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...y, Alarm Installation and Alarm Monitoring insureds the leading program...

...five-year period. Privately held companies face similar risks. These exposure...gle farm, other producers (and even companies selling different types of melon...

According to the FBI, an average of 2.1 million burglaries occurs each year. Your current renters or homeowners insurance will replace stolen items, but consider implementing several strategies that prevent burglars from targeting your clients’ home in the first place.

... to save 15% or more. Specialist companies still exist, but many generalist in...

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.

... Equipment. Communication and Monitoring devices. Take steps to make sure...

Contrary to popular belief, identity fraud does not always begin online. According to Travelers claim data, 44 percent of ID fraud cases happen when a person's purse or wallet has been lost or stolen. Thieves can use the information they find inside for ID fraud, so here are some critical steps to help protect yourself and your identity. Watch Your Wallet and Purse Many people store personal information in their purses and wallets, making it easier for thieves to commit identity fraud. Help secure your identity by keeping your purse and wallet in a safe place and carrying only essentials when you go out. Leave credit cards you will not be using in a secure place at home. Unless it is absolutely necessary, avoid carrying Social Security cards, birth certificates or passports as they contain key pieces of personal information thieves could use to steal your identity. Monitor Your Mail Whether you are sending or receiving mail, take steps to help keep it safe from prying eyes. Never put outgoing checks, bill payments or financial information in your unlocked home mailbox. When you need to send out sensitive documents, consider using a secure postal mailbox or send them from the post office. If you have not signed up for electronic statements, be aware of when your credit card statements are scheduled to arrive. If they are late, call the credit card company to confirm if the statement was sent. Be sure to shred old bills and unnecessary financial records containing personal information. Keep a Careful Eye on Your Credit According to our data, nearly half of ID fraud cases are committed using the victim's current accounts. On a regular basis, review your credit report and bank statements to monitor your accounts, and take these extra precautions: Make a list of all your credit card and bank account information, and store the list in a secure place, such as on a password-protected flash drive or in a fire-proof safe. Include account numbers, expiration dates, credit limits and phone numbers or emails of the customer service and fraud departments. If your card is missing or stolen, you will then be able to quickly notify your credit card provider to prevent fraudulent charges. Review your credit report and notify the credit bureaus of any mistakes. The U.S. Government Fair Credit Reporting Act gives consumers the right to receive one free copy of their credit report every 12 months from each of the three main credit bureaus (Experian, Equifax and TransUnion). Order one report from a different bureau every four months to see credit activity throughout the year. To order your credit report, visitwww.annualcreditreport.com. Keep Your Social Security Number Safe Social Security numbers are often used to open fraudulent accounts or to access financial information or assets. Do not have your Social Security number printed on your checks or allow merchants to write it on them. If a business requests your Social Security number, ask them why. If it is not a valid reason, do not provide the information they request. Also, never give confidential information to an unsolicited phone caller who claims they represent a financial institution or creditor. Instead, get the caller's name, location, phone number and reason for the call. Then call the phone number on your billing statements to verify the caller's identification. Get additional tips for helping protect your identity while you are online. Consider buying identity fraud insurance, a relatively inexpensive add-on to your renters or homeowners insurance policy. This coverage typically reimburses the cost of reclaiming your identity and rebuilding your credit, such as attorney's and notary fees and replacement of IDs. It is a low-cost investment against a high-expense crime.

With our Criminal Justice program your client can choose from a wide variety of broad coverage options with small deductibles and minimum premiums available where appropriate. Our carrier is the top market leading global specialist with a focus on underwriting complex risks.