Your center for insurance and risk management tips, news and trends.

How to Prepare and Protect Your Home From Accidents, Exposures and Natural Disasters

Posted by Parker Beauchamp on Jul 29, 2015

When it comes to home safety and preparedness, there are two factors you should consider—the current state of your home, and its unique exposure to risks and liabilities. 

While you probably had an inspection when you first bought your property, there are many problem areas an inspector can miss:

  • Old wiring may be up to code, but it can still spark a fire in your walls;
  • Hidden mold in a damp basement could cause major health problems; and
  • A poor drainage system could lead to thousands of dollars in flood damage and liability.  

Beyond the condition of your home, its location and structure can render it more or less vulnerable to risk and natural disasters. Severe weather, such as hurricanes, earthquakes, high winds, tornadoes, wildfires and so on, can cause a great deal of damage and your insurance policy may not cover.

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Topics: Risk Management, Personal Insurance

Telecommuting: The Pros, Cons and Risks of Working from Home

Posted by Parker Beauchamp on Jul 24, 2015

flickr-telecommuting-849891-editedAllowing employees to work from home, otherwise known as “telecommuting,” is becoming a common human resources discussion. One of the main focuses of this discussion is how this trend affects companies.

You might be surprised to learn that studies, including a recent study by Stanford University, have found that employees who work remotely are often more productive and work longer hours than those who head into the office.
To garner a better understanding of this trend, we’ve outlined the most prevalent pros, cons and even risks of this hot topic.

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Topics: Business Insurance, Risk Management

Easy Ways To Prevent Workplace Injuries—And Lower Business Insurance Costs

Posted by Parker Beauchamp on Jul 20, 2015

“Workplace injury” probably conjures up images of manufacturing plants, construction sites, forestry and ice road trucking. But many employees face injury or illness at work, and often in less-than-obvious work environments.

According to the latest annual report from the U.S. Department of Labor, more than 3 million Americans suffered non-fatal on-the-job injuries in 2013. And 75.5% of those injuries occurred in service-providing industries.

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Topics: Business Insurance, Benefits

9 Simple Ways to Reduce the Risk of Break-Ins

Posted by Parker Beauchamp on Jul 15, 2015

We all care deeply about the safety of our loved ones, but it’s also easy to take safety for granted. Data from the latest FBI crime report shows that Americans can expect roughly one in every 36 homes to be burglarized every year.

We all lead busy lives and sometimes forget to use common sense when it comes to practical security precautions. Burglars look for easy targets, so do yourself a favor and make sure you’re not one by implementing the following steps in your home.

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Topics: Risk Management, Personal Insurance

Why Smart Employers Promote Workplace Wellness and Paid Time Off

Posted by Parker Beauchamp on Jul 08, 2015

43 million Americans do not have paid time off (PTO). In fact, the U.S. is the only developed nation that doesn’t require employers to provide this benefit. But does limiting sick time help or harm employers and their employees?

National statistics and research show that workers who utilize available PTO are not only more productive, but will also experience fewer medical emergencies that require expensive insurance costs. Here is why:

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Topics: Business Insurance, Benefits