Insurance Insights

Grounding a tool or electrical system involves creating a low-resistance electrical path that connects to the earth. A ground-fault occurs in a tool or electrical system when there is a break in this low-resistance grounding path. The electrical current may then take an alternative path to the ground through the user, resulting in serious injuries or death.

As the frequency and severity of extreme weather events increases, businesses need an up-to-date and proactive action plan to minimize the impacts of these events on their people and property.

While inflation has always been a concern within the commercial insurance market, over the past year inflationary pressures have influenced various sector trends – including labor shifts, employee wages, medical expenses and rate adequacy challenges.

An attractive nuisance is a potentially dangerous, man-made condition that exists on a construction site, vacant site or active site after-hours that draws trespassers—including children. If a child trespasses on site due to these conditions, the general contractor on the site can be held liable for any injuries sustained.

The importance of homeowners insurance cannot be overstated. After all, owning a home is a major investment. Should an unexpected disaster or accident involving you, your home or your personal property occur, a homeowners insurance policy can help ensure that your investment is properly protected.

When it comes to keeping workers safe on the job, nothing is more important than head protection. In the manufacturing arena, head injuries may be caused by falling, flying or fixed objects. When these types of injuries occur, they can lead to significant head trauma or even irreversible, long-term damage.

According to a recent study by the National Safety Council, the average workplace injury results in 21 days of disability. This means that some workers are able to return to work fairly quickly (if they even miss any time at all), while others experience long-term disabling effects from their job-related injuries.

The premise of defensive driving is simple—defend yourself against potential accident hazards. Doing so requires driving techniques designed to help keep both you and other drivers safe on the road. With this in mind, we’ve put together these essential defensive driving tips that you can implement the next time you get behind the wheel...