Do your business operations include employees who drive? If so, their daily job includes sharing the road with other drivers; many of whom are pairing driving with another activity such as texting, eating and drinking, or adjusting the stereo, entertainment or navigation system. According to the National Highway Traffic Safety Administration, 80% of accidents…
We’ve all heard the saying, “An apple a day keeps the doctor away,” but did you know that preventive maintenance and routine checkups are necessary to keep your contractors’ equipment healthy, too? When developing a maintenance program, the best tool to reference is the owner’s manual for each piece of equipment. The owner’s manual generally…
A business may consider its investments, properties and equipment as assets, but what about its employees – key employees in particular? A key employee is an individual who possesses certain skills or abilities that are crucial to the organization and its operations. If this individual were to pass away, the organization could incur a…
The word “audit” can increase a person’s heart rate and send butterflies racing to their stomach, but a commercial insurance premium audit should not be an occasion for worry. The annual audit process ensures that you pay only for the exposure presented by your business operation. Informing our agency of changes to your business operation…
May is “Disability Income Awareness” month, which makes this a good time to share information about the benefits of disability income insurance. Think of this coverage as insurance for your paycheck, as this product can help protect your earned income if your health suffers a setback. Did you know: More than one in four of…
Keep your heating systems operating: Keep your building and equipment warm. Heating systems are the lifeline of your business during cold conditions. If they fail, disaster could strike. Immediate action required: All piping must be insulated. Install new and replace damaged insulation where necessary, and don’t forget to examine your sprinkler system. Inspect all…