelry is available from Hartford, Travelers, Zurich, CNA and many more insurance companies. To get a quote visit our website: ppls