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Do You Know What the Most Costly Home Property Damages Are?

These five causes of home damage were identified by the Travelers in their recent report which tracked claims from 2009 to 2016.

Cyber Protection is More Than Insurance

No matter what your business, cyber-attacks are an increasingly common occurrence.  They not only affect the Internet, but also attack your core business systems.  In addition to your cyber liability coverage, you need to implement risk management support. 

What are the components of a risk management solution?

Back to School

August is Back to School Safety Month.  With the new school year about to start, it’s a good time to remind motorists to be extra careful at all times.  Here are some safety reminders for drivers:

Take the Pledge

What are the 100 deadliest days for teens?  It’s from Memorial Day to Labor Day, when accidents among teens drivers spike by 15%. Join the millions who have pledged to drive distraction free.  From checking emails to posting on social media - all of it can wait. 

Go to www.itcanwait.com and take the pledge.  Pass it along and save our teens.  Check out the videos, take the 2018 VR Tour, and become an advocate with download documents you can share.  

Going Boating - 8 Things to Leave Behind

There are plenty of things you should remember to bring when heading off on a boating adventure, but there are also a few things that you’d be better off leaving behind. Certain items can create safety issues on a boat, while other things can just be a plain mess to clean up. Whether it’s your own boat or someone else’s, consider leaving these things behind when heading out for a day on the waves.

1. Shoes with marking soles

Food Safety During the Summer Months

Summer is the perfect time for outdoor picnics, barbeques, and sports.  It is also the perfect time to breed food bugs.  Take a look at some tips from the Food Network to keep both your food and family safe:

Preventing Worksite Fatigue

According to a recent survey by the National Safety Council, 32% of reported injuries and near-misses are due to fatigued employees.

If your employees are working 12-hour shifts, seven days a week strongly contribute to incidents and fatigue. Another culprit is assigning workers to the night shift indefinitely and not giving workers adequate number of hours off between shifts. Rotating shifts is a best practice that entails scheduling a worker for the night shift for two weeks and then giving them time off and then scheduling for day shifts for two weeks.  

Check Your Deck for Summer Safety

Backyard decks are the perfect place to enjoy warm weather with family and friends. However, a poorly maintained or unsafe deck could possibly collapse, causing serious injuries.

Business Continuity

With Hurricane Season upon us, it makes sense to review your business continuity plan.  To illustrate why you need a comprehensive plan, here is a story from a business owner in Houston regarding their business recovery experience.

Three Brothers Bakery, a 69-year-old business owned by Janice and Robert Jucker, suffered losses of around $1 million after Hurricane Harvey devastated Houston last August.  In 2008, the destruction caused by Hurricane Ike forced the couple to close the bakery for nine months.  They lost $1 million after that storm.

Small Business Optimism Nears 45-Year High

In May, Small Business Optimism rose to 107.8 - the second highest level in the 45-year survey history according to JobCreators.  Income increases hit a 45-year high with a net 35 percent reporting raises for their employees, while positive sales trends are at the highest since 1995.  Business expansion plans are also the most robust in survey history.

If business expansion is in your future, give us a call to discuss the affects these changes not only have on your business, but what effect they may have on your insurance coverages.

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