Category Archives: Auto Service & Garage

Turn Down the Risk of Occupational Hearing Loss

While heavy tools create a variety of physical risks for contractors, manufacturers and auto repair workers, one of the threats is harder to detect: hearing loss.

Though it may not seem serious, hearing loss is one of the most common workplace illnesses in the United States. The U.S. Centers for Disease Control estimates approximately 22 million American workers are exposed to dangerous noise levels at their job each year, and account for about 14% of reported occupational illnesses each year.

Exposure to high-volume environments comes at a price. Hearing loss jeopardizes communication and alertness in the workplace and can plague workers the rest of their lives. And the price tag? (more…)

Ordinance or Law Insurance Coverage

Standard property insurance provides coverage for returning a building to the condition it was in prior to a covered loss. What is not covered is the increased cost due to the enforcement of ordinances or laws regulating construction and repair of damaged buildings. Ordinance or law coverage was developed to fill this gap. (more…)

7 Tips to Ensure Your Building Sprinkler System Will Protect You

This entry is part of 10 in the series Fire Prevention

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…)

Civil Authority Insurance Coverage

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…)

Electronic Submission of Workplace Injury and Illness Records to OSHA

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…)

Heat Stress: When is Hot Too Hot?

This entry is part 2 of 3 in the series Working in Heat

It is that time of year again when the weather starts to warm up and we become more active outdoors. I was recently working in my backyard on the first 80+ degree-day of the year and began to get dizzy and disoriented. I started thinking to myself that I was encountering a heat-related illness – was it heat stroke, heat exhaustion, or possibly just heat cramps? So many terms and levels of danger! Heat stress is the general term used to describe heat-generated illnesses that result when the body is unable to cool itself through sweating. What should we know about heat stress and what can we do to prevent it? (more…)

Video: Business Auto Insurance

Your vehicles drive your business, and Society has the safety tools to keep them going no matter the obstacle. Whether your fleet is for retail delivery, local service, repair or something else, we customize your business auto coverage around how your operation runs for a smooth ride.

Plus, Society’s auto extension endorsement provides several enhanced coverage protections. (more…)

Workers Compensation: Employee or Independent Contractor?

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…)

Ladder Safety Challenge

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…)

5 Reasons Your Business Needs Video Surveillance

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…)