Education Blog
Commercial Property Checklist
As a commercial property owner, you can help to maintain a better risk management profile for your building by inspecting on a routine basis to ensure everything is in working order and identifying potential issues before they become severe. Covering everything from fire protection to housekeeping, this checklist will help you to perform a comprehensive…
Read MoreClothing Stores and OSHA Violations
The Occupational Safety and Health Administration (OSHA) tracks and reports their most frequently cited standards within particular industries. The table below looks at violations in the retail clothing industry in 2021, including the type of violation, the OSHA standard cited and the average cost per violation (ACV). Description of Violation Cited Standard Number ACV*…
Read MoreMaryland Passes Paid Family and Medical Leave Law
Maryland’s Time to Care Act (TTCA) establishes a paid family and medical leave (PFML) insurance program. Contributions to the program will start on October 1, 2023. Contribution rates are still to be determined. Those rates will be determined no later than June 1, 2023. Starting in 2025, covered employees may take up to 12 weeks of leave…
Read MoreCommon Types of Construction Insurance
As contractors, it’s important to understand what types of insurance your business should have and why. You work hard – make sure you’re properly covered for unforeseen circumstances that could harm your business. Check out this list of recommended insurance policies: Workers’ compensation—Workers’ compensation covers work-related employee injuries or illnesses. While injuries are infrequent, they…
Read MoreWinterize Vehicles for Storage
As winter approaches, it’s time to think about safely storing your recreational vehicle, classic car, or any other vehicle that won’t be in use, to avoid damage from the harsh weather and roads. By doing so, you can keep your vehicle in good condition for spring. Utilize the following guidance to properly prepare and store…
Read MoreFair Labor Standards Act for Wholesalers
Below is some general information concerning the application of the FLSA (Fair Labor Standards Act) to wholesale and warehouse industries. The wholesale industry is characterized by the sale of goods for resale, rather than sales to the ultimate consumer. The warehouse industry includes central warehouses for a business enterprise, public warehouses, and storage establishments. All…
Read MoreRisk Exposures for Landscaping Companies
Creating beautiful outdoor areas can be rewarding work, but running a landscaping business also brings its challenges. Besides obvious concerns like the weather, landscape contractors need to consider their risk exposures. While some of these are similar to those encountered by other contractors, landscaping also has its own set of unique risk exposures. Let’s take…
Read MoreReducing the Risk in Retail Cash Transactions
In the age of Venmo, Zelle, cryptocurrency and just plain old credit and debit cards, the topic of cash transactions might seem sort of 20th-century. But some businesses do still rely on cash for at least a portion of their transactions, and younger employees especially might not have much experience in handling cash. Let’s take…
Read MoreOpen Enrollment: Plan Changes for 2023
As always, a new year brings new changes for group health plan sponsors. As open enrollment approaches, sponsors should take note of the required changes for plan years beginning on or after January 1, 2023, and review plan documents to make sure all changes are incorporated. Additionally, any plan changes must be communicated to plan…
Read MoreCyberthreats in Construction
Incidents involving ransomware and other types of malware have reached epidemic proportions over the past few years, and the construction industry has absorbed more than its share of the damage. A recent study by Safety Detectives found that construction was the third-most targeted industry in North America in 2021, with 13.2 percent of all attacks.…
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