Power lines are a serious and potentially fatal hazard to workers when safety precautions are not followed. Electrocution remains a major cause of deaths in the landscaping and construction industries. Cranes, backhoes, dump trucks, drill rigs and aerial lifts are common types of equipment involved in contacts with overhead power lines. However, low-tech equipment like ladders, tools and tool extensions, and scaffolds…
A wave of increased litigation will likely emerge as workers who have been laid off see their savings run low and start to look for alternative sources of income. The key to addressing this phase will be how organizations conduct layoffs. Companies that initiate layoffs with little forethought and guidance may see a rise in workers compensation claims and experience…
The Centers For Disease Control and Prevention (CDC) has issued clarification and guidance on COVID-19 and treated recreational water venues. The advice and answers provided are useful to swimmers, swim programs and swimming venues. Can the COVID-19 virus spread through pools, hot tubs, and water playgrounds? There is no evidence that COVID-19 can be spread to humans through the use…
Please join us to learn from two of Amerisure’s risk management experts about protecting your workplace from the unique risks posed by COVID-19. We’ll discuss: Your company’s role in responding to the pandemic Initial steps for safely bringing back employees once your facility is open Daily access procedures General employee work practices and controls Protocols for employees while they are…
The National Council on Compensation Insurance (NCCI) is acknowledging the circumstances around COVID-19 and expediting a rule change that will address the question of payroll for furloughed employees as it relates to the basis of premium. Currently, payroll is included in calculating the employer’s workers’ compensation premium. A workers’ compensation premium is based on payroll. “The rule change is going…
As a business owner and employer, COVID-19 has likely caused major changes in the way you are operating your business. As we now look to reopening the economy and other segments of business, you should be prepared for when an employee falls ill or tests positive for COVID-19. OSHA has provided Guidance on Preparing Workplaces for COVID-19. In addition, you should consider…
Several factors make vacant and idle facilities particularly vulnerable to loss. The most common property perils facing a vacant and idle facility include fire, vandalism, and inclement weather. While these perils are also present for operating facilities, they are magnified when a facility is vacant, operating on a skeleton crew, or idled. During this period of uncertainty and reduced staffing…
Although the health and safety of our community is our number one priority during the COVID-19 outbreak, there are many concerns surrounding the degree and duration of disruptions to business activity and daily life. Mandatory and voluntary quarantines, social distancing to groups of 10 or less, restricted travel, and business closures are increasing measures being taken around the United States.…
The National Flood Insurance Program (NFIP) recently announced changes effective April 1, 2020. These changes include: Premiums will increase an average of 9.9%. The Reserve Fund Assessment will increase to 18% and the Severe Repetitive Loss premium will increase to 10%. Primary Residence Determination – when the property address and mailing address match, no additional documentation will be required before…
