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”
Clinical depression affects about one-fifth of women and one sixth of men in the United States at some point in their lifetimes. Why should employers be aware of this problem? Continue reading “Depression in the Workplace”
A study published in the Journal of Occupational and Environmental Medicine found that nearly 40 percent of U.S. workers experience fatigue. Why should employers care?
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?”
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”
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?
The following suggestions can help you avoid costly auto accidents among your employees who drive for work.
Driving—something that most adults do every day—is one of the most dangerous tasks you can assign a worker. Continue reading “Driver Safety for Employees”
When you think of air pollutants, you probably think of smog, auto exhaust and industrial emissions. But often indoor air can have more pollutants than outdoor air.
Since the passage of the Clean Air Act in 1970, outdoor air quality has improved along many measures. Continue reading “Indoor Air Quality”
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”
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”