Driving distractions come in many shapes and sizes. Between phone calls, text messages, Internet, television screens, unruly children, and distractions on the road, it is a wonder we ever arrive safely from Point A to Point B. In November of 2010, State Farm created an online survey to gain a…
The best way to prevent fleet crashes and in the process lower injury frequency rates is to hire drivers based on their ability and past performance. This discovery comes from Liberty Mutual Group, which recently released the results of its annual trucker survey. As part of the study, the company…
According to the American Red Cross, 80% of Americans don’t realize that home fires are the single most common disaster in our country. In fact, each year fire kills more U.S. citizens than all other natural disasters combined. However, most people aren’t aware of this because house fires are “silent…
In the case of United States v. Atlantic Research Corporation, the Supreme Court ruled that potentially responsible parties (PRPs) that voluntarily clean up contaminated sites may sue other PRPs to recover their cleanup costs under section 107 of the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA). The reinstatement of…
Newspaper columnist and author Erma Bombeck once humorously advised parents to never lend a vehicle to anyone to whom they’ve given birth. If only life could be that simple. Most parents don’t find deflating the tires and locking away the keys from their teen driver a feasible approach and will…
A Duke University Medical Center study revealed that obese workers filed twice the number of workers’ compensation claims as non-obese workers. In addition the over-weight workers had 7 times higher medical costs from those claims and lost 13 times more days of work from work injury or work illness than…
According to the National Association of Realtors, most average home buyers look at 10 to 12 homes before making a purchase. However, some can painstakingly look for months, even years, before finding the one. With such a long and tiring process, it’s very easy to get starry-eyed when you finally…
Like most new home-based business owners, you believe your homeowner or renter’s insurance coverage offers sufficient protection. That is unfortunate, because in most instances these policies offer little to no coverage for business-related losses. Homeowner’s policies are not designed to cover business losses. Most offer a small amount of business…
While almost everyone would like to save on their auto insurance, it can be a big mistake to be penny-smart, dollar-foolish. The dollar amount you set your comprehensive and collision deductibles at will be one of the most important decisions you make during the purchase of auto insurance. In turn,…
If an accident occurs while an employee or volunteer is operating their personal vehicle for company business, your company could be held liable. Even when an employee is just running an errand, such as making a bank deposit, dropping off a proposal or picking up a part, if an accident…
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