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Auto
Commercial Drivers Hand held Cell Phone Ban Takes Effect
Commercial drivers "ring in the New Year" could be in trouble if they answer a ringing cell phone while driving. The U.S. Department of Transportation (DOT) has set January 3, 2012 as the effective date of the new hand-held cell-phone ban that was announced in late November and published in the Federal Register on December 2, 2011.The rule — issued jointly by the Federal Motor Carrier Safety Administration (FMCSA) and the Pipeline and Hazardous Materials Safety Administration (PHMSA) — proh...
CONTINUE READINGGeneral Liability
Umbrella Liability Coverage: What Limit Saves my Assets?
Insurance funds losses; it transfers risk from your company to the insurance company for a fee - premium. Deductibles are used to reduce the number of claims by having the business pay small amounts and only reporting larger issues. The order in which claims are funded is: deductible, liability limits, and then company assets…and sometimes personal assets. Your company needs high liability limits to protect company assets. Claims exceeding $1,000,000 in liability are i...
CONTINUE READINGProperty
Protect Your Air Conditioning Unit
Please be aware of the risk of Losing your air conditioner unit to thieves. They are active in our community and very bold-even providing their own means to climb roofs or get wherever they need to steal the copper from air conditioning units. Most theft claims will be covered by property insurance, however, we have seen instances where the thieves soon return and steal the replaced units! This type of claim activity may place you in a difficult position upon renewal of your property policy.Sugg...
CONTINUE READINGWorkers Comp
Number of older workers is expected to grow
The number of older employees in American workplaces is growing. This factor makes it even more important for employers to pay attention to workplace injuries. As employees age, their physical capabilities change. Such changes, which are usually normal with age or caused by chronic illnesses, play a major part in how employees respond to hazards in the workplace. Workers compensation, medical costs and productivity are all issues employers must consider. The number of older workers is expe...
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