Property & Casualty

Protecting Vacant Property

Protecting Vacant Property

In a time when layoffs and foreclosures are widespread, your firm may be forced to manage vacant property. The insurance risks and liabilities associated with owning unoccupied property can be extensive. To ensure you are adequately protected, it is important
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Workplace Wellness Programs to Reduce Workers’ Compensation Costs

Workplace Wellness Programs to Reduce Workers’ Compensation Costs

By implementing workplace wellness initiatives, many companies are taking proactive measures to help with decreasing health issues affecting their employees. This is particularly important because of the following: The working population is aging, with the national average around 42 years
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Preparing for an  OSHA Visit

Preparing for an OSHA Visit

Use the guidelines below to help prepare for an OSHA visit and inspection. What triggers an OSHA visit and inspection? An OSHA visit and inspection can be triggered by any of the following: Planned inspection Complaint National/local emphasis program (e.g.,
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Benefits of Non-Owned Auto Liability Insurance

Benefits of Non-Owned Auto Liability Insurance

Regardless of the industry you operate in, it’s likely your employees need to operate vehicles for tasks like client visits, product deliveries and product pickups. While larger organizations often provide insured company vehicles to their staff for daily use, small
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Protect Your Business and Employees from Flu Season

Protect Your Business and Employees from Flu Season

Each year, flu season has a marked impact on businesses and employers. Flu season can cause increased absenteeism, decreased productivity and higher health care costs. As an employer, you are well-positioned to help keep your employees healthy and minimize the
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Addressing Sexual Misconduct Allegations with Insurance

Addressing Sexual Misconduct Allegations with Insurance

Allegations of sexual misconduct against politicians, celebrities and other public figures have become increasingly common in recent years. In fact, social movements and a strong public outcry have led to a marked increase in sexual harassment claims—claims that can be
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Critical Cyber Exploits Affect Nearly All Computers

Critical Cyber Exploits Affect Nearly All Computers

Cyber security researchers recently announced the discovery of two major security flaws that could allow hackers to bypass regular security measures and obtain normally inaccessible data from the cyber exploits. The flaws, referred to as Meltdown and Spectre, are both
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5 Ways to Prevent Workplace Harassment

5 Ways to Prevent Workplace Harassment

Workplace harassment is a form of employment discrimination that may violate federal laws like Title VII of the Civil Rights Act, the Age Discrimination in Employment Act and the Americans with Disabilities Act. The Employment Opportunity Commission (EEOC) issued a
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Tax Reform Bill Signed into Law

Tax Reform Bill Signed into Law

On Dec. 22, 2017, President Donald Trump signed the tax reform bill, called the Tax Cuts and Jobs Act, into law, after it passed both the U.S. Senate and the U.S. House of Representatives. This tax reform bill, drafted based
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Pennsylvania Workers’ Compensation – Employer Responsibilities

Pennsylvania Workers’ Compensation – Employer Responsibilities

The Workers’ compensation is a system of no-fault insurance that provides monetary compensation and medical benefits to employees (or their survivors) for work-related injuries, diseases and deaths. Workers’ compensation is governed by state law. The Pennsylvania Workers’ Compensation Act (WCA)
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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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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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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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The Economy and Your Liability

The Economy and Your Liability

An economy in a downturn often strikes worry among business owners and their employees in virtually every industry. Even companies that escape tough times relatively unharmed could still fall into the trap of uninsured risks long term, so The Safegard
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