Insurance News

Automobile accidents are an expensive liability for companies that rely on the use of vehicles for their business. That risk has increased in recent years, mainly due to distracted driving and a legal concept called negligent entrustment.

Negligent entrustment occurs when an employer is held liable for negligence in choosing an employee to operate a dangerous instrument, usually a vehicle. An employer can be found negligent if both of the following situations occur:

  1. A...

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The weather can change quickly during the summer months, sometimes catching outdoor workers off guard posing a serious threat to their safety. When working outdoors, make sure you have access to severe weather alerts, and know what—and what not—to do if severe weather strikes.

If a severe thunderstorm warning cautions against straight-line winds, seek shelter immediately, preferably in a building and away from windows.

Do not use electrical appliances.

Be aware that...

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I’ve been reading a lot on employee wellbeing lately—more than usual. Not since my college years have I spent as much time researching, filtering through the various credible sources (and some not so credible) and assessing the merits of corporate health and wellbeing programs. Why this sudden return to scouring research journals you might ask? As wellness continues to evolve, we are constantly being challenged on its true return on investment for businesses. Your company may want a...

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Across all industries, certain employees may be required to work alone. Whether it’s due to staff shortages, late-night shifts or the nature of the job itself, those who work alone tend to be more vulnerable.

For example, if you work alone, you may lack the support needed to properly respond to any incidents that occur on the job, let alone receive the necessary assistance. In addition, if there is only one worker present at a location, members of the general public may feel they can...

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Uber, Lyft and other ride-sharing services can make it easy to get a quick car ride or make some extra income, and they’re only becoming more popular. In fact, in the cities where these platforms are available, taxi ridership has declined anywhere from 10 to 30 percent. However, the convenience of ride-sharing isn’t without risks. Most ride-sharing businesses are in the early stages of development, and the popularity, risk management and compliance issues they’re facing are all in uncharted...

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You say Wholistic, I say Holistic: What Does it Mean for Your Employee Well-Being Program?

As a health and well-being industry professional, I’m often asked to define an industry term or assess the value of certain types of programming options for a worksite population. I was recently asked about the concept of wholistic vs. holistic. It’s important to consider the differences between the two terms— although you will find they are...

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The WC (workers' compensation) insurance system is a no-fault method of paying workers for medical expenses and wage losses due to on-the-job injuries. While the majority of WC claims are truthful, the National Insurance Crime Bureau reports that billions of dollars of false claims are submitted each year. To help you detect possible WC fraud, experience shows a claim may be fraudulent if two or more of the following factors are present:

  1. Monday Morning: The...

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Protecting Your Personal Property

You may be considering renting out your home for extra income while you’re away for an extended period of time. Though this seems like an ideal solution for families with extra room to spare, it can pose liabilities. Take the following considerations to heart in order to protect your home.

  • Ask for references from potential renters, especially those that will stay for a while.
  • Draw up a rental agreement that defines the terms of...

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The following was quoted over 10 years ago in an online article from the Society for Human Resource Management. If it was a true statement in 2005, it’s an even truer statement in 2017.

“The days of simply maintaining personnel files and advising on hiring, firing and compensation are long gone for HR professionals. Today they fulfill a variety of roles that require knowledge and competencies in areas that were foreign to them in the past.”

Paradigm Shifts

Over the...

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“Phishing,” a type of cyber attack in which a hacker disguises him- or herself as a trusted source online in order to acquire sensitive information, is a common and technologically simple scam that can put your employees and business at risk. However, more resourceful criminals are resorting to a modified and more sophisticated technique called “spear phishing,” in which they use personal information to pose as colleagues or other sources specific to individuals or businesses.

A spear...

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