FEDERATED INSURANCE: WHO IS OPERATING YOUR COMPANY VEHICLES?

Federated Insurance’s Auto Dealer Claim of the Month (January 2024) An insured had purchased three vehicles at an auction, but only had the ability to drive two of the three back to their intended location. The insured contracted with a vendor to arrange for the last vehicle to be delivered due to employee/time constraints. The vendor arranged for a […]

KEEPING UP WITH HAZARD COMMUNICATION

If your organization produces, transports, and uses hazardous chemicals, it is important to train employees to interact with these substances safely because failing to use and store hazardous chemicals correctly could lead to dangerous health side effects or even contribute to a workplace fire. According to OSHA, all employees should have access to and training on Safety […]

HR QUESTION OF THE MONTH: EXCESSIVE BATHROOM BREAKS?

QUESTION An employee is spending an excessive amount of time in the bathroom. The employee takes 8 to 10 bathroom breaks a day, which can range anywhere from 10 to 20 minutes per break. This amounts to at least 1 or 2 hours a day that this employee is getting paid to be in the […]

BLOG: CAN YOU AFFORD THE LOSS OF A KEY EMPLOYEE?

If you’re like most business owners, you have one or more go-to employees when it comes to the day-to-day operation of your company. They have the management skills, technical know-how, experience, or customer relationships upon which you rely — you trust them to make the right decisions when you’re not available. They can be at […]

PREPARE FOR SEVERE WEATHER AND NATURAL DISASTERS NOW – DURING THE CALM BEFORE THE STORM

Severe weather and natural disasters that were once considered unpredictable now feel inevitable. Hurricanes, tornadoes, and wildfires are occurring regularly across the United States. Members need to take action now – in the calm before the storm – to help avoid becoming one of the 1 in 4 businesses that fail following a natural disaster. Federated Insurance […]

REVIEWING THE OSHA TOP 10

Safety violations can occur in any number of ways, but there are plenty of opportunities to help create safer work environments. One way is to become familiar with the Occupational Safety and Health Administration (OSHA) Top 10 list, which accounts for the most frequently cited standards following inspections of businesses and work sites by federal […]

RESOLVE TO REEVALUATE YOUR RISK MANAGEMENT CULTURE

Take a moment to consider the past year in risk management. Is there anything that stands out to you as needing improvement? Anything that worked well to be taken into the New Year? It’s important to reevaluate your risk management culture every so often in order to stay aware of changes that may have evolved […]

WHEN DISASTER STRIKES YOUR ELECTRICAL SYSTEMS

Electricity is vital to our world and businesses, and our reliance on electrical systems creates a risk. Could you continue operating your business without electricity? Power outages in Texas due to cold weather earlier this year show us that natural disasters can strike anywhere, and at any time – and often have ramifications to critical […]

CLAIM OF THE MONTH – COULD IT HAPPEN TO YOU?

  A mechanic test drove a customer’s vehicle to diagnose a problem. While listening for the problem, the mechanic got distracted and rear-ended another vehicle, seriously injuring the occupants.POTENTIAL CLAIM: $3.5 million That claim might seem unrealistically high, but we have seen court judgments in cases like this rising at an unprecedented rate. Juries have […]

A ROUTINE MAINTENANCE PLAN…FOR YOUR LIFE INSURANCE?

Everyone has a vehicle maintenance plan, whether they are the one who performs the maintenance or not. Oil changes, tire rotations, and general tune-ups are a part of life, no matter how busy we are. Without a routine maintenance plan in place, your vehicle will not operate at its peak performance. You may not realize […]