Basic Defensive Driver Techniques

Most everyone has heard of the term ‘defensive driving’ before. But, what does it actually mean? Some may imagine a slow, hesitant driver that only drives in the right lane or uses directional signals a block before making a turn. In fact, defensive driving is actually a set of good habits combined with a driver’s existing driving skills. The standard Safe Practices for Motor Vehicle Operations, ANSI/ASSE Z15.1 defines defensive driving skills as “driving to save lives, time, and money, in spite of the conditions around you and the actions of others.”

Most licensed drivers are required to take a driver’s education class before being allowed to operate a motor vehicle. However, most drivers have not taken any type of defensive driving training. (more…)

Employment Practices Liability Insurance – What Does it Cover?

As a business owner, you strive to be fair and nondiscriminatory in your employment practices. But even a simple misunderstanding could expose you to an employee-related claim or allegation such as sexual harassment, discrimination, abuse or wrongful termination. In today’s litigious business climate, these are damaging claims that can put you out of business. Is your business prepared for these situations with Employment Practices Liability Insurance (EPLI) coverage? (more…)

Protecting Employees from Robbery and Assault

Each year, nearly two million American workers report that they have been victims of some form of workplace violence, including robbery and assault crimes. This is according to data from the Occupational Safety and Health Administration (OSHA). There are several factors that may increase the risk of violence for workers in a variety of occupations. These factors include: (more…)

Developing a Successful Onboarding Plan for New Employees

(From Interview, to First Day and Beyond)

Think you’ve found the right person to fill that open position? Now, make sure you have everything ready to bring them on board. Just like you, your new hire has expectations – and that includes cues that you have everything in order for their arrival. If you don’t, they will know and it could predetermine their success and longevity with your company.

BEFORE THE FIRST DAY

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Cyber Liability Insurance – Security and Privacy Liability Coverage

If your business suffers a data breach, you may see yourself as the victim. But there could be a different perspective for customers or employees whose data has been compromised. They may view you, the business owner, as responsible for not properly safeguarding their confidential information. Would your business be prepared for the related lawsuits? (more…)

24/7 Nurse Triage Program for Workplace Injuries

While protecting the health of your employees is the number one priority of every business, no business is injury-proof. Accidents can happen even with the proper safety procedures and training in place. Sometimes workplace injuries require a trip to the emergency room. However, in non-emergency situations, a nurse triage program is a valuable resource to help achieve the best possible outcome for everyone involved. (more…)

Basic Cooking Equipment Maintenance Requirements

Your cooking equipment is probably the most important thing inside your restaurant. One unexpected failure could ruin a busy dinner service. Even worse, a kitchen fire could put you out of service for days, or even weeks.

To keep your equipment – and your business – operational, the following five points are often the most critical routine maintenance requirements in the kitchen. The best practices listed below are the requirements of Society Insurance and are based on our company’s loss history and expertise in the restaurant markets that we serve. These best practices closely reflect the National Fire Protection Association (NFPA) standards and may be more or less stringent than the NFPA standards.  (more…)

Common Data Threats and Vulnerabilities

When it comes to data security, a threat is any potential danger to information or systems. Threats could be an intruder network through a port on the firewall, a process accessing data in a way that violates the security policy, a tornado wiping out a facility, or an employee making an unintentional mistake that could expose confidential information or destroy a file’s integrity.

It’s critical for every business to understand their risk. An important step in data security is to identify potential threats, classify them by category, and evaluate the damage potential to the company. Use this checklist to understand common data threats and assess how they may affect your business: (more…)