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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

How to Manage Risks Associated with Delivery

Delivery accidents, whether those are pizza or sushi sedan delivery, or large track furniture delivery, can result from, but are not limited to: Rear-ending the car ahead because the delivery driver is following too closely, speeding excessively or driving while distracted; Turning-related accidents while making U-turns, failing to observe other vehicles and conditions, failing to yield and turning left through intersections; and Backing accidents when not looking behind or to the side of the vehicle when backing up, and rolling back at traffic control devices. To reduce accidents and loss, we suggest drivers: Check to make sure their vehicles are… Read More »How to Manage Risks Associated with Delivery

Focusing on Risk Uncertainty

1. Uncertainty can be assessed and measured. 2. Emerging risks radars must be built and systems for continuous scanning established. 3. Even under uncertainty, prudent forecasting is possible and necessary. 4. Contingency planning is indispensable. 5. Establishing resilience buffers will dilute adverse impact. A new report from Zurich Financial Services notes that in contrast to the “bulk of risks faced by the corporate sector,” which are more or less “easily identified,” and can thus be dealt with, “there is a class of risks with often severe consequences that is, at times, difficult to grasp, even more difficult to assess, and… Read More »Focusing on Risk Uncertainty

TEACHING FIRE SAFETY – SMOKE ALARM

Some Facts to Introduce Fire Safety to Children • Fires need three things to get started and burn: Oxygen, fuel and a heat source to ignite the fuel. • Many children know that fire is hot and can hurt them. But smoke can be equally harmful. Breathing smoke makes people very sick and can even kill them. • Smoke from a fire spreads quickly and can be extremely hazardous. Most people harmed in fires suffer from injuries related to the smoke or toxic gases they inhale, rather than from being burned by the fire itself. Some Facts for Teachers to Note About Fire Safety • Children “playing” with fire start 40,000… Read More »TEACHING FIRE SAFETY – SMOKE ALARM

Watch Your Car This New Year’s Day

You’ve got your plans for New Year’s? The list of commitments is ready, the fridge is stocked for the party. You’re ready to have the best ever yet New Year’s Celebration. And so are millions of people. Everyone is ready to relax, but vehicle thieves. New Year’s Day was once again the leading holiday for reported vehicle thefts in 2009, while Christmas Day repeated as the holiday with the fewest reported vehicle thefts. For the 11 holidays reviewed in 2009, a total of 22,991 vehicles were reported stolen compared to a total of 24,676 reported for those same days in 2008,… Read More »Watch Your Car This New Year’s Day

Top 5 Holiday Insurance Claims

According to Rocky Mountain Insurance Information Association among the top holiday mishaps are: – Stolen holiday decorations from the front yard. Under a standard homeowners insurance policy, decorations are generally covered, but subject to the out-of-pocket deductible and policy limits. Holiday trappings are also generally covered under a standard renter’s or condo policy. – Gifts stolen from the car while it’s parked at the mall. Coverage to replace these items falls under a homeowners or renter’s insurance policy. But, that’s minus the deductible and up to policy limits, so it’s a good idea to keep gifts and valuables hidden. This… Read More »Top 5 Holiday Insurance Claims

FBI Reports: Crime goes down in 2010

The nation experienced a 6.2% decrease in the number of violent crimes and a 2.8% decline in the number of property crimes from January to June 2010. Arson, motor vehicle theft, larceny-theft fell and burglary all decreased. That’s according to the FBI’s Preliminary Semiannual Uniform Crime Report, which is based on information from more than 12,000 law enforcement agencies that submitted three to six comparable months of data to the FBI during the first six months of both 2009 and 2010. Violent Crime From January to June 2010, all four of the offense types in the violent crime category declined… Read More »FBI Reports: Crime goes down in 2010

Stolen Car Crashes – Owner’s Responsibility

Have you heard a joke about  a landlord, whose house was burglarized, so the landlord is found guilty for not having a knob on the storage door, as the thief couldn’t leave the crime scene and had to struggle with no food, water and restroom, until finally rescued by the homeowner? Funny? Stupid? Not really: a Tennessee court has ruled that a person who leaves keys in a car can be held responsible if the car is stolen and then involved in a crash. Another words, if your car is stolen and involved in the third party’s property damages or personal injuries you can… Read More »Stolen Car Crashes – Owner’s Responsibility

Ten Executions – Water Scarcity

Seven years ago I was working in Palo Alto private school. One hot summer day I was standing outside the school yard, talking to a stranger slash daddy of a pupil. – There are two major problems, that I see are forthcoming soon, – he said stroking his motorcycle helmet, – China becomes a supreme power – and this is the U.S. problem and the shortage of water – global disaster. I think we can deal with the first one, as long as the second one is not coming true. Now it seems like the first one hasn’t kicked off,… Read More »Ten Executions – Water Scarcity