If your building caught on fire today, would your sprinkler system activate and control the fire? Ninety-five percent of the time your sprinkler system will do what it is supposed to do, but there are several things that YOU can do to increase your chances even more. Below are seven tips a building owner can act on to ensure their investment doesn’t go up in flames. (more…)
Even if your business has been fortunate enough to avoid a loss, it may happen that disaster strikes near your business. Although this event doesn’t directly affect your ability to conduct business, action by a civil authority – like the police or fire department – may still prohibit access, resulting in a loss of business income and extra expense. Civil authority coverage comes into play in these situations, providing protection when there is damage to property other than your insured premises due to a covered cause of loss. (more…)
Can you think of decisions that you make daily? Of course you can! Now, what about a routine that you have daily? This might be tougher. For some, having a daily routine is how they function. For others, a routine may be a new concept.
Routines are a wonderful way to: (more…)
When you think about the most dangerous jobs, a non-CDL (Commercial Driver’s License) service or delivery driver does not usually come to mind. However, every year thousands of workers are injured or killed while performing a delivery. According to the National Highway and Traffic Safety Administration, there were over 100,000 injuries and 300,000 accidents involving delivery vehicles in 2012 and Time magazine ranked it number eight on its list of the 10 Most Dangerous Jobs in 2014.
Delivery driver dangers include vehicle accidents, injuries while performing the delivery such as back injuries and slips, trips and falls, or crime. Both employers and employees can take important steps to help reduce these hazards. (more…)
Society is unique in its understanding of the hospitality business. Sometimes products of services that were ordered in advance become unavailable due to an unexpected loss or damage. That’s why we offer insurance coverage to reimburse your customers for additional expenses when prearranged products or services cannot be honored. (more…)
Answers to Your Questions about New OSHA Recordkeeping Rule
Recently, you may have seen articles about a new Occupational Safety & Health Administration (OSHA) rule requiring certain employers to electronically report their prior year injury data to OSHA. You may have also wondered if this rule applies to you. This blog will answer some of your most common questions about this new rule (why, who, how and when), as well as provide direction on where to find more information. (more…)
Sometimes it can be easy to forget to take time for yourself. Weeks fly by in the blink of an eye. But even during the busiest days, it’s important to set aside a bit of time to recharge. Below are six ways that you can incorporate exercise and meditation into your daily routine to help you refresh your mind, body and soul. (more…)
A business should use written contracts with hold harmless and indemnification agreements to its advantage. The days of handshake agreements are disappearing; they may be gone entirely. When hiring a contractor or service provider, or renting or sharing space within a building, only do so based on a written agreement. The agreement should contain as much detail as necessary to define what work is to occur, what service is to be provided, and how or when it is to be done.
All agreements or contracts should be drafted with the help of legal counsel. While sample contracts are available online, there is often a disclaimer at the bottom — a disclaimer is another term used to deny liability — saying that the website and sample creator are not responsible for errors, omissions or damages of any kind if you use the sample. This doesn’t mean the sample can’t be used to create a draft, but the draft should always be reviewed by legal counsel before it is implemented.
When drafting a contract or agreement, use language, as well as hold harmless and indemnification agreements, designed to protect your business. (more…)
Hold harmless and indemnification agreements are becoming increasingly important in business contracts. They are elements or clauses within a contract or agreement that can work to your business’s advantage, or they can just as easily work against your business. Hold harmless and indemnification are terms that are used interchangeably, but do not necessarily mean the same thing. As with many things, the devil is in the details — or in this case, the wording. (more…)
To better manage your business, you may hire outside experts or contractors to help maintain your facility or provide a service to your customers. You will enter into agreements when hiring these contractors, and you may be advised to obtain certificates of insurance. These are legal documents designed to protect your business from liability and financial harm. Let’s take a closer look. (more…)