Did you know that, following a major disaster, some of your rebuilding expenses may not be covered by your property insurance? The costs of demolishing an undamaged portion of a building or of improving a structure to bring it up to code are specifically excluded...
The classic routine in which a hapless person "slips on a banana peel" has been a staple of comedy guaranteed to elicit laughter from an audience. Unfortunately, there is nothing funny about watching a similar scene unfold in real life, especially when the person falling...
When asked to identify workplace hazards, people tend to recall extreme situations, such as collapsed mines or chemical explosions - incidents that make front-page headlines. Yet statistics show that employees face the greatest risk from falls, which can occur in any workplace - including yours....
The Saturday night crowd in the popular restaurant is larger than usual. Guests are enjoying cocktails and conversations at the bar while waiting for a table. Food preparers are busy, but activity in the back of the house is going smoothly. Suddenly, a diner, in...
In addition to increased productivity, the Industrial Revolution brought with it the unwanted consequence of increased workplace injuries. The explosive growth in industry made the workplace increasingly dangerous, and the frequency and severity of workplace injuries soared. As the number of injured workers increased, so...
Too often, when shopping for insurance, consumers will focus most of their attention on the amount of the premium they will have to pay rather than on the financial strength of a prospective insurance company. Unfortunately, those who focus primarily on premium rates may find...
With two catastrophic hurricane seasons behind us, we've all learned that insurance is not something that should be taken lightly. In fact, with the repeating cycle of hurricane seasons, concern over a repeat of 2005's Wilma has become foremost in our minds, prompting discussion regarding...
Let's start by recalling what we mean by "preventable" accidents - those accidents that can be avoided in spite of any adverse driving conditions and in spite of any unsafe practices on the part of the driver who caused the accident. The key to preventing...
Every organization's risk manager dreads a phone call like this from one of the company's drivers: "I've been in an accident. I'm okay, and so is the other driver, but my vehicle is totaled. It wasn't my fault, though - the other car just came...
Today, organizations from around the globe are expanding their presence and venturing into international markets. With the evolution of the Internet and advances in technology, world markets are more accessible than ever, and organizations like yours are seeking foreign opportunities or are already selling into...