Is Your Vehicle Ready for Winter Weather?

Winter is here with cold temperatures, fog, snow and ice. Now is the time to prepare your vehicle for hazardous conditions and treacherous driving. Try these 6 tips to be ready: 1. Ensure fluids are at the proper levels Check your antifreeze levels and ensure it’s rated for the temperatures in your area of the…

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Get There Safely: Winter Driving Hazards

Motorists navigate a city street in white out conditions.

In the United States, motor vehicle crashes are a leading cause of death for people ages one to 54. In 2022 alone, about 42,795 people died in motor vehicle traffic crashes, according to the National Highway Traffic Safety Administration (NHTSA). Driving during the holidays or over a holiday weekend increases your odds of being in an…

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Special Events Mean Special Attention To Coverage

If you own or run a business, sponsoring and participating in special events are great ways to support your local community. Good intentions won’t protect you from liability, however, if someone gets hurt or suffers property damage during a street festival, art show, outdoor concert or other event you or your employees may be involved…

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Manage Subcontractor Default Risk

The success of any construction project depends on hiring qualified subcontractors and making sure they can finish the job on time and within budget. Too many construction projects have gone bad due to subcontractor problems, whether it’s scheduling issues, lack of skilled labor, financial difficulties or a contract dispute. You can take steps to avoid…

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Let It Snow! (Safely): Winterize Against Workers’ Comp Claims

In many parts of the United States, the onset of winter weather means an increase in workers’ compensation claims. Blizzards, winter storms, snow, sleet, ice and freezing temperatures can lead to various occupational and workplace injuries and illnesses. According to the Bureau of Labor Statistics, there were 20,460 occupational injuries related to snow, ice, sleet…

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What Liability Exposures Do Your Organization Face?

Almost every organization faces commercial liability exposures. A commercial liability loss exposure is a condition or situation that presents the possibility of an organization becoming legally and financially responsible for injury, harm or damage to another party. These exposures stem from the kind of work an organization performs and where that work is executed. They…

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Get Ready for Summer Watersports!

What is PWC Coverage? Personal watercraft coverage (PWC) may cover the following: Bodily injury to yourself, another rider, or swimmer injured in your path Property damage to items such as docks, other PWCs or boats Guest passenger liability Medical payments Theft of your PWC A typical policy will include a $250 deductible for property damage,…

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Preparing Your Job Site for Severe Weather

Severe weather conditions can be detrimental to job sites, placing additional strain on construction employers. While there’s no way to completely safeguard worksites from the elements, there are measures that can be taken to reduce the risks posed by extreme weather events. Such weather can come in many forms, each of which require their own…

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Splash! How’s the coverage on your PWC?

What is PWC Coverage? Personal watercraft coverage (PWC) may cover the following: Bodily injury to yourself, another rider, or swimmer injured in your path Property damage to items such as docks, other PWCs or boats Guest passenger liability Medical payments Theft of your PWC A typical policy will include a $250 deductible for property damage,…

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Avoiding Worksite Injuries in Winter

Falls and other accidents on the jobsite are too common in construction at any time of year, and the winter month bring even greater risk exposure. Here are some suggestions to minimize winter dangers on the worksite. Budget time differently: Outdoor projects in the winter will not proceed at the same pace as work done…

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