The Safegard Group, Inc.

2017 Most Frequently Cited OSHA Violations

2017 Most Frequently Cited OSHA Violations

The Occupational Safety and Health Administration (OSHA) recently unveiled its top 10 most frequently cited OSHA violations. The agency reports the leading causes of workplace injuries during its fiscal year (October through the following September). The 2017 top 10 list
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Liquor Liability Insurance

Liquor Liability Insurance

Serving alcohol is a common practice for restaurants, bars, catering companies, entertainment venues and similar establishments. While providing a wide array of beverage options is important, serving alcohol in particular can create a variety of risks for business owners. In order
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First-Aid Basics in Sports & Recreation

First-Aid Basics in Sports & Recreation

Below are some simple guidelines to help you provide first-aid for common injuries and emergencies that might occur in a sports and recreation setting. Shock Shock can result from a variety of injuries and circumstances. Common symptoms include the following:
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Opioids: Addiction, Escalation and Overdose

Opioids: Addiction, Escalation and Overdose

Sometimes, workplace injuries require serious medical interventions, including the use of powerful prescription medications. Opioids, a class of prescription medications that are all derived from the same plant as heroin, are a particularly powerful—and particularly dangerous—class of prescription painkiller, and
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Subrogation & Recovering Costs

Subrogation & Recovering Costs

An insurance policy, no matter what is being covered, is a contract between the insurance company and the party that wants protection. When a policy involves liability coverage, the contract, essentially, means that the insurance company will handle losses (injuries
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Farm Safety & Risk Analysis

Farm Safety & Risk Analysis

Farming still makes use of millions of workers in the U.S. and farm work remains dangerous due to the type of various activities, particularly with the use of farm implements and machinery. Since there are many family-run farms, farming is
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IRS Issues New Guidance on Qualified Small Employer HRAs (QSEHRAs)

IRS Issues New Guidance on Qualified Small Employer HRAs (QSEHRAs)

On Oct. 31, 2017, the Internal Revenue Service (IRS) issued Notice 2017-67 to provide comprehensive guidance on a variety of topics regarding qualified small employer health reimbursement arrangements (QSEHRAs). Small employers that do not maintain group health plans may establish
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Top 10 Threats to Small Businesses

Top 10 Threats to Small Businesses

A few simple strategies small businesses can take advantage of to identify and manage top risks, provided by The Safegard Group, Inc. Optimism is the fuel that drives the entrepreneurial spirit, so it isn’t surprising that most small business owners
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Preventing Job Site Theft

Preventing Job Site Theft

Although it is important for companies to trust their workers and the general public, the unfortunate reality is that theft can happen at any time. This is particularly true in the construction industry, where expensive tools and machinery are often
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IRS Announces Employee Benefit Plan Limits for 2018

IRS Announces Employee Benefit Plan Limits for 2018

Many employee benefits are subject to annual dollar limits that are periodically increased for inflation. The Internal Revenue Service (IRS) recently announced cost-of-living adjustments to the annual dollar limits for various welfare and retirement plan limits for 2018. Although some
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The Staggering Cost of Workplace Bullying

The Staggering Cost of Workplace Bullying

Workplace bullying can cause emotional and physical damage to employees; such damage often includes feelings of inadequacy and low self-esteem, which can lead to anxiety, depression, hypertension or migraine headaches. It can also cause financial damage to your company. You
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Employing the Best Drivers

Employing the Best Drivers

If you’re experiencing driver shortages, you may feel compelled to quickly fill an empty position to avoid undelivered cargo that’s costing you money; however you may end up spending more money in the long run if you hire unfit drivers
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New Cyber Vulnerability (KRACK) Puts Wi-Fi Networks at Risk to Hackers

New Cyber Vulnerability (KRACK) Puts Wi-Fi Networks at Risk to Hackers

Recently, Mathy Vanhoef, a researcher from a Belgium university, discovered a security flaw in Wi-Fi Protected Access II (WPA2)—a protocol that secures almost all modern, protected Wi-Fi networks. Through this newfound vulnerability, hackers can potentially gain access to encrypted information
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Stacked vs. Unstacked Coverage

Stacked vs. Unstacked Coverage

The Insurance Research Council reports that an estimated 1 in 7 drivers in the United States are currently uninsured. As a result, many car insurance companies across the nation offer specific coverage in the event that you get into an accident
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Prevent Sexual Harassment Liability

Prevent Sexual Harassment Liability

There are countless unique risks and liabilities associated with an educational facility. One such liability that has been highlighted in the media in recent years is the sexual harassment of minors. Some of the high-profile cases have involved legitimate instances
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