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 [...]
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 [...]
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 [...]
It’s difficult to oversee day-to-day activities across all of your stores. It’s even more challenging to be physically on location managing critical claims, which require more time and money. The bottom line: customer and employee incidents can result in liabilities, hindering profit margins if measures are not in place to protect you from damages and [...]
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 [...]
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 [...]
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 [...]
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).
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.
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 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
https://vimeo.com/388713186 CLICK HERE to register and complete the training.
For the Latest On ADA – Please visit www.ada.gov
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 [...]
These box cutters can keep your employee's safer
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 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 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 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.
Article outlining insurance fraud, plus the importance of proper reporting procedures.
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.
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.
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.
Claims management guide, to include investigation, how to interview witnesses, determining root cause, and other important items.
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, [...]
Article on how to reduce exposure to fraudulent Worker's Compensation claims. Expands into investigation, claims reporting, hiring of the right employees, and training.
Best practices on claims handling, safety and loss control, plus specific injury issues.
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.
Ways to recognize the various types of Worker's Compensation fraud, and methods of prevention.