The Safegard Group, Inc.

Handling Insurance Carrier Recommendations

Handling Insurance Carrier Recommendations

As a business owner, you take on a certain level of risk—it’s unavoidable. Losses related to fires, floods, workplace accidents, products liability and other kinds of exposures are common for organizations of all kinds. To address these concerns, the right
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Be Prepared: Severe Weather

Be Prepared: Severe Weather

In a severe weather emergency, all  employees should be aware of their responsibilities and the actions they should take to protect themselves and others. General Severe Weather Safety Practices If severe weather is threatening, tune in to local radio or
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IRS Confirms ACA Pay or Play Penalties Still Apply

IRS Confirms ACA Pay or Play Penalties Still Apply

The IRS Office of Chief Counsel recently released an information letter regarding the employer shared responsibility (pay or play) penalties under the Affordable Care Act (ACA). This information letter confirms that the pay or play penalties continue to apply for
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Fire Emergency: Be Prepared

Fire Emergency: Be Prepared

In a fire emergency, all employees should be aware of their responsibilities and the actions they should take to protect themselves and others. General Safe Practices a Fire Emergency If an employee sees or smells a fire, the fire department
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Does Your Auto Insurance Cover Rental Cars?

Does Your Auto Insurance Cover Rental Cars?

When renting a car, the rental company will typically ask if you’d like to purchase insurance coverage for the vehicle. It’s at this point when you have to ask yourself: Do my personal insurance policies provide the coverage I need
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Be Prepared: Workplace Violence

Be Prepared: Workplace Violence

All business should be committed to preventing violence in the workplace. In order to keep the workplace as safe as possible, please observe the following guidelines: Identifying Your Risk of Workplace Violence Workplace violence can include actions or words that
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New Jersey Bans Salary History Inquiries

New Jersey Bans Salary History Inquiries

On July 25, 2019, New Jersey enacted a new law that prohibits all employers in the state from asking job applicants about their past salaries or using past pay information to screen applicants for employment consideration. The new law, which
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Opioids in the Workplace

Opioids in the Workplace

You’ve heard of painkillers and how they can help manage your worst ailments. However, you may not be familiar with the side effects that come with them. Addiction to prescription painkillers, or opioids, is a national emergency. Nearly 100 Americans
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Pennsylvania Anti-Indemnification Statute

Pennsylvania Anti-Indemnification Statute

A look at proposed Pennsylvania legislation that would clarify indemnification responsibility in construction contracts co-authored by Safegard Commercial Insurance department’s Doug Houck and Kelvin Zimmerman. Overview of Anti-Indemnification Statutes In construction contracts, indemnity clauses typically require one party (indemnitor) to
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Safety Meeting Basics

Safety Meeting Basics

According to the Occupational Safety and Health Administration (OSHA), one of the most effective ways to promote a safe working environment is to get involved in a company safety meeting. Since safety is our top priority, we’ve gathered some tips
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Capital One Data From More Than 100 Million U.S. Customers Involved in Data Breach

Capital One Data From More Than 100 Million U.S. Customers Involved in Data Breach

Capital One announced on July 19, 2019, that the personal information of more than 100 million of its U.S. customers was compromised in one of the largest data breaches involving a bank. In an official release from the company, Capital
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Understanding Your Workers’ Compensation Experience Mod Factor

Understanding Your Workers’ Compensation Experience Mod Factor

A key to understanding your workers’ compensation premium is the experience modification factor, also known as your mod. Understanding your company’s mod and the data used to obtain it helps you identify ways to minimize your workers’ compensation premium. Who
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Make Sure You Aren’t Grounded by the Real ID Act

Make Sure You Aren’t Grounded by the Real ID Act

Don’t miss an important meeting or family gathering, and don’t be that person who makes everyone else wait in line. Real ID is set to become a new requirement in the security process for flying in the United States, and
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Accident Prevention

Accident Prevention

We all know that safety is important, but do you realize just how costly a workplace injury can be? When all is said and done, injuries can cost business owners hundreds of thousands of dollars, so why not practice better
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Abuse and Molestation Liability

Abuse and Molestation Liability

The possibility of a costly abuse claim arising is a very real threat for organizations that provide care or services to vulnerable populations, including children, the disabled and the elderly. Abuse can take a variety of forms as it can
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