The Safegard Group, Inc.

FSA Limit will Increase for 2020

FSA Limit will Increase for 2020

The Affordable Care Act (ACA) imposes a dollar limit on employees’ salary reduction contributions to health flexible spending accounts (FSAs) offered under cafeteria plans. This FSA limit is indexed for cost-of-living adjustments and may be increased each year. On Nov.
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Avoid On-the-Job Accidents

Avoid On-the-Job Accidents

Your job is an unpredictable one and hazardous conditions could arise in a variety of situations, especially considering the customers you encounter throughout the day. However, on-the-job accidents can be avoided by focusing on safe practices and taking necessary precautions.
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Home Equipment Breakdown Coverage

Home Equipment Breakdown Coverage

One nightmare that many homeowners often forget to prepare for is an important piece of home equipment unexpectedly breaking down. It’s not just the immediate struggle of being left without hot water or air conditioning that homeowners have to worry
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Investigating a Sexual Harassment Claim

Investigating a Sexual Harassment Claim

Receiving a sexual harassment claim from an employee is a delicate situation. Employers must consider how they will respond to the complaint, how they will investigate the allegations and what guidelines they will use to assess the complaint’s validity. Ultimately,
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Builders Risk Insurance Basics

Builders Risk Insurance Basics

Building and construction projects are complicated with no shortage of things that can go wrong. With everything that can happen during the construction process, it is essential to have the proper insurance in place. Of all of the different insurance
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Hazard Communication to Ensure Your Safety

Hazard Communication to Ensure Your Safety

Through the course of your job duties, you may be required to work with dangerous chemicals. An employer should be dedicated to ensuring your safety and have a Hazard Communication Program in place. The goal of this program is to
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Bakeries: Common Exposures

Bakeries: Common Exposures

Running bakeries can be demanding, and it’s a constant challenge for owners to deliver exceptional goods while maintaining profitability. These challenges are magnified when you consider the need to balance risks related to property damage, premises liability, equipment breakdowns, crime
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Reduce WC Claims with Ergonomics in Health Care | Risk Insights

Reduce WC Claims with Ergonomics in Health Care | Risk Insights

You can take measures to reduce the physical strain on your employees by practicing and encouraging ergonomics, the science of designing tasks to fit the physical make-up of the workers. Proper lifting equipment, training, and modification of tasks will prevent
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Sleep and Electronic Devices

Sleep and Electronic Devices

The personal electronic devices that help make your daily life easier may be doing the opposite in regard to your nightly sleep habits. If you’re having a hard time falling and staying asleep, devices like your cellphone, TV and tablet
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Backing Up Vehicles Safely

Backing Up Vehicles Safely

Backing up a vehicle, whether it is a heavy dump truck or a small automobile, can be a difficult task with a lot of dangers involved. In fact, many accidents occur when vehicles are backing up at only 5 mph,
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3D Printing and Your Supply Chain

3D Printing and Your Supply Chain

At one time, the concept of 3D printing may have seemed like science fiction. These days, however, the technology is revolutionizing how companies across a variety of industries—including engineering, medical, biotechnology, education and manufacturing—are able to design, develop and distribute
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Silica Safety for Hand-held Power Saws | Safety Matters

Silica Safety for Hand-held Power Saws | Safety Matters

Hand-held power saws can be useful tools on the job site due to their portability and versatility. However, when these tools are used to cut masonry, concrete, stone or other silica-containing materials, workers can be exposed to dangerous dust; silica
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The Elements of a Product Liability Prevention Program

The Elements of a Product Liability Prevention Program

Your customers expect you to have safe and reliable products, and failing to meet these expectations can lead to huge financial losses. If one of your products hurts a customer in any way, they can sue your business, leading to
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Amazon Announces Virtual Medical Clinic for Its Employees

Amazon Announces Virtual Medical Clinic for Its Employees

On Sept. 24, 2019, Amazon announced on a website, Amazon.care, that it is launching a virtual health clinic for its Seattle-based employees and their families. Amazon is working with Oasis Medical Group, a Washington state-based company, to provide the telemedicine
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Are You Prepared if Disaster Strikes?

Are You Prepared if Disaster Strikes?

From fires to floods, earthquakes to hurricanes, disaster can strike anytime, anywhere, and often with little to no advance warning. According to the Insurance Information Institute, as many as 40% of businesses forced to suspend operations due to a natural
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