The Workforce Pressure Test
How engaged is your workforce? Are you doing enough to help ensure your employees are skilled, safe and resilient? Put your workforce strategies to the test to find out. Source: Travelers
Management Liability Coverages
While every business is unique, there are universal exposures that all businesses face. In addition to insuring your specific risks, you need to consider coverage that will protect you from common exposures generated by everyday business operations. For larger organizations, the diversity of risk and probability of higher claim frequency make it more effective to…
Working with Subcontractors? Consider an SMP.
A Subcontractor Management Plan (SMP) outlines the relationship between contractors while they are performing work for a certain project, and it outlines the methods by which the primary contractor will ensure the production of quality deliverables from each of its subcontractors. This will also ensure the development of long-term business relationships between the companies. This…
5 Big Risks for Home-Based Businesses
Many home-based business owners treat their operations informally—but you shouldn’t. According to Census Bureau data, about half of U.S. businesses are operated from home. The Insurance Information Institute has found that the majority of home-based business owners lack insurance coverage beyond what they have through their homeowners’ insurance policy—which is generally not designed to cover business-related claims.…
Fall Home Maintenance
The autumn season is a great time for preparing your home to withstand the potentially harsh winter weather and temperature conditions. By making maintenance part of your annual fall routine, you can identify potential problems before they arise, and help prepare your home and property for what Mother Nature has to offer. Travelers provides the…
Teen Distracted Driving
For most adults, driving is second nature. Like breathing, we don’t really think about it. But to teens, the whole driving experience is new. This makes them more prone to distracted driving. Having the right coverage is important for helping protect against the unexpected – but Nationwide reminds us that paying attention on the road…
Preventing Vehicle Fires
Vehicle fires can break out for many reasons. Smoking, overheated tires, dragging brakes, faulty wiring or exhaust system failures are just some of the causes of vehicle fires. It is important to exercise the following prevention techniques to ensure your safety. As a professional driver, you need to be familiar with the potential risk of…
A Guide to Creating & Updating Driver Qualification Files
When it comes to managing a fleet, there’s a lot to consider. Not only do you have to ensure every vehicle under your care is safe and operational, but there are also specific Federal Motor Carrier Safety Administration (FMCSA) requirements you must follow in order to remain compliant and avoid potential fines. One complex and…
Snowbirds, Winterize Your Homes
Going south for the winter? Snowbirds are those lucky people who migrate from the north to warmer climates during the cold season. Although snowbirds were originally retirees, more and more people of all ages are avoiding the cold weather during the winter months. Take a minute to be sure your property is safe for your…
Easier Condo Financing through FHA
The Federal Housing Administration (FHA) has a process that pre-approves condominium projects so loans are easier to procure. In the past, most resort condominiums have been unable to receive approval. But a recent update to the FHA regulations may change this unfriendly trend. Prior regulations required the condominium to have 50% of the units as…
