Winter weather has arrived and it is time to take precautions by protecting your pipes from freezing and bursting. Frozen pipes can be prevented by following a few basic steps. Remove garden hoses from faucets. Cover exterior faucets with insulation. Cover exposed exterior pipes with foam rubber or fiberglass insulation and secure them with tape.…
Provides Tips on How to Purchase Safe Toys and Gifts for Kids Children Should Spend the Holidays with Friends and Family, Not in the Emergency Room CHICAGO (Nov. 22, 2011) – The holiday shopping season is already in full swing for retailers as well as shoppers who are eager to begin purchasing everything on their…
Social Media Employers’ Liability for the Activities of Employees Social media has created many opportunities for companies to expand their business, but these opportunities have come with a new set of risks. Multiple exposures occur within the digital realm. The most common include: Harassment – That of co-workers, business partners, and customers. If an employer…
Quick, Easy Ways to Improve your Mood & Succeed in the Workplace Being happy at work doesn’t just make you feel good—experts say that employees with a positive attitude often make money, take fewer sick days, and are more creative. When people are feeling good, something clicks in the brain that leads to more flexible…
Since the time change more of us are having to drive at night. The following is helpful information from the National Safety Council. Traffic death rates are three times greater at night than during the day, according to the National Safety Council. Yet many of us are unaware of night driving’s special hazards or don’t…
Use Loss Control and Limits to Combat Employee Dishonesty Employee dishonesty risk management starts with checking prior history. Other good steps are outlined in the questions in typical employee dishonesty applications. For example: Audits by independent CPA that includes a review of internal controls Two signatures required on all checks over a nominal threshold Separation…
You may be frustrated with car insurance premiums and factors that make them creep upward, such as: Your insurance company’s overall loss experience (due to more claims) The increased value of newer model cars, particularly SUVs Increases in judgment amounts awarded in auto lawsuits Increased business processing and administrative expenses Auto loans lasting longer, meaning…
A joint venture is an entity formed by two or more businesses in order to pursue a specific purpose for a specified period of time. While some states require joint ventures to be legally filed, other states recognize any entity that meets the definition. A partnership differs from a joint venture as the former lasts…
Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect the coverage provided by a particular insurance policy. Therefore, requests to “endorse the certificate…