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...uction has dramatically changed operations. Carefully check the class codes an...hink about which one reflects your operations. Or ask your agent to do it for ...

...dustrial Average, Travelers has operations in the U.S., Canada, U.K. and Irela...

... The faster you can return your operations to normal, the more likely you will...ks associated with a disruption of operations. It details steps to be taken be...

One of the best things about living in California is the gorgeous climate. It makes getting out and enjoying the outdoors an everyday occurrence. Considering how much water is available to residents in the state, combining your outdoor adventures with a boat, jet ski or wave runner brings a whole new level of fun to your life. Before you make arrangements to put your watercraft to good use, though, you need to make sure that you are covered in the event of an accident. California Watercraft Laws Each person who is on board a watercraft must be wearing a life jacket that has been approved by the Coast Guard. The approved types are Types I, II, III and V. Operating a personal watercraft such as a jet ski is prohibited between sunset and sunrise even if the craft is outfitted with the correct navigational lights. Only individuals that are aged 16 and older can operate a boat that is more than 15 horsepower unsupervised. Children between the ages of 12 and 15 can do so under the direct supervision of a person who is over the age of 18. There are also specific stipulations against negligent and unsafe behavior while operating a watercraft. Insuring Your Watercraft It is safe to assume that you need specialized insurance for your watercraft before you take it out to play. Rather than simply purchasing a cookie cutter insurance plan, however, work closely with your insurance agent to craft a customized insurance package that meets your unique needs. In most cases, this insurance plan will include liability in case you accidentally damage someone else's property or cause injury to another person. Collusion and comprehensive insurance is also a standard addition and protects your own boat and other watercraft in the event that it is damaged.

...-depth knowledge about business operations should be included. Four Steps...tely necessary to restore critical operations. Then prioritize the need to res...

... of exposures: Premises and Operations Legal Liability pays for injuries o...r premises, or resulting from your operations offsite. To learn more about ...

Accidents involving vehicles or mobile equipment (excavators, dumpers, etc.) on building sites kill more than a dozen workers a year and injure hundreds more. To help make sure that your workers and outsiders can move around your job sites safely,and keep your insurance premiums down, experts recommend using this checklist: Keep pedestrians and vehicles apart: have separate entry and exit gateways for pedestrians and vehicles provide safe pedestrian walkways that take a direct route where possible make sure drivers with access to public roads can see both ways don’t block walkways or vehicle routes install barrier between roads and walks Minimize vehicle movements: provide offsite parking control entry to the site have storage areas so that delivery vehicles don’t have to cross the site Control people on site: recruit drivers and equipment operators carefully make sure that drivers, operators, and those who direct traffic are trained manage the activities of visiting drivers Maximize visibility: provide mirrors, CCTV cameras or reversing alarms designate signalers to control maneuvers by drivers or equipment operators install lighting for use after sunset or in bad weather make sure that all pedestrians on the site wear high-visibility clothing Provide safety signage and instructions: ensure that all drivers and workers know and understand the routes and traffic rules on the site use standard traffic signs where appropriate provide safety instructions to all visitors in advance For a comprehensive – and free– review of vehicle and mobile vehicle safety practices on your job sites, just give us a call. We’re here to help at any time.

... to your business, based on its operations. It also makes sense to consider ad...

SALINAS, Calif. —Wednesday update for DISH satellite subscribers: Hearst Television Inc. announced that it has reached a retransmission consent agreement with Dish Network covering carriage of Hearst Television stations in the 25 Hearst Television markets. In a statement released Wednesday morning the company said: "We appreciate the support and patience of our viewers, advertisers and local communities served by our stations. We regret the inconvenience they’ve experienced over the past several hours. We are pleased the interruption was brief and that our stations have been restored on DISH Network systems." Hearst Television, a national multi-media company, owns and operates 29 local television stations and two local radio stations reaching approximately 18% of U.S. television households. The TV stations broadcast 60 video channels, featuring local and national news, weather, information, sports and entertainment programming, and local community service-oriented programs. The stations also host and operate digital on-line and mobile platforms that extend the company’s brands and content to local, national and international audiences. Hearst Television is recognized as one of the industry's premier companies, and has been honored with numerous awards for distinguished journalism, industry innovation, and community service. Hearst Television is a wholly owned subsidiary of Hearst Corporation. The Company’s Web address is www.hearsttelevision.com. Content provided by: http://www.ksbw.com/news/central-california/salinas/ksbw-notice-to-dish-satellite-subscribers/25332500#ixzz2yQgl3PGh

More and more, people are vacationing in their own backyards. If you have turned yours into a “staycation” hot spot, here are some safety tips to consider to help keep your oasis fun and free of danger. The Pool The pool can be a refreshing way to get some relief from the hot sun. But it can also be dangerous. Get your pool swim-ready by understanding some of the most common ways accidents occur, and then learning more about proper swimming pool safety and maintenance to help prevent them: Unsupervised access or swimming, either by lack of close supervision or by failing to properly secure the pool to prevent entry. As a pool owner, you are responsible for making sure that access is restricted and people cannot enter pool areas unattended. Injury by diving or jumping improperly, or from water around the pool or deck area that may cause someone to slip and fall. Defective or broken spa or swimming pool components. Drains are often a dangerous pool part that can cause circulation entrapment if not properly covered. Faulty pool equipment and old pool lighting can also cause electrical shock. Prevent swimming pool accidents before they occur. Learn more about swimming pool safety. The Grill During warmer months, you might enjoy having a backyard barbecue. But according to the latest statistics from the National Fire Protection Association, gas and charcoal grills have been involved in an average of 8,800 home and outside fires per year. Some of the main causes of grilling fires are: Placing the grill too close to combustibles, such as siding or an overhang. Failure to keep the grill clean. Grease or fat buildup can catch and spread fire quickly. A leak or break in the grill’s gas hose. Leaving equipment unattended. Misuse of material or product, including using incorrect starter fluids. Cook safely outdoors this summer by reading our grilling safety tips. Trampolines Trampolines can be fun for kids, but according to the U.S. Consumer Product Safety Commission, they are the cause of nearly 100,000 injuries each year.  Avoid being a statistic: Limit the number of jumpers to one at a time. Supervision is needed for children at all times. Remove trampoline ladders after use to prevent unsupervised access by young children. Anchor the trampoline and enclosure to the ground by using a trampoline anchor kit. Playsets Playsets can be enjoyed by children of all ages, but damaged or weather-worn playsets can cause accidents. Stay safe by: Supervising children. Regularly checking for sturdiness, rusty bolts and wood rot, and making necessary repairs. Ensuring playsets do not have openings between pieces that could trap a child’s head or neck. Placing playsets securely on level ground and on wood chips or other soft materials to cushion falls and help prevent injuries. Fire Pits Warm nights are the perfect time to roast marshmallows. But out-of-control fires can cause injury. Be smart: Place the fire pit in a safe spot away from your home, backyard deck or low-hanging tree branches. Always require adult supervision around the fire pit while it is in use and until it has cooled off. Never leave the fire unattended. Use sand to fully extinguish the fire. Let the coals cool completely before disposing of them in a metal container. Lawn mowers During the spring and summer months, lawn mowers can easily cause injury. Follow these tips for safety: Read the mower’s manual, heed safety and operating instructions and learn the controls. Do not allow children to ride as passengers on a lawn mower, and be sure to keep children out of the yard while mowing. Clean up toys and other objects, such as rocks, from the yard to help prevent injuries from flying objects. Never leave a running mower unattended. Never operate the mower in an enclosed place where carbon monoxide can accumulate. Never unclog or work on a lawn mower while the engine is on or when the spark plug is connected. Wear non-slip shoes (no open toes or heels), long pants and hearing and eye protection. Grilling Fires: http://www.nfpa.org/safety-information/for-consumers/outdoors/grilling Trampolines: https://www.cpsc.gov//PageFiles/137868/085%20Trampoline%20Safety.pdf