The Safegard Group, Inc.

Blockchain: What is it and How Will it Impact Business?

Blockchain: What is it and How Will it Impact Business?

The internet, smartphones and other online technologies have helped businesses streamline their supply chains and inventories. However, human error, software incompatibilities between vendors and a lack of transparency can cause even the most efficient operations to experience time-consuming and costly
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Legalized Marijuana and Employment: Off-duty Use and Drug Testing

Legalized Marijuana and Employment: Off-duty Use and Drug Testing

While all marijuana use remains illegal under federal law, most states have enacted laws that allow certain uses of legalized marijuana or a marijuana derivative. None of these laws place any restrictions on an employer’s right to administer drug tests
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Chris Santoleri Promoted to Assistant Vice President

Chris Santoleri Promoted to Assistant Vice President

We are pleased to announce that Chris Santoleri has been promoted to Assistant Vice President in our Commercial Insurance division. About Chris Santoleri Chris Santoleri has been with The Safegard Group for nine years, serving in various client relationship and
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Total Cost of Risk: Trucking Risk Insights

Total Cost of Risk: Trucking Risk Insights

Total cost of risk in insurance terms describes the cost of both pure and speculative risk. It is synonymous with the price of your risk management program. For example, if you are faced with a union strike, how do you
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Understanding Commercial Property Coinsurance

Understanding Commercial Property Coinsurance

Coinsurance is one of the most complicated and misunderstood terms in insurance. This concept is commonly included in a number of different policies, including property, health and directors and officers. However, coinsurance works differently for each type of coverage, and
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Using GPS to Help Manage Fleet Costs

Using GPS to Help Manage Fleet Costs

As the workforce in America becomes more mobile, so do the capabilities of employers to track their employees on the road. From a distance, accurately monitoring employee productivity, working hours, injuries, conduct and company property presents a challenge. The use
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ACA Individual Mandate Penalty No Longer Applies

ACA Individual Mandate Penalty No Longer Applies

On Dec. 22, 2017, President Donald Trump signed into law the tax reform bill, called the Tax Cuts and Jobs Act, after it passed both the U.S. Senate and the U.S. House of Representatives. This tax reform bill makes significant
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Selecting and Training an Injury Management Coordinator (IMC)

Selecting and Training an Injury Management Coordinator (IMC)

Even with the best safety programs in place, accidents can still happen. When an injury occurs, several parties can be involved: the injured worker, his or her supervisor, medical personnel, human resources and more. While all these people may be
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New Hire Announcement: Kelvin Zimmerman

New Hire Announcement: Kelvin Zimmerman

Please join me in welcoming Kelvin Zimmerman to The Safegard Group! In December, Kelvin began his full-time position with us as an Account Executive in the Commercial Insurance department. We are very confident in Kelvin’s abilities and look forward to him
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Off-Site Transitional Duty Programs

Off-Site Transitional Duty Programs

A valuable tool for controlling workers’ compensation costs for an employer is the implementation of an effective transitional duty program. Without this piece, employers can struggle to manage workplace injuries, and workers’ compensation claims are more likely to spiral out
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Data Breach: A Growing D&O Concern

Data Breach: A Growing D&O Concern

A data breach can be a devastating event, affecting a company financially and damaging its reputation with customers. But as a director or officer at your company, you face litigation risks based on the decisions you make following a breach
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Making a Flood Claim

Making a Flood Claim

Heavy rain, storm surge, hurricanes and other severe weather events can lead to devastating floods that cause extensive damage leading to a flood claim. According to the Federal Emergency Management Agency (FEMA), flood damage totaled over $8 billion in 2017
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Winter Weather Liabilities

Winter Weather Liabilities

The winter months bring more than just cold weather and shorter days; they bring the possibility for winter storms that may result in a snow- and ice-covered landscape. While it may be a winter weather wonderland for some, as a
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EEOC Removes Incentive Limits from Final Wellness Plan Rules

EEOC Removes Incentive Limits from Final Wellness Plan Rules

On Dec. 20, 2018, the Equal Employment Opportunity Commission (EEOC) removed the incentive limits from its final wellness plan rules. The rules allowed employers to offer wellness incentives of up to 30 percent of the cost of health plan coverage.
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The 3 S’s of Trenching Safely: Slope It, Shore It, Shield It!

The 3 S’s of Trenching Safely: Slope It, Shore It, Shield It!

Slope it, shore it, shield it, are words to live by if you or any employees are exposed to excavations. The Occupational Safety & Health Administration defines an excavation as any man-made cut, cavity, trench, or depression in the earth’s
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