Category Archives: Contractors, Cleancare & Waterworks

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…)

Beware of Protective Safeguards in Your Business Insurance Policy

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…)

Salting Winter Sidewalks

This entry is part 10 of 17 in the series Winter Defense

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…)

Checking Motor Vehicle Records (MVR) on Delivery Employees

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…)

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:
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4 Onboarding Tips to Welcome New Hires

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…)

Tips for Reporting Insurance Claims

This entry is part 3 of 7 in the series Claims Reporting

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…)

Prevent Slips and Falls with a Floor Mat Program

This entry is part 14 of 17 in the series Slips, Trips & Falls

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…)

How to Save Money on Workers’ Compensation Claims

This entry is part 2 of 7 in the series Claims Reporting

According to the National Council on Compensation Insurance, restaurants are subjected to workers’ compensation claims averaging $45,600 per year. Most restaurants can’t afford an extra bill that big. Luckily, there are ways that restaurants can avoid being crushed by these costs and also recoup losses quickly.

Prompt workers’ compensation claims reporting is key to receiving  reimbursement promptly and efficiently. The timing of when you choose to pick up the phone to report an incident to your insurance carrier has a direct effect on the bottom line. Here are the top five reasons why.
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Improve the Effectiveness of Your Alarm System

Business owners can lower the chances of large property losses, production delays, material loss, or even a total loss of their business with preventive measures. One such tool to lower the risk factor is the installation of an alarm system. An alarm system alerts those individuals on-site and it can send a signal to a monitoring service company. Alarm systems help deter potential break-ins, keep customers and employees safe during emergency situations, and provides quick notification allowing for faster response times. (more…)