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Business Safety

Fair 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…

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Risk 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…

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Reducing 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…

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Cyberthreats 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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$afety Pays!

In manufacturing as in most businesses, every dollar counts. And putting those dollars towards new safety initiatives might not be a top priority. Who needs another expense in these economic times? But money spent on safety is often an investment that improves the bottom line. Here’s why: Employers across the United States pay almost $1…

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Growing on You – Vegetation and Commercial Buildings

There’s a growing trend towards adding trees, bushes, shrubs and other vegetation to the exterior of commercial buildings, and for good reason. The addition of just about any kind of planting is a good thing for the environment and our air quality, and trees or shrubs can offer a touch of character to a building,…

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Retail Workers – Stay Alert!

Working in retail puts you at particular risk of confronting a thief or intruder for many reasons, such as: Handling money Night-time shifts or finishing shifts after dark Working alone or in small numbers Easy escape Poor visibility It is a good idea to prepare now so that if you are ever faced with the…

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Say what? I can’t hear you…

Nearly half (46%) of manufacturing workers have been exposed to hazardous noise levels at some point during their employment, according to the American Journal of Industrial Medicine. Equipment such as rotors, power tools, stators, gears, fans, impact processes and electrical machinery can all generate significant amounts of noise, which can negatively affect employees’ hearing. Prolonged…

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Commercial General Liability Insurance Trends

The general liability market has consistently underperformed for insurance carriers in recent years. As claims have increased in frequency and severity, insurance carriers have responded by tightening underwriting standards, deploying less capacity and seeking rate increases. Despite recent trends, carriers have begun to see some improvement in general liability results. In 2022, it’s predicted that…

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Workers’ Compensation Claim Costs – Direct and Indirect

Workers’ compensation claims have a variety of different costs associated with them. Some of these costs are expected costs, while others are unexpected. Here’s the difference between these terms: Expected costs are those that are covered by workers’ compensation insurance. Such expenses are commonly referred to as direct costs. Unexpected costs are those that workers’…

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