International Travel
For this topic, it is recommended you use the US Department of State’s web site and resources provided below. International Travel <- Click Here
ADA Guide to Service Animals
ADA Guide to Service Animals The ADA explains what businesses and state/local governments must do to make sure that they do not discriminate against a member of the public with a disability who uses a service animal. Generally, businesses and non-profits that are open to the public as well as state/local governments must allow service [...]
The Importance of Documenting Customer Incidents on Your Property
Running a successful business involves more than just providing quality products and services; it also requires meticulous attention to customer incidents that occur on your property. Whether you manage a retail store, a restaurant, a hotel, or any other type of establishment that welcomes customers, documenting these incidents is a crucial aspect of ensuring customer [...]
What is Spoliation?
What is Spoliation? Spoliation is the destruction of evidence, whether negligent or intentional, that should be preserved for a lawsuit. Depending on the jurisdiction, a spoliation claim may be brought as an independent cause of action or may be raised as the basis of a discovery dispute or seeking an adverse presumption against the [...]
Spoliation of Evidence 101- What to do Today to Help Win Tomorrow
Courts across the country have long held that the obligations of an owner or manager of a commercial property that is open to customers include a duty to ensure the customer’s safety, while they are on the premises. Similar duties exist in every state that require commercial vehicle owners to ensure those vehicles are maintained [...]
Preserve That Video- Claims Insight from a Defense Attorney
Not long ago, I saw a football player working out hard in a gym during the offseason. He was wearing a t-shirt that read, “Championships are won in the offseason.” I found the sentiment profound and surprisingly applicable to the defense of personal injury cases. Our cases are often won or lost before a lawsuit [...]
Social Inflation
Social inflation is the trend of rising insurance costs due to increased litigation, plaintiff-friendly judgments and so-called “nuclear” jury awards – also shows no signs of slowing, and litigation funding is an added concern for insurers (insurance companies and insurance markets). With the rise in inflation, claim costs in several lines of coverage including commercial [...]
Are You Prepared for a Property Claim?
Being prepared for a property loss is critical to minimizing the total cost of a large loss and its impact on future premiums. A major property loss is rare, but most insureds do have losses. Since handling a loss is not a normal part of your daily routine, it can raise many questions and potential [...]
Restaurant Safety Surveys- Is your restaurant safe?
A safety survey can help save you money in future premiums by identifying unsafe conditions before an injury occurs. As an Owner/Operator, you are responsible for providing a safe environment for your customers and employees. Conducting your own restaurant safety surveys will allow you to cost-effectively identify problems and get them fixed before someone is [...]
Video Camera Placement
When placing cameras, you want to eliminate any “blind spots” and also focus on covering areas that will provide value (i.e. high foot traffic versus bare walls).
Invest In Upgrading Your Camera System
Video surveillance system continue to evolve with new technology to better help to protect your restaurant, customers, and crew. Today we see many camera possibilities, cameras that operate in low light with high resolution color, monitoring with storage capabilities of 1 year, and cameras that include audio surveillance.
Conducting An Effective Safety Travel Path
When it comes to safety of our customer’s there are a few key areas that should be included in your restaurant travel paths.
Preparing, Responding, and Recovering from Emergencies and Natural Disasters
Preparing, Responding, and Recovering from Emergencies and Natural Disasters If a natural disaster hits, we want to help our customers take the steps to help keep their doors open. A business that can't open after a disaster loses money daily. Click here for more information
Manager’s Safety University
https://vimeo.com/388713186 CLICK HERE to register and complete the training.
Managing Claims and Preventing Reoccurrence
We hear employers all the time saying, "I think the claim is fraud", "I don't agree with the insurance adjuster", "It was just bad luck", etc. As a first step, the following should always be researched for insight: 1.) What did the video footage reveal? Was video 30 minutes prior and 30 minutes after saved? Was [...]
Box and Bag Cutters
These box cutters can keep your employee's safer
Workers Compensaton: Claims Management Checklist
Easy for to use to make sure that your employee claims are investigated, tracked, and filed the right way, every time. Proper claims management can greatly reduce potential for litigation, and also prevent like injuries from happening again.
Profit Sheet: Safety Meetings
Profit Sheets outline the top 10 major cost drivers for Owner/Operators in regard to employee injuries. In this sheet, the importance of safety meetings in reducing costly injuries is discussed, along with references to safety materials that may be used during meetings.
Profit Sheet: Motor Vehicle Accidents
Profit Sheets outline the top 10 major cost drivers for Owner/Operators in regard to employee injuries. In this sheet, causes of motor vehicle accidents, ways to reduce cost and exposures, and trainng materials are discussed.
Profit Sheet: Claims Management
Profit Sheets outline the top 10 major cost drivers for Owner/Operators in regard to employee injuries. This sheet discusses how claims 'head south,' and lead to litigation, similar injuries from occurring, as well as what you can do to prevent this from happening.
Reporting Suspected Fraudulent Claims
Article outlining insurance fraud, plus the importance of proper reporting procedures.
Workers Compensation – Fraud Warning Signs
Article outlining the common indicators of Worker's Compensation fraud, and the importance of reporting concerns to the insurance carrier when reporting the claim itself.
7 – LIVE BY CHANCE OR DESIGN
Article outlining the 7 Day Rule in regards to Worker's Compensation costs. In addition to various laws regarding reporting of injuries, returning employees to work after an injury, within 7 days, can reduce the hit to your insurance premiums.
FORM: Employee Accident/Incident Investigation Form
A ready to use accident investigation form, complete with instructions on helpful items to look for, to properly investigation the injury and prevent reoccurrance, as well as fraud prevention.
QUICK PRINT: Work Comp Claims Management
Claims management guide, to include investigation, how to interview witnesses, determining root cause, and other important items.
Accident Investigation – Stop Injuries Now
Safety programs are designed to prevent injuries from occurring. Yet, no matter how detailed the program is, sometimes an injury may occur. When an injury does occur, the Owner/Operator is presented with an opportunity to learn from this injury and prevent similar ones from happening again. Reducing the chances for a similar type of injury, [...]
Preventing Fraud in the Workplace
Article on how to reduce exposure to fraudulent Worker's Compensation claims. Expands into investigation, claims reporting, hiring of the right employees, and training.
Insurance & Safety – Best Practices (The Basics)
Best practices on claims handling, safety and loss control, plus specific injury issues.
What You Don’t Know Can Really Hurt You
Article discussing the hidden costs of employee injuries, which can be 5 - 10 times greater than the direct costs. Costs include lost time, hiring and training of new employees, reduced productivity, etc.
Workers Compensation Fraud Types
Ways to recognize the various types of Worker's Compensation fraud, and methods of prevention.