In the world of workers compensation, the subject of employee vs. self-employed independent contractor is complex. Employers are not required to provide workers compensation coverage for independent contractors. Likewise, employers are not responsible for payroll taxes and other legal obligations that are necessary for employees. However, there are consequences for misclassifying an employee as an independent contractor, so it’s important to understand the difference. (more…)
March is National Ladder Safety Month
The American Ladder Institute (ALI) is made up of 16 ladder manufacturers responsible for developing ladder safety standards. ALI recently announced the launch of an initiative to address ladder-related incidents: the first National Ladder Safety Month. As reported in the March 2017 issue of Safety & Health magazine from the National Safety Council, the goal of this annual March campaign is to: (more…)
Is your business as well-protected as it should be? Do you really know what goes on when you’re not there to see it firsthand? As a business owner you want to ensure that your investment is protected against loss from the public or from your own employees.
Due to their early and late hours and sometimes short staffing, gas stations, convenience and liquor stores are often subject to more crime and violence, which is a growing concern among many of Society’s policyholders. Other businesses such as restaurants, taverns, and grocery stores experience increasing numbers of slips and falls. Having an effective video surveillance system will help deter shoplifting and employee theft, and it can also prove valuable when trying to document crimes and injury claims by customers or employees. Many of the newer digital systems allow you to review your footage from a smart phone, even if you are not onsite.
So, is video surveillance really necessary at your business? YES. Here’s why: (more…)
Protective Safeguards sounds like an endorsement you would want included in an insurance policy, right? Beware! This is actually an endorsement that can exclude coverage in certain scenarios. It’s important to know if this is attached to a businessowners’ insurance policy. (more…)
Slip and falls represent a huge liability for business owners. Outdoor surfaces, such as parking lots, sidewalks and walkways, are one of the leading areas for slip and fall accidents. These areas become increasingly more hazardous in the winter with the accumulation of snow and ice. Slip and falls are the number one source of loss for Society Insurance policyholders for both customer and employee injuries.
If you own your property you are responsible for the snow and ice removal. If you are a tenant who leases your space check your lease agreement to see who is responsible for snow and ice removal; it may be you! Whether it is in an effort to save time or money, some business owners opt out of using ice melt on slippery sidewalks and entryways. By doing nothing, business owners open themselves up to customer liability claims as well as employee injury. Business owners should have a winter snow removal and ice treatment plan to prevent customers and employees from slipping and falling. (more…)
Data breach coverage offers protection for costs associated with the accidental exposure of sensitive customer data due to occurrences such as hacking, theft, and the accidental release of data. This coverage will help to cover costs involved with the notification of customers and government authorities of a potential data breach, as well as legal liability costs to protect against claims from victims.
What is an MVR, what is it used for, and who should be checked? A motor vehicle record (MVR) is a historical driving record that can be used to determine business risk associated with current and potential drivers. MVRs may include: (more…)
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:
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…)
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…)