Articles
Don’t Gamble on Minimum Coverage Policies
One of the biggest pitfalls a car owner can make is buying the minimum liability limits required by their state. While the minimums vary from state to state, in all cases they are woefully inadequate to cover the costs of a serious accident if you are found at fault....
Use Heat Lamps for Your Pets with Caution
Every year, dozens of pets and farm animals are killed after heat lamps that are meant to keep them warm during cold periods catch fire. Besides the avoidable deaths of the animals, these fires can often burn down an entire home or barn, causing hundreds of thousands...
New Car Totaled; Will Insurance Pay Off the Loan?
It's the nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely mangling most of the front end and irreparably damaging the frame — essentially totaling the vehicle....
Employers Expect Higher Premiums, Little to No Cost-Shifting
Employers who were surveyed for a new report expected that group health insurance premiums would increase 5.4% this year and at a faster clip in 2024 as inflation hits medical costs. Employers said they are looking to manage growing group benefit costs without...
Budgeting and Prepping for Open Enrollment
If you are running a business, you need to get an early start on preparations for your small group health plan open enrollment, particularly now as so much confusion abounds about the state of health insurance in the country. With recent new regulations, options have...
Investigate Causes of All Workplace Injuries
OSHA encourages employers to investigate all accidents in which a worker was hurt, as well as close calls — sometimes called "near misses" — in which an individual might have been injured if the circumstances had been slightly different. The agency suggests using the...
Managing Your Corporate Vehicle Exposure
Automobiles are one of the most significant exposures to loss a company can face. To ensure that you effectively manage your company's vehicle liability and risk exposure, you need to have an effective risk management strategy. Without one, the consequences to your...
State Supreme Court: Employers Not Liable for ‘Take-Home’ COVID Cases
California employers cannot be held liable for the spread of COVID-19 cases by employees who contracted the disease on the job and spread it in their household, the California Supreme Court held on July 6. In its unanimous decision, the court said that saddling...
Six Steps for Safely Extracting Stuck Vehicles in the Field
One of the regular hassles in the agricultural sector is getting trucks or tractors stuck in the mud, dirt or snow. Unfortunately, during these times workers stand a greater chance of getting injured, or worse. Serious, disabling injuries and deaths have occurred when...
SCOTUS Sets High Bar for Rejecting Religious Accommodation Requests
A recent decision by the U.S. Supreme Court will make it more difficult for employers to deny employees' requests for religious accommodations in the workplace. The unanimous decision by the court in the case of Groff vs. DeJoy basically upends a standard for...
Preventing Warehouse and Factory Fires
One of the biggest risks to warehouses and production facilities is fires, which can spread rapidly in these environments. Facilities that are most at risk are those that have high ceilings, large footprints and hold large quantities of inventory that is stored close...
Keeping Agricultural Workers Secure with Pipe Safety
Working with irrigation pipes can be a high-hazard job if the pipes are not installed, moved and maintained properly. Hazards can include: Contact with electrical cables or wires. Contact with moving parts. Transportation. Trenching. Underground utilities. Make...