Skip to content

risk management

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

Stair Safety Slip and Fall Prevention

stair safetySlip 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 from stairs.
Read More »Stair Safety Slip and Fall Prevention

Commercial Kitchen Fire Safety

commercial grade kitchen equipmentOperation 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 vapors. This includes flat grills, char broilers and deep fat fryers. The typical residential range (electric or gas) would not be considered a grease producing appliance. Other equipment, such as ovens, microwaves and steam kettles also fall into the non-grease producing appliance category. The following is information regarding two of the most common types of equipment that produce grease and/or grease laden vapors.

Deep Fat Fryers

Deep fat fryers are a major cause of kitchen fires. Oil can splash and easily come into contact with an open flame from an adjacent piece of cooking equipment, such as a gas-fired range top. A 18-inch clearance must be maintained between the deep fat fryer and the open flame cooking equipment. If a 18-inch clearance is not possible, a vertical steel barrier extending 12 inches above the top of the deep fat fryer or open flame appliance(s) can be used as an alternative means of protection.Read More »Commercial Kitchen Fire Safety

Five Tips That Can Help You Stay Safe During the Holidays

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 and enjoyable holiday season:
  1. Watch Out for Porch Pirates
    Theft of packages from front porches and stoops increase as online shopping drives more home deliveries during the holidays. Take advantage of electronic delivery alerts and other protections to make sure your gifts are safely delivered — and received.Read More »Five Tips That Can Help You Stay Safe During the Holidays

Tips for avoiding slip, trip and fall accidents

Slips, trips and falls are a leading cause of injury for businesses and workplaces. Employees and other parties on your premises – visitors, customers, vendors, contractors and subcontractors – could be at risk for this type of accident or injury.

It is a common misconception that slip and fall injuries “just happen” and that there is little that can be done to prevent them. Years of experience show that proper slip, trip and fall prevention can help in reducing the number of injuries and in reducing loss costs.

Slips-Trips-Falls

Read More »Tips for avoiding slip, trip and fall accidents

Preventing offline identity fraud

offline identity fraudIdentity fraud does not always begin online. According to Travelers claim data, 44 percent of ID fraud cases happen when a person’s purse or wallet has been lost or stolen. Because thieves can use the information they find inside, here are some ways to help protect yourself and your identity.

Watch your wallet and purse
Many people store personal information in their purses and wallets, making it easier for thieves to commit identity fraud. Help secure your identity by keeping your purse and wallet in a safe place and carrying only essentials when you go out. Leave credit cards you will not be using in a secure place at home. Unless it is absolutely necessary, avoid carrying Social Security cards, birth certificates or passports as they contain key pieces of personal information thieves could use to steal your identity.Read More »Preventing offline identity fraud

Be aware – not all kitchen fires start with cooking

Houseware-Electric-teapotWhen thinking of the cause of a kitchen fire, it is common to think of cooking. But not all kitchen fires start because of cooking hazards. Non-cooking related fires commonly involve refrigerators, freezers or dishwashers. The following tips can help prevent non-cooking related fires from occurring in your kitchen.

Proper fire extinguisher use

You should know exactly how to use a fire extinguisher in the event a fire develops and you feel you are safely able to fight it. It is recommended that only those trained in the proper use of fire extinguishers consider using them when appropriate.

Call for help before attempting to extinguish a fire. A fire may grow out of control more quickly than you anticipate. It is wise to have help on the way.

Determine a safe evacuation path before approaching the fire. Do not allow the fire, heat or smoke to come between you and your evacuation path.

Attack the fire using the PASS method:Read More »Proper fire extinguisher use

Cooking is the cause of two out of every five home kitchen fires*

Houseware-Gas-fire-cookingCooking has long been and continues to be the most common cause of home structure fires and home fire-related injuries. Whether preparing for a family dinner or a quick snack, practicing safe cooking behaviors can help keep you and your family safe.

  • Never leave your range or cooktop unattended while cooking. Even if you have to leave the room for a short time, turn your range or cooktop off.
  • When cooking, it is important to wear short, close-fitting or tightly rolled sleeves. Loose clothing can hang down onto hot surfaces and can catch fire if it comes in contact with a gas flame or electric burner.Read More »Cooking is the cause of two out of every five home kitchen fires*

Protect your personal information from online risks

Going online has become part of everyday life – whether for shopping, sending emails or paying bills, or managing accounts. However, many worry that technology-related issues, including unsolicited emails and unsecured websites, can affect information stored online. The 2013 Travelers Consumer Risk Index shows that 41% of Americans worry about computer and technology issues. These were ranked second among the top five risks causing the most concern. Taking precautions when browsing the Web can help reduce your risk of a cyber attack. Read these tips to learn how to help stay safe online.Read More »Protect your personal information from online risks