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Many companies use "lean manufacturing" procedures to streamline product...view the potential impact of your manufacturing procedures on workplace safety.

... damages for losses related to manufacturing or selling products or other good...hree types of products claims Manufacturing or production flaws that creat...

...all operation, more obvious in manufacturing. Corrugated box manufacturing has been reorganized into several...

USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 19 offices across the country and the ability to write in all 50 states. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions.

...grocery stores, hotels or motels, package stores, special events, breweries, w...

Milder days offer a prime opportunity for spring cleaning and home maintenance. After a long winter, be sure to spend some time on preventive measures that will help maintain your home and property all year long. From cleaning out your gutters and checking for dead trees and branches, to cleaning and inspecting your home mechanical systems such as your heating and air conditioning equipment, we offer ways to help make spring a season of safety. Download our spring home maintenance checklist > Inside Your Home Check your electrical outlets for potential fire hazards, such as frayed wires or loose-fitting plugs. Make sure outlets, fuse boxes and extension cords are not overloaded. Move your multi-purpose fire extinguisher to an accessible place, and make sure it is filled and ready for operation. Have your air-conditioning system inspected by a professional as recommended by the manufacturer. Check your water heater for leaks and corrosion. Clean or replace your furnace filter. Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material. Inspect your smoke detectors. Make sure there is one on each floor of your home. Test them monthly, and change the batteries annually or as needed. Check the light bulbs in all your fixtures. Be sure they are the correct wattage as recommended by the manufacturer. Replace all high-intensity bulbs with fluorescent bulbs. Other types of bulbs, like incandescent, produce more heat than fluorescent bulbs. Outside Your Home Check for damage to your roof. Clean gutters and downspouts to keep debris from accumulating. Remove dead trees in your yard. Keep healthy trees and bushes trimmed and away from utility wires. Safely store oil and gas for lawn equipment and tools in a vented, locked area. Repair cracked, broken or uneven driveways and walkways to provide a level walking surface.

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Loss limit policies insure property on an occurrence basis to a limit of the probable maximum loss rather than an actual total property value. If a manufacturer has ten locations in ten states each valued at three million dollars including contents, the probable maximum loss might be three million dollars. No one storm, earthquake, or fire will destroy any two in one occurrence. If all ten locations are within a mile of the east coastline, a hurricane might destroy several plants, for a probable maximum loss of, say for example, nine million dollars. In the first case, the policy limit might be four million, in the second, maybe ten rather than thirty million. This method of valuation provides insurance for very high value risks or when some portion of the risk is hard to reinsure. Reinsurance is a spread of risk system for all insurance companies. For very high value risks, sometimes it is not possible to reinsure the total value of property. Insurers and reinsurers each have a maximum limit per loss. Windstorm, flood and earthquake hazards can be difficult to insure. Insuring all locations with a single maximum loss is a way to get some insurance for all locations. Loss limit policies tend to be more expensive because total losses are theoretically many more times as likely. Co-insurance became popular with insurance companies because insureds only wanted to buy enough insurance for the probable maximum loss on a single property. Loss limit policies can be viewed as total protection without a coinsurance clause. The insurance underwriter goes into the process with eyes wide open about pricing each occurrence for ten potential first dollar losses or one catastrophic loss. The principles of spread of risk and actuarial loss prediction remain constant but apply differently. If you have a portfolio of properties spread geographically, with perhaps a few in hurricane or earthquake zones, review your loss limit options.

Protect your Friends and Family as you Beat the Heat. Warmer weather means more outdoor activities for the whole family, including cooling off in the pool. We want to help you make sure that you, your family and guests are safe. Here are a few tips that can help you stay safe while you have fun: Always supervise swimmers and have life-saving equipment nearby: Maintain secure fencing and a locked entrance around the pool and deck area to prevent access when adequate supervision is not available. Install self-closing and self-latching gates. Make sure no one swims alone. Never leave a child unattended in the water or pool area, and make sure less experienced swimmers are always accompanied by a swimmer who has water life-saving skills. Equip your door, gate or pool with an audible alarm to alert you if someone enters the pool area or falls into the pool while it is unattended. Diving should be prohibited unless a specific area of the pool is designated for safe diving. Water depth and diving-restricted areas should be clearly marked. Make sure there is adequate life-saving equipment in the pool area, including life preservers and a rope with life-saving rings, a reaching pole or rescue hook. Regularly maintain your pool during the season to keep swimmers and sun-bathers safe: Keep chemicals safely stored away from the pool area. Follow all storage and usage instructions recommended by the pool chemical manufacturer. Be sure electrical devices, including outdoor entertainment systems, are away from pools or wet surfaces. When using electrical devices outdoors be sure to plug them into a GFCI (ground-fault circuit interrupter). Keep the pool area clear of glass bottles, toys or other potential accident hazards. Inspect the liner. Rips and tears can appear undetected at the top of the lining.  Check for signs of wear and tear in areas where pipes or other items may have penetrated the liner (e.g., skimmers, hoses, etc.). For above ground pools, check metal supports for rust or deterioration. These may indicate areas where the pool could rupture or a person could be injured. Check the deck for safety hazards (e.g., protruding nails, loose boards, etc.). Ensure your pool has compliant anti-entrapment drain covers. Inspect them regularly to confirm they are not broken or missing. Visit the Virginia Graeme Baker Pool and Spa Safety Act (P&SS Act) for additional information.  This act applies for all outdoor and indoor structures intended for swimming or recreational bathing, including in-ground and above-ground pools, hot tubs, spas, whirlpools and non-portable wading pools.

Specializing in small to mid-size risks, from traditional to hard to place, our Property and Casualty division can help you. Over the years we have developed the expertise to solve your client’s property risk challenges and have the niche to meet their needs. Your client has specific needs when it comes to their Property and Casualty needs, and we can deliver!