What’s the difference between a sewer backup and a plumbing system overflow?Read More
If you use vehicles for your business, you have a business auto exposure. Even if you scheduled the vehicles on your business owner’s policy, you may not have all the coverage you need. When meeting with your agent to determine coverage, it’s important to review how ALL vehicles are used for your business. Do you allow your employees to use their personal vehicles for business purposes, such as picking up parts or making a bank deposit? Are vehicles that aren’t titled or owned by the business listed on your business auto policy? Let’s address these, and other situations pertaining to the use of vehicles for business purposes.Read More
During a recent storm, an insured suffered a substantial hail damage claim. After an inspection of the property, it was discovered the building was insured to 72% of its replacement cost, when, according to the coinsurance clause, it should have been insured to at least 90%. After the resulting coinsurance penalty, the insured had to pay 18% of the loss!Read More
Do you know if you have food allergies? Do you take special precautions when dining out to avoid certain types of food? Do you ever wonder if restaurants, delis, and cafeterias follow food safety guidelines and use proper care when handling and preparing your meals?Read More
Automotive mechanical repair shops have many exposures. Today we’re going to take a look at some of the exposures for internal operations, as well as hazards to the general public, customers, and employees.
Here are some of the ways you can protect your employees, customers, and property:Read More
When I visit machine shops or manufacturers, I often ask many questions related to the lockout/tagout program. I usually hear, “Uh huh, yep, we have one of those,” but see no evidence of the employees’ using their lockout/tagout devices. Sometimes, I’ll even hear, “Lockout what?”
Lockout/tagout is a safety procedure used to ensure that employees are protected from the unexpected power or start up of machinery and equipment during service or maintenance work. Lockout/tagout devices must be used before servicing or maintaining machinery or equipment, when hazardous energy exists, or if an unexpected start-up could occur. The lockout not only prevents machinery from being turned, it prevents machinery and equipment parts from moving. The tagout provides a warning. Many kinds of equipment require a lockout/tagout device, including presses, power saws, conveyors, pumps, production equipment, and trash compactors.Read More