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How to: Protect Your Business’ Outdoor Areas During Spring

Does your business have what it needs to protect your outdoor property through the spring season and beyond? Spring brings bright sunshine as well as unpredictable weather and torrential rain. For your business, it’s important to protect your outside property as well as the interior equipment, documents, and other important items from outdoor perils. Whether your business is at risk of theft during the lighter nights or your sign can suffer from wind damage, protecting your outside is essential! Below are a few items that are outside your office that you should consider covering: Exterior signs, glass lettering, ornamentation, anything permanently attached to the building: You may want to consider adding these items to your business owner’s policy to ensure that if they are damaged in a storm or another listed peril, they can be repaired and replaced at little expense. Offsite equipment: Does your business have expensive equipment? Items like sound systems or ... Read more

Affordable Perks for Your Employees

If your company needs to tighten its belt, don’t force out your top talent in the process. Whether you’re a new business or one that has reached rocky waves, you’re likely looking for good and, more importantly, affordable perks to retain your top talent and attract strong workers. If your top talent is getting offers from better-financed rivals, your company could suffer a rapid loss of staff. The ultimate way to keep employees from bolting is to hire people who believe in your company’s mission, all the while rewarding them without breaking the bank. Here are a few low-cost perks you can offer. Let your employees work from home. Give employees the option to work from home one day a week. Employees who telecommute reported improvements in their stress, morale, and productivity. Encourage breaks. Set up a designated quiet room for employees to take 10-minute relaxation breaks. Employees will come back to their ... Read more

Protecting Against Cyber Bullying Lawsuits with Insurance

Bullying is a problem that occurs in schools around the country, but it is not limited to the educational system. Cases of bullying that take place online can be just as damaging to the mental health and well-being of young students. Watching video Mondays and staying up-to-date with the latest concerns that can arise is a key part of ensuring that a family will not face unnecessary financial challenges. What is Cyber Bullying? Before it is possible to protect against lawsuits and potential challenges that may arise, it is important to understand what cyber bullying is and how it can result in financial strife. Any time that taunting, teasing, name-calling or other negative comments take place over the Internet, it is classified as cyber bullying. It can be dangerous because of the impact on the mind. Employers and parents should always take measures to obtain coverage that can help protect against liability ... Read more

Tis the Season for More Construction Jobs

The coming summer season involves more construction projects--and more workplace injuries. This makes it a good time to review your commercial insurance coverage to learn if it is sufficient or needs some protection updating. While fatal accidents, like those that have occurred during construction for the upcoming World Cup Tournament in Brazil, there are many other risks that garner less media, but present common dangers. According to the Occupational Safety & Health Administration (OSHA) stairways and ladders are a primary source of injuries, sometimes fatalities, for construction workers. OSHA estimates almost 25,000 injuries annually from falls on stairways and ladders used during construction projects. Around one-half of these accidents result in lost time off the job. This data confirms the inherent hazards involved in using temporary stairways and ladders during construction. While these injuries seldom make the evening news, they can be just as devastating to the workers and their employers ... Read more
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