EMC Insurance: The Basics of Your Experience Modification Factor

Managing and understanding workers’ compensation insurance costs is a difficult task, says EMC Industrial Hygienist Krista Scott. You’ve likely heard the term “experience modification factor” aka “experience mod,” and Krista says that this concept is one key to managing insurance costs. The Basics: The experience mod is a numerical representation...

Travelers Insurance: Two Types of Liability

An important part of understanding your responsibility for products and services is to understand how that responsibility is defined by law. Although various states and countries have differing...

Travelers Insurance: 6 Behavioral Interviewing Tips

An in-person interview can be a critical step in the hiring process and can help a recruiter or hiring manager determine whether a job candidate fits the organizational safety culture and core safety...

Travelers Insurance: Preventing Frozen Pipes for Businesses

Winter is around the corner and cold temperatures can reach areas of your facility that you cannot see or seldom visit, such as: ·        Crawl spaces; ·        Closets; ·        Enclosed spaces...

Nationwide: 3 Ways to Save on Teen Car Insurance

For parents, having a teen driver in the house can be cause for mixed emotions. On the one hand there’s the added freedom of having another driver who can run errands and no longer needs to be...

EMC Insurance: New Technologies Complicate Windshield Replacement

EMC Insurance: New Technologies Complicate Windshield Replacement Auto windshields can be damaged in a variety of ways, ranging from rocks to storm damage, accidents to extreme temperature...

EMC Insurance: Drones 101 - Tips for Your Company’s Written Policy

Drones - or Unmanned Aircraft Systems (UAS) as the Federal Aviation Administration (FAA) calls them - have become a hot tech trend. Their current and projected use increase nearly every day. They...

EMC Insurance: OnCall Nurse Hotline

How does your organization handle on-the-job injuries? Unless you have a health professional on-site for all work shifts, the injured employee or a supervisor will likely have to make a snap...

AIG: A reminder about frozen pipe prevention

  Bitter cold, snow and ice continue to blanket many areas of the country, and we still have much of the winter season to go! Click Here for a quick reminder from AIG about safeguarding your home from...

Pekin Insurance: Avoid These Mistakes When Naming a Beneficiary

One of the most important decisions you make when buying a life insurance policy is naming the beneficiary. After all, that person, or persons, is the reason you’re buying the insurance; you want...

EMC Insurance: 3 C’s for Safer Sprinkler Systems

Out of sight, out of mind is risky when it comes to sprinkler systems, says EMC Risk Improvement Engineer Kody Daniel. Because sprinklers are silently at the ready in case of an emergency, it’s easy...

EMC Insurance: 8 Steps to Simplify Your Risk Management Program

Figuring out how to manage the many risks your organization faces can be a difficult process. Issues range from natural disasters, such as tornados and hurricanes, to man-made issues, such as...

Pekin Insurance: The 5 Best Home Security Apps for iOS and Android

We discussed last month the potential that exists for a variety of new home security vulnerabilities and concerns with the increase in Smart Home Automation. Thankfully, Pekin Insurance has found the...

Travelers: OpenHouse

To imagine your future in a home, it helps to know about its past. Travelers teamed up with BuildFax™ to help open the door to permitted updates and repairs that have been done on your prospective...

Safeco: Let us know about your new furry friend. Here's why...

New Pet? Here’s Why You Should Let Us Know Your new best friend finally arrived home from the local animal shelter, and he’s taking in his new surroundings, appreciating the softness of his bed and...

EMC: Choosing Drivers - What You Don’t Know Can Hurt You

Choosing Drivers - What You Don’t Know Can Hurt You Are you putting the right people in the driver’s seat of your vehicles? A driver’s past driving behavior is a good indicator of future accident...

EMC: New OSHA Reporting Rule in Effect Now

New OSHA Reporting Rule in Effect Now With a new OSHA rule in place that affects more employers than in the past, your company may need to change how you report and submit injuries and illnesses....

EMC: Designated Physicians Are Good for You and Good for Your Employees

Three workers were injured on the job. Although the injuries were not life threatening, the first worker immediately rushed to the emergency room for treatment. The second worker visited his...

The Hartford: Home Based Business Insurance

Get the coverage you need to protect your home-based business. If you run a business out of your home, you need to ask yourself a few very important questions:   Do customers or clients come to...

More Than 40 Percent Of Small Businesses Will Experience A Claim In The Next 10 Years

HARTFORD, Conn.--Four out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years, according to an analysis of The Hartford’s small business claims....
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