The Safegard Group, Inc.

Youth Workers

Youth Workers

Hiring youth workers, many times to fill seasonal positions, can be an integral component to your organization’s hiring plan. Early work experience can also be a great opportunity for teenagers to learn important skills. To promote positive and safe work
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HSA vs. FSA vs. HRA vs. GAP Plans

HSA vs. FSA vs. HRA vs. GAP Plans

During my first week at Safegard I had the opportunity to learn from Kelly Wentzel, an account manager in the Employee Benefits Division, about different health insurance options for employees. The four components I was taught about were Health Reimbursement
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DOL Withdraws Worker Classification Guidance

DOL Withdraws Worker Classification Guidance

On June 7, 2017, the U.S. Department of Labor (DOL) withdrew a 2015 administrative interpretation on the worker classification guidance as employees or independent contractors. The withdrawal became effective immediately. Despite the withdrawal of this guidance, employers are still required
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Summer 2017 Intern Update #2: Rich Getting Started & Learning About Insurance

Summer 2017 Intern Update #2: Rich Getting Started & Learning About Insurance

Join us here for our Summer Intern Update from Jack Quirk, Rich Chakejian and Eric Edmunds! Jack, Rich and Eric will be chronicling their summer with The Safegard Group by detailing what they are learning and their experience with our insurance sales organization.
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Most Common OSHA Violations for Craft Breweries

Most Common OSHA Violations for Craft Breweries

With the growing popularity of craft breweries comes an increasing amount of OSHA violations. In fact, the amount of OSHA violations at breweries more than doubled between 2010 and 2015, according to the Bureau of Labor Statistics. 29 CFR 1910.146—Permit-required
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Home Value: The Importance of Insuring the Correct Value

Home Value: The Importance of Insuring the Correct Value

This era of the “Great Recession” has been a challenging one. Dramatic economic conditions have affected both the U.S. real estate market and the residential construction industry which can cause uncertainty in home value. National data collected over the past
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Summer Internship Program 2017: Rich Chakejian

Summer Internship Program 2017: Rich Chakejian

Rich Chakejian of Penn State University will spend the summer interning with us. Rich will experience a rotational format in which they will spend time in each of our primary business divisions (Commercial, Personal, and Employee Benefits). Amount of time per rotation
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How Employee Theft Can Devastate Any Business

How Employee Theft Can Devastate Any Business

Many business owners assume that their business is too small to be threatened by employee theft, or that all of their employees are honest and loyal. As a result, many businesses only take a passive approach to prevent fraud—responding to
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Americans with Disabilities Act (ADA)

Americans with Disabilities Act (ADA)

The Americans with Disabilities Act (ADA) is a federal law that makes it illegal for covered employers to discriminate against qualified individuals with disabilities in all employment practices, such as recruitment, compensation, hiring and firing, job assignments, training, leave and
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Avoid Heat Illness This Summer

Avoid Heat Illness This Summer

When it is hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself through sweating. However, in hot and humid weather, sweating is not enough and the result can be a heat illness. Staying Cool
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Sea Level Rise Impacting Flood Insurance

Sea Level Rise Impacting Flood Insurance

In my fourth week with Safegard, I was given the task of renewing the flood zone classifications for a certain company’s various addresses. As I entered the addresses into the “floodpro” website database, it made me think about the impact
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The Importance of Sleep

The Importance of Sleep

As employees struggle to balance work, family and social obligations, one thing that is often neglected is sleep. The Centers for Disease Control and Prevention (CDC) recommends that adults get seven to eight hours of sleep on average; however, most
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Annual Primary-excess Split Point Adjustments

Annual Primary-excess Split Point Adjustments

As you likely know, your experience mod plays an important role in determining your workers’ compensation premiums and is largely determined by the split point between primary and excess losses. For many years, this split point was set at $5,000.
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Common Exposures All Airbnb Hosts Should Consider

Common Exposures All Airbnb Hosts Should Consider

In today’s technologically advanced world, individuals have a unique opportunity to efficiently rent out their home, spare bedroom or other accommodations through Airbnb, an online hospitality company. For travelers, Airbnb is a convenient platform that provides affordable and flexible alternatives
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U.S. Aftermath of WannaCry Ransomware Yet to be Seen

U.S. Aftermath of WannaCry Ransomware Yet to be Seen

The WannaCry ransomware that has spread across 150 countries since Friday has appeared to slow down, but employees starting the workweek should be careful, as the effects in the United States are yet to be determined. WannaCry locks users out
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