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...ed drills give you an idea of how workers might actually react in an emergency...utes. The locations of stairwells (workers should not use elevators to evacu...

...is a national leader in wholesale workers’ compensation insurance. We offer access to nati...

...as become the leader in Wholesale Workers Compensation Coverage. We can offer you and you...

Not many people pay close attention to their teeth, unless they are having a tooth ache. Going to the dentist is a choice that most hate to make and try to avoid. This may be why tooth decay is the second most common disease in the world.

... tornado, you'd want to have your workers sheltered in a safe place inside you...dures for them. Make sure that these workers are able to recognize when to aba...

...ns. Communicating, training and drilling are all essential elements to includ...

The Maritime Employers Liability policy typically provides coverage for an Insured’s employees while working on non-owned or operated vessels. Coverage placements are also available for employees whose duties on owned vessels are not to act as captain or crew.

Safety is more than a set of activities focused on accident prevention. It is a way of thinking about how you work, and it should be at the heart of any successful company. Weaving safety into your company's mission, policies and procedures is a great way to demonstrate its importance and ensure its effectiveness across your company. It should be about a shared vision that is expressed by core values and behaviors, where everyone walks the talk. By addressing unsafe acts and conditions before they become accidents, you build your safety culture. Four Steps to a Safety Culture The following four steps can serve as a starting point in driving safety across your business. 1. Evaluate risks. To understand how to create a safer workplace, you must first understand the risks you face every day. Each task and associated risk should be properly evaluated, and safety-based changes should be considered. - Analyze past incidents and near misses. Understand that past incidents can help you identify root causes and identify risks and exposures that threaten the safety of your employees and the success of your business. - Identify the risks before they result in loss. Review your work policies and procedures, buildings and equipment, employee work practices and behaviors and geographic location to determine if there are opportunities to prevent or mitigate loss. And hold people accountable to the practices. 2. Design a plan to keep safe. A good plan is the best place to start, but it is only the beginning. Once you have a plan, you must act to eliminate or minimize risk. - Get commitment. Your management team should be committed to a safety culture from the beginning. - Stay focused. Keep focused on the risks and exposures identified during your evaluation. - Prioritize your efforts. Focus on the risks that pose the greatest threat. You should consider frequency and severity of the loss potential, and/or the opportunity to prevent or mitigate risks. - Identify solutions and resources. Your solutions can vary from implementing engineering controls to creating administrative policies and procedures. These can help create positive changes in safety attitude, commitment and culture. 3. Implement your plan. Implementation entails communication of the plan and its details, training, regularly scheduled practice and drills, and ongoing review. A thorough plan will cover a number of potential risk areas, including buildings and equipment, the environment, employees, customers and vendors. - Communicate and train - the real test of a safety program and culture is not what is written down on paper, but rather how well it actually works. How well your plan works is often dependent on what your employees know and what they do at the time of an incident. 4. Monitor, evaluate and improve your plan. As your business environment changes, so should your safety program. Regularly test your plan to determine if it fits the changing business environment and reflects changing accountabilities. - Monitor the plan and collect feedbackto determine the effectiveness of the plan. - Regularly compare your safety performance against the plan’s expectations. - Make adjustments when necessary. - Recognize success. Be sure to communicate and celebrate your safety successes. At Scurich Insurance Services, our team of risk specialists visit more than one hundred properties every day, and are able to share lessons learned and insights for helping create a safety culture. Start building your safety culture today. Learn more about developing your safety management program.

Playing outside isn't just for kids. It has tons of benefits for adults. One of the unexpected ones may be that it can lead to lower life insurance rates. It's not always easy to make yourself go outside and exercise, but knowing that the effort can keep you healthy and save you money can be enough for you get off the couch. The more fun you have exercising, the better the results will be. Benefits of Exercise Exercise burns calories and improves your health. Since life insurance rates are based on your health risk factors, regular physical activity can help lower your life insurance rates. These are some of the benefits of exercise. * Lower risk for heart disease and stroke. * Lower blood pressure. * Lower blood sugar levels and risk for diabetes. * Stronger bones. * Better mood. * Clearer mind. Make a Commitment to Exercise Set aside some time to exercise most days of the week. Aim for 30 to 60 minutes, but even 10 minutes is better than nothing. The trick is to find some activities that you love, and any activity that is fun and gets you moving is a good choice. These are some options. * Walk, jog, bike, swim laps, or hike. * Join a local sports league. On the days your league doesn't meet, train for your sport by doing drills, lifting weights, and getting in some cardio. * Take Zumba, boot camp or kickboxing in the park. * Go surfing. Take Advantage of Your Kids! If you have children, they're probably a significant reason why you have life insurance in the first place. Why not use them to help you get in shape? They'll keep you laughing while you exercise. * Play Tag, Follow the Leader, or Hide-and-Seek with younger children. * Play catch, shoot hoops, or kick a soccer ball with older children. * Walk around the field at your children's sports practices, and run to chase any stray balls. Everyone can find an activity that they love as long as they keep searching for it. Keeping yourself in shape will give you more energy and can keep your life insurance rates down.

...rk, such as tank installation or drilling. Contractors Pollution Liability ins...