A recent article in the Wall Street Journal cautioned against the advancing strides being taken in the home security market. Many homeowners now have the capability of unlocking the front door or disabling their home alarm with a Smartphone app.
Recently a plastic extruder moved to a new location in an attempt to consolidate operations and save money. However, they neglected to consider three key points. They did not consider the design capacity of the sprinkler system, they did not consider the building construction and they did not consider the protection class – location of the building. The sprinkler system was significantly under capacity for the commodity exposure, the frame building could not meet the necessary construction design requirements for the storage of their raw materials and finished products and the property was in a protection class 7.
Employee Dishonesty coverage is an important optional SMARTbusiness™ coverage that can be overlooked, and sometimes underinsured. The actions of employees may not always be what we expect. Adding Employee Dishonesty coverage to your SMARTbusiness policy can be a “security blanket” if an employee steals money, securities, or other property from your business.
Carpal tunnel syndrome. Lower back pain. Neck soreness or tightness. These, and other injuries, can all be caused simply by working at a computer. If your employees have ever experienced work-related injuries like these, you probably appreciate the benefits of ergonomics. What many employers may not realize, however, is that proper ergonomics is relatively easy to achieve ... and can result in huge savings in workers’ compensation costs and insurance premiums.
As a business owner, you’re responsible for maintaining the main (usually front) customer parking and walking areas of your business, including fixing potholes and removing snow from sidewalks and parking lots. But what about the rear and side walkways and parking lots of your business? It’s been my experience that the rear and side lots and walkways, the ones commonly used by your employees, can potentially be where the most serious injuries occur and, therefore, have the most impact on your workers’ compensation insurance costs.
You just ended one of the most prosperous post-Christmas sales in your store’s history. As soon as you close, you’re heading to the bank to deposit the day’s receipts. But just as you’re locking up, an armed thief pushes his way into the store and demands that you turn over your cash. Weeks of hard work and thousands of dollars in sales walk out the door with him. And because you didn’t have Money and Securities coverage on your insurance policy, you’ll never see it again.