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Protecting your retail business from cybercriminals this holiday season

Posted by Kristin Bowen on Nov 8, 2017 9:00:00 AM

Retailers are gearing up for one of the busiest and most profitable times of year – the holidays. I try to shop locally owned specialty shops and boutiques to support my community and to find exceptional gifts for my loved ones. Remember, your insurance coverage is just as important as the quality of items you sell in your store.

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Preventing slips, trips, and falls on stairs

Posted by Kristin Bowen on Oct 25, 2017 9:00:00 AM

Benjamin Franklin famously said, “An ounce of prevention is worth a pound of cure.”  We tend to agree, especially when it comes to slips, trips, and falls, as they make up the majority of general industry accidents.  According to OSHA, slips, trips and falls account for 15% of all accidental deaths, just second to motor vehicle accidents.  They total 25% of reported general industry accident claims each year. In addition, over 17% of disabling occupational injuries result from falls.  Most could’ve been prevented.

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Understanding Coverage for Light Manufacturing Facilities

Posted by Kristin Bowen on Oct 11, 2017 9:00:00 AM

West Bend considers light manufacturing operations to include manufacturers of small stamped, rolled, turned, pressed, cut, machined, or soldered/welded products or component parts that are made from material other than wood. Operations generally produce items that are simple in nature and physically small. 

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Did you know there's more to protecting your restaurant than just property and liability?

Posted by Kristin Bowen on Sep 20, 2017 8:00:00 AM

Many fond memories are made while sharing good food and good stories.  Restaurants like supper clubs, family-oriented restaurants, cafes, delicatessens or sub shops, and pizza restaurants are the places where the magic happens.  Let’s talk about a few different types of coverages that can benefit restaurants. 

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Investigations - The importance of cooperation

Posted by Kristin Bowen on Sep 6, 2017 9:00:00 AM

When an employee makes a claim for workers’ compensation benefits, it’s imperative that the claim be reported timely. An adjuster’s job is to work quickly and efficiently to gather facts surrounding the accident. The adjuster will often take a recorded statement to memorialize the accident details, as stories and facts may change over the course of a claim. A timely investigation can reveal details that can have a big impact on a claim’s outcome, including identification of a possible third party. 

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Referrals - Just Ask!

Posted by Kristin Bowen on Aug 23, 2017 9:00:00 AM

When you ask for referrals, do your palms sweat and does your heart race? If the answer is yes, you’re not alone. Many people are nervous about asking for referrals for fear of damaging relationships with their current clients. Ultimately, those who don’t ask for referrals are depriving themselves of new business opportunities. That’s because for many companies, referrals are the primary method for generating new business. 

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The need for back up generators

Posted by Kristin Bowen on Aug 9, 2017 9:00:00 AM

Power Outage Statistics
Power outages are a serious problem that nearly every home and business in the United States will experience at some point each year.  Significant physical damage can be sustained if a power outage lasts long enough. Loss of power can cause essential systems to shut down, which is why having a working backup generator can help protect your business.

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Vacant Buildings - What you need to know about insurance coverage

Posted by Kristin Bowen on Jul 26, 2017 9:00:00 AM

Buildings that are vacant for extended periods are vulnerable to vandalism and fire, partly as the result of only occasional maintenance and security oversight.  The most recent data from the National Fire Protection Association cites  there are an estimated average of 31,000 structure fires in vacant buildings per year, resulting in an average of 50 civilian deaths, 141 civilian injuries, and $642 million in direct property damage per year. 

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How to reduce employee illness and injury

Posted by Kristin Bowen on Jul 12, 2017 9:00:00 AM

If you could guess the one word that can reduce both illness and injury, what would you say?  Ergonomics?  Yes! 

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Proper use of fire extinguishers

Posted by Kristin Bowen on Jun 28, 2017 9:00:00 AM

While on a site visit in downtown Milwaukee, a West Bend loss prevention associate recognized a fire extinguisher in a restaurant kitchen indicating it had been discharged. This was puzzling because the fire extinguisher had been serviced only a few weeks before. After questioning the manager, a startling discovery was made. In a well-intentioned attempt to test the effectiveness of the newly-inspected fire extinguisher, the manager had taken the canister outside and discharged it. It quickly became clear this process was followed for every fire extinguisher within the facility! If a real fire had broken out in the building, there would have been no viable options for containing the flames because all of the extinguishers had been depressurized.

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