Most people wouldn’t overlook a 300-pound football linebacker or a 400-pound boulder coming their way. For some reason, a garage door, which is also typically 300 to 400 pounds, opening and closing usually isn’t given a second thought. While this object may seem benign, it’s often the heaviest moving feature…
The workers’ compensation system was designed to provide a method for efficiently returning injured workers to their jobs as soon as possible. Getting lawyers involved in this process when it isn’t necessary slows it down, makes it far more inefficient, and adds costs. The best way to avoid the need…
Few drivers consider themselves bad drivers. In fact, most people would probably give themselves an A+ on their driving skills. While some may indeed be excellent drivers, there wouldn’t be over 6 million vehicle accidents each year in the United States if everyone was an excellent driver. Even though what…
Does your current insurance portfolio adequately protect your company and its most key people against significant financial losses? All companies understand the importance of a general liability policy, for example, to cover customer injuries that occur on the business premises. And every business knows it’s important to protect the business…
Having a reliable backup generator can be invaluable during a power outage. From powering a refrigerator, the lights, or heating or cooling during an emergency power outage, an emergency generator can be a real asset and provide many of the essentials that your family would otherwise be without during an…
If you run a small, privately held company, you may not think that you need the kind of insurance protection that larger, publicly traded companies have for their directors and officers. You would be mistaken. Directors and officers (D&O) liability insurance has a place in the insurance portfolio of just…
According to the FBI’s National Crime Information Center, one vehicle is stolen about every 25.5 seconds in the U.S., which amounts to a total of 1,235,226 stolen U.S. vehicles and upwards of 7.6 billion dollars in vehicle losses. Despite the tremendous expense involved when a car is stolen, many consumers…
The chances that an employee’s responsibilities to work and to family will collide have increased in the past few decades. Mothers are more likely to be employed than not, for example, and more individuals with aging parents have taken on caregiving roles. Employees with caregiving responsibilities are not a protected…
To make sure you have the right type, and right amount of homeowner’s insurance, you need to understand what it does, and doesn’t, cover. Regular homeowner’s insurance will cover damage from tornadoes, fires, and burglary; but it will not cover the calamity of hurricanes, floods, terrorism, or nuclear meltdowns. Basic…
Many of the same problems that plague the U.S. health care system are spilling over into workers’ compensation, including rising costs, an increased incidence of potential injuries brought on by an aging workforce and the obesity epidemic, and regulatory uncertainties. In a speech at the 62nd Workers’ Compensation Educational Conference,…
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