Blog 360



Over the years as a risk manager, I’ve come across useful information to better serve my clients.  If you would like to receive the blogs when they are published, just check the subscribe button and you’ll receive them automatically.




Contingency insurance coverage with below market lease arrangements.
Commercial property vacancies remain high across the country. Economists and commercial real estate professionals paint a less-than-pretty picture for commercial property owners and landlords in the near future. Empty or partially empty buildings produce no income (and create other claims problems that arise out of vacancy). Tenants, like buyers on the residential side, are in
Maintaining safety in a bi-lingual workplace.
A productive and safe workplace hinges on the quality of communication between management and workers. Language and cultural barriers that emerge in a bilingual workforce can contribute to miscommunication and on-the-job accidents and injuries. Because employees that do not speak English generally hesitate to ask for help when they do not understand, every employer with
Floor opening safety precautions – Preventing falls while working near floor openings.
There is nothing worse than hearing about a mechanical contractor carrying a large box across a floor only to fall through a protected opening that was just opened by another worker and left unprotected.  My father in law this past June fell through an opening that was camouflaged with a piece of rolled insulation.  He was able
Fall protection while installing roof trusses – dancing with danger.
Accidental falls are the leading cause of death for construction workers. OSHA requires fall protection measures for residential construction activities 6 feet or higher above lower levels. Over the years, we’ve had clients that either had an employee fall or knew a business where their employee fell to ground while either framing or installing a
Using a cell phone while driving is risky business.
Cellphone use has become commonplace, and text messaging, e-mailing and conducting business via cellphone have become routine. While the convenience of cellphones can be enormous, problems arise when using a one while driving. A Nationwide Insurance poll found that 81 percent of cellphone owners admitted to talking on a cellphone while driving.  While employers may be
Preventing Claims While Disciplining and Terminating Employees
Disciplining and terminating employees is an unpleasant task that brings high-risk exposures for employers. If you’re not careful, disciplining or terminating a difficult employee could end up getting you in trouble. Employee lawsuits can be expensive—even catastrophic for smaller firms—to litigate. They are also time-consuming and emotionally draining, and they can create tension in your workplace. What