How to Avoid Deer Vehicle Collisions

Did you know that 1 out of every 169 drivers will collide with a deer during the coming year? Wisconsin and other Midwest states consistently rank in the 10 worst states for deer crashes. Collisions between vehicles and deer cause 150 fatalities annually in the United States.

Here are some helpful tips to prevent deer crashes: (more…)

Understanding Assault and Battery Insurance Coverage

The hospitality business is all about patrons having a good time. Most business owners are vigilant about preventing verbal and physical altercations. But sometimes a situation may escalate leaving your business vulnerable to an Assault and Battery liability claim.

Assault is usually defined as “an act that threatens physical harm to a person.” Battery is generally defined as “the crime of unconsented physical contact with another person.”

For many in the hospitality industry, Assault and Battery is a concern – particularly if your establishment serves alcoholic beverages.

Did you know that many insurance carriers exclude this coverage for bars? (more…)

Case Study: Timely Reporting of Workers Compensation Claims


Society Insurance is a servicing carrier in the Wisconsin Workers Compensation Insurance Pool. As such, we see extreme cases and injuries. We treat these businesses just like every other Society policyholder. This case study provides strong evidence for the importance of prompt claims reporting. (more…)

Is Your Business a Target? Robbery Prevention Tips

As a former robbery detective in the Chicago Police Department I can easily see why a business would be a target for a robbery or hold up. Now that my career is in insurance, I know how important it is for a business to keep a “low profile.” Here are a few things you can do to make the bad guys pick another business as their victim:

Successfully Onboarding New Employees

Finding the right person to fill a position is just as important as having a process to properly onboard them. Whether your company is large or small, getting your new hires off on the right foot is important and can make a huge impact in the long run.  (more…)

Clean Cooking Equipment to Prevent Grease Fires

Onion rings, french fries, cheese curds, fried chicken, Friday fish fry. Is your mouth watering yet? What do all of these have in common – aside from being delicious, of course? These are just a few of the culprits when it comes to the production of large amounts of grease involved with commercial cooking. While exhaust hoods are designed to collect a lot of these grease-laden vapors and residues during the cooking process, the commercial cooking equipment being used to heat up the food is often overlooked and can become a collection point for grease.

For each year from 2011 to 2013, an estimated 5,600 restaurant fires were reported to fire departments in the United States, resulting in no fewer than five deaths, 100 injuries, and $116 million in property damage. Of those 5,600 fires, 64% involved cooking and grease played a factor in nearly half of those incidents (Source: U.S. Fire Administration). (more…)

Tips for Reporting Insurance Claims

The easiest way to control your claim cost is with prompt reporting. Studies show that claims cost more when reporting is delayed. The sooner a claim is reported, the sooner it can begin to be managed and brought to resolution.

Key types of claims that should be reported as soon as possible: (more…)

Don’t Be a Victim of Email Scams

Email is commonplace in the business world, with over 108 billion emails sent and received per day. The fact that emails are circulating in big numbers makes them a good target for scammers. We all need to be careful when opening emails.

Consider this scenario that was recently brought to my attention: (more…)

Prevent Slips and Falls with a Floor Mat Program

Mirror, mirror on the wall,
How do we prevent a fall?
Clean floors can help with that,
And don’t forget the floor mat!

The average person walks over 8,000 steps a day. All it takes is one slip and fall and your life could be changed in an instant. According to the National Floor Safety Institute (NFSI): “Falls account for over 8 million hospital emergency room visits, representing the leading cause of visits (21.3%). Slips and falls account for over 1 million visits, or 12% of the total falls.” What can we do as employers to protect our employees and customers from slips and falls? One of the best places to start is with a proper floor mat program. (more…)