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Kristin Bowen

All posts by Kristin Bowen:

Claim Tip: Placing Blame for Slip and Fall Cases

Posted by Kristin Bowen on Jun 29, 2016 8:07:14 AM

Accidents happen and people are injured, but that doesn’t always mean it’s someone else’s fault.  In this article, I’ll review the key issues in slip-and-fall accident claims.

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Combustible Dust

Posted by Kristin Bowen on Jun 15, 2016 8:00:35 AM

According to OSHA, since 1980, almost 150 workers have been killed and more than 850 injured due to combustible dust explosions.

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Preventing Residential Grilling Fires

Posted by Kristin Bowen on Jun 8, 2016 8:00:00 AM

Residential fires caused by grilling are dangerous, deadly, and on the rise.  In 2012, there were 374,000 residential fires in the United States.  Of those fires, 188,000 or 49%, were directly related to cooking.  Cooking fires also caused 7,650 injuries and 145 deaths.  Residential fires cause nearly $7.5 billion in damage each year.  Apartment owners, management companies, and condo associations should state in the lease/condo association rules: “Occupants shall not grill or deep fry inside the dwelling unit, on a deck or patio of a dwelling unit, or within 15 feet of any combustible material.”  To read more about preventing residential grilling fires and download our technical bulletin, click here.

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Are Electric Vehicles Right for You & Your Business?

Posted by Kristin Bowen on May 25, 2016 9:00:00 AM

Electric vehicles (EVs) have been around since the early 1900’s and today there are over 340,000 electric vehicles in the US alone, the largest fleet anywhere in the world. With the price of recharging an electric vehicle being almost half the equivalent of a tank of gasoline, it’s no wonder these vehicles are gaining popularity. There are a few different types of electric vehicles currently available to consumers; they are battery electric vehicles (BEV), hybrid vehicles, plug-in hybrid electric vehicles (PHEV), and fuel cell electric vehicles (FCEV).

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Safe Operation of Forklifts

Posted by Kristin Bowen on May 11, 2016 9:00:00 AM

OSHA estimates power industrial trucks (PIT), commonly called forklifts, cause about 85 fatal accidents per year, 34,900 accidents resulting in serious injury, and 61,800 non-serious accidents.  Approximately 42% of PIT-related fatalities involve being crushed by a PIT that's tipped over; 25% involve being crushed between the vehicle and a surface.  The industries with the highest percentage of fatality claims include manufacturing (42.5%) and construction (23.8%). According to OSHA, 70% of all PIT accidents could have been avoided.  West Bend's loss prevention team put together a technical bulletin including safety tips, procedures and information on inspections.  Read, download and post it in your facility as a visual reminder!

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Claim tip: Collecting and preserving evidence on a workers' compensation claim

Posted by Kristin Bowen on Apr 27, 2016 8:00:00 AM

Timely claim reporting and return-to-work-programs are vital in reducing the cost of workers’ compensation claims. Just as important, however, is preserving evidence when a third party is involved. This may be obvious for a property claim, but why would it be true for a workers’ compensation claim?

Because workers are sometimes injured due to the negligence of a third party. Examples of such exposures include malfunctioning equipment, exposure to toxins, motor vehicle accidents, or injury that occurs on the property of a third party. Subrogation and recovering costs related to accidents at work aren’t usually top-of-mind when there’s a workers’ compensation claim. Because of this, it can be challenging to pursue a third-party claim due to the lack of supporting documentation and the failure to preserve evidence.

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Optional coverages for dealer risks

Posted by Kristin Bowen on Apr 13, 2016 8:00:00 AM

To say motorized auto dealers have unique exposures is an understatement.  Inventory loss or damage, personal injuries, work comp claims, property damage, manufacturer problems are all risks they face.  Fortunately, over the years, West Bend has developed extensive expertise when it comes to commercial risk.  Our underwriters are skilled; they know and understand what coverages are necessary to protect them.

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Going Up in Flames

Posted by Kristin Bowen on Apr 6, 2016 8:00:00 AM

Fire is one of the biggest threats for restaurants and bars.  A recent study, completed by the Consumer Product Safety Commission, found that as little as 3% of cooking oil residue left in towels after laundering can spontaneously combust.  Fibers in the towels trap oil and grease over time, creating an opportunity for combustion.  When people think of spontaneous combustion and towels, they usually think of solvent-soaked towels; however, towels soaked with cooking oil – vegetable or animal – present the same risks and potential loss. 

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Equipment Leasing: Friend or Foe?

Posted by Kristin Bowen on Mar 23, 2016 8:30:00 AM

While there are many benefits to leasing equipment, such as commercial trucks, insureds should beware of the damage coverage included by the leasing company. 

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Damage from Data Compromise

Posted by Kristin Bowen on Mar 9, 2016 8:24:12 AM

Cyber security, data breach, safeguards, cyberattacks are terms that are all too prevalent in the news today.  From big box stores, to mom and pops shops, to online retailers, restaurants and bars, we can no longer ignore how a data breach would damage reputations and cause huge headaches and financial hardships for your consumers.  The 2015 second annual Data Breach Industry Forecast by Experian states that almost half of organizations had a security incident within the last 12 months.  Cyber insurance policies or Data Compromise programs are becoming a necessity in protecting businesses, reputations, and your customers.

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