What to Do in Your Annual Insurance Policy Review

Scheduling regular policy reviews can ensure your business has the coverage it needs, when you need it. If you haven’t reviewed your coverage lately, the beginning of the year is a great time to take care of this important housekeeping matter. Continue reading “What to Do in Your Annual Insurance Policy Review”

Horseplay: Who Pays When Someone Gets Hurt?

When horseplay occurs in a work environment, does workers’ compensation apply?

Generally, an injury must 1) occur in the course of employment and 2) arise out of the worker’s employment to be compensable. Merriam-Webster defines horseplay as “rough or loud play: energetic and noisy playful activity.”’ Most job descriptions don’t include play…so should employees receive workers’ compensation for injuries occurring due to recreational activities or horseplay? Continue reading “Horseplay: Who Pays When Someone Gets Hurt?”

Insuring Your Boat

A survey by one insurer found that 29 percent of all boat owners did not have a separate watercraft insurance policy. This could be a mistake.

 

 

Many boat owners mistakenly think their homeowners or personal auto policy will provide coverage; however, the standard homeowners policy limits property damage coverage for boats to $1,500—far less than the value of most recreational boats. Continue reading “Insuring Your Boat”

Will Medical Marijuana Send Your Employment Policies up in Smoke?

Twenty-two states and the District of Columbia now allow the medical use of marijuana. Colorado, Oregon and Washington have also legalized its recreational use and possession. How will this affect your employment policies?

Continue reading “Will Medical Marijuana Send Your Employment Policies up in Smoke?”

The Truth about Alcohol Abuse and Workplace Injuries

When researching the effects of alcohol on workplace injuries, you’ll likely stumble across a statistic attributing 38 to 50 percent of all workplace injuries to alcohol or drug abuse. If that sounds shockingly high to you, you’re probably right. Continue reading “The Truth about Alcohol Abuse and Workplace Injuries”

Insuring Your Boat

In 2013, the Coast Guard counted 4,730 recreational boating accidents that involved 736 deaths, 3,358 injuries and approximately $36 million dollars of damage to property. If you own or regularly operate a boat, you probably need more coverage than your homeowners policy provides. Continue reading “Insuring Your Boat”