In many states, including Florida, workers' compensation insurance rates are set by the state, which means that regardless of which insurance company ultimately provides the insurance, the rates remain the same. Therefore, unlike with other types of insurance, consumers are limited in their ability to...
Did you know that the need for spoilage coverage extends beyond food-based risks? If your business has any stock that would be destroyed or rendered unusable due to an extended loss of power, then you would be wise to consider coverage that protects this perishable...
The numbers don't lie: According to PricewaterhouseCoopers' Health Research Institute, medical costs for 2009 will increase by almost 10 percent, significantly outpacing the current rate of inflation. In response to these skyrocketing costs, the Institute also reports on the increasing popularity of workplace wellness programs,...
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...
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...
Charley, Frances, Ivan, Jeanne- Floridians have had to indulge a few unwelcome guests as Mother Nature unleashed one hurricane after another within a two month period. The Sunshine State, to some, has been aptly renamed the Hurricane State. The Hurricane Season has yet to end,...