What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.
If you want to get a snapshot of your organization’s effectiveness, take a look at your meetings. Are they efficient and productive? Do their results justify the time and expense? Are meetings an occasion for collaboration,...
Read MoreRunning a bakery is a rewarding experience, but it's also a challenging one. Bakery owners must constantly deliver exceptional goods while maintaining profitability. This can be difficult, especially when considering the many risks...
Read MoreIn the digital age, cyber risk is a constant threat to businesses of all sizes. A data breach can have devastating consequences, from financial loss to reputational damage. That's why it's essential for businesses to have a strong...
Read MoreThe Experience Mod Explained Workers’ compensation insurance is a crucial component in protecting employees if a work-related injury or illness happens on the job. It provides injured workers with medical benefits, wage...
Read MoreThe common thread that runs through all small businesses, from professional services to manufacturing, is that a motivated workforce is central to the business’s success. Here are some quick, inexpensive, and potentially...
Read MoreAccording to recent research, 40% of occupational injuries occur among workers who have been in their roles for less than one year. With this in mind, businesses can’t afford to ignore the importance of safety orientations in...
Read MoreWildfires burning since Aug. 8 on Hawaii’s Maui Island will likely result in the second-largest insured loss in the state’s history, according to a brief from catastrophe modeling firm Karen Clark & Company (KCC). ...
Read MoreHappiness is a journey, not a destination. It's something we experience every day, in the small moments of joy and connection. But happiness is also more than just a feeling. It's a state of being that's deeply connected to our...
Read MoreWorkers' compensation coverage is essential for protecting injured employees and helping them get back to work as quickly as possible. But it's also important for employers to stay up-to-date on the latest trends in workers' compensation in
Read MoreIn a competitive job market, small businesses need to find creative ways to attract and hire top talent. One strategy that is becoming increasingly popular is employee referral programs. What is an employee referral program? An...
Read MoreArtificial intelligence (AI) technology has surged in popularity and usage among businesses and individuals. Many users have found ways to streamline commercial operations and personal hobbies using these programs; however, criminals...
Read MoreEmployees are more likely to leave their jobs if they feel like they are not learning and growing. Companies that invest in employee development can boost productivity, innovation, and employee satisfaction. Mentorship programs are a...
Read MoreWhile you may think your business would never be the victim of theft, the harsh reality is that nearly every business can become a victim. These days, thieves (including your employees) do not need direct access to cash to steal from...
Read MoreA recent survey from employment and labor firm Littler shows that most (71%) employers currently have hybrid work arrangements. Just 16% of surveyed organizations required in-person work. Despite the shift toward remote and hybrid work...
Read MoreVolunteering is a great way for employees to give back to their community and make a difference in the lives of others. It can also be a great way for employees to bond with each other and build relationships. If you're thinking about...
Read MoreJune is National Safety Month. This month highlights efforts that can prevent injuries and death inside and outside the workplace, helps provide learning opportunities for employees, allows employers to share their commitment to a safe...
Read MoreClimate change is one of the most pressing issues facing the world today. It is already having a significant impact on businesses, and the effects are only going to get worse in the future.Here are some of the ways that climate change...
Read MoreWhen employees leave a company, there is a heightened risk of data theft, which is also known as data leakage or exfiltration.This risk is present whether an employee’s departure is voluntary or not.The consequences of data theft...
Read MoreThe aftermath of a natural disaster, including catastrophic weather events, can be stressful and overwhelming. Amid the clutter, rubble and flood waters that severe storms may leave behind, fraudulent contractors may be among the...
Read MoreWhile breweries are a popular business venture, they can also be risky. From natural disasters to equipment failures to employee accidents, there are things that can go wrong. With that in mind, it's important for breweries to have a...
Read MoreRecent market developments have demonstrated signs of an improving commercial insurance landscape. Yet, industry experts asserted that ongoing headwinds facing certain lines of coverage will continue to generate hardened conditions...
Read MoreSince the first Earth Day in 1970, people from all over the world have come together on April 22nd to celebrate our planet and to commit to protecting it for future generations. Today, Earth Day is celebrated by people in over 190...
Read MoreAlmost everyone understands what it means to hustle. It’s been a part of work culture since the early 19th century, when the word was first used to mean gumption or hard work. In today’s workplace, it often refers to the...
Read MoreDistracted driving can be dangerous and even deadly. According to the National Highway Traffic Safety Administration, more than 2,800 people are killed and 400,000 are injured in crashes involving a distracted driver each...
Read MoreThe commercial auto insurance market has dealt with major underwriting losses and diminished profitability for more than a decade. While difficult market conditions continue, rate increases have remained in the single digits, unlike...
Read MoreViolations of workplace health and safety standards and the resulting OSHA citations can impact organizations of all sizes and sectors. In addition to highlighting unaddressed safety hazards, these citations often carry a number...
Read MoreEmployers are always looking for ways to retain their most valuable employees, and it's often difficult to pinpoint why some of them end up jumping ship. Instead of waiting until things get to this point, there's a more proactive...
Read MoreAccording to the Identity Theft Resource Center’s 2022 Business Impact Report, nearly 45% of small businesses and self-employed individuals experienced a security or data breach between July 2021 and July 2022...
Read MoreIt’s critical for safety to be at the forefront of any organization, regardless of size or industry. Adopting a behavior-based safety (BBS) approach can help organizations promote a solid safety culture and drive down occupational injury ra
Read MoreIn response to the current economic downturn and ongoing labor challenges, many businesses are looking for ways to reduce expenses and save money. Successful organizations tend to optimize their resources by identifying areas where...
Read MoreAn important part of running a small business is planning for any bumps in the road along the way. A risk management plan can help mitigate or prevent loss that allow you to identify, assess and manage risks. Businesses also need to...
Read MoreThe AI chatbot, ChatGPT, has gotten attention recently for its ability to produce human-like, conversational text and communication based on user inputs. Since the technology is readily accessible—you need nothing more than a...
Read MoreThe U.S. Bureau of Labor Statistics (BLS) released its most recent national census of fatal occupational injuries. The census discusses key findings related to fatal occupational injuries that occurred in 2021. As a whole, fatal...
Read MoreJust as HR professionals quickly adapted to changes at the height of the pandemic, they must now adapt and respond to today’s evolving expectations of organizations and employees alike.
Read MoreIn the last 12 months, small businesses and those who are self-employed saw fewer cyberattacks and data breaches although significant risks remain, according to the Identity Theft Resource Center’s (ITRC) 2022 Business...
Read MoreNational Blood Donor Month is celebrated every January and this year's observance comes as the nation's blood supply has dropped to concerning levels and could delay essential blood and platelet transfusions. Blood donors of all blood...
Read MoreEmployers of all sizes are currently facing attraction and retention challenges which will likely continue through 2023. Efforts to win over employees often come with a significant time commitment and price tag; unfortunately, many...
Read MoreAs the hybrid schedule is becoming the new normal, workers face a new set of challenges. Managers can play an important role in helping employees manage their stress levels but must also be able to gauge the pulse of their team to...
Read MoreEveryday life is hectic enough without the added stress of the holidays. Everything from attending celebrations, coordinating gift-giving, planning finances and balancing various family obligations can cause holiday burnout this time...
Read MoreWorkplace-sponsored holiday parties present a host of liabilities for organizations each year. Factors like choice of venue andemployees’ religious affiliations can create friction even before alcohol is thrown into the mix....
Read MoreWhile the holiday festivities and end-of-year parties can be a joyful time for everyone, they can also create stress and take a toll on youremotional well-being.Putting your emotional wellness on the backburner during this time may...
Read MoreA safety manager's key role is to promote a safety-minded culture while maintaining costs. By alerting employees to workplace hazards, “toolbox” safety meetings are worth your time. To get the most out of your safety...
Read MoreA merger or acquisition can be a challenge from an IT standpoint because it involves integration of systems that previously existed on their own. Cyber security is often put on the back burner, which is unfortunate, because this...
Read MoreExcess liability and umbrella insurance have often been thought of as interchangeable, but they are not the same. One common factor is they are secondary policies that attach after primary insurance policy limits—such as general...
Read MorePreventing Repetitive Motion Injuries While repetitive motion injuries (RMIs) are common among athletes, these injuries can occur in the workplace. Also known as repetitive stress injuries or cumulative trauma disorders, RMIs...
Read MoreIf your vehicle is involved in a business-related incident, your personal policy may not cover it. Read on to learn more about commercial vehicle insurance!
Read MoreBusiness Email Compromise (BEC) is a cyberattack where the victim receives an email that appears to come from a trusted business or individual and generally contains a phishing link, a malicious attachment, request for sensitive...
Read MoreEffectively maintaining your company culture with a largely remote workforce goes beyond creating policies and adjusting business practices. The actions and behaviors of employees will continue to define the culture regardless of where...
Read MoreAre you a professional who provides services to other people? Professional liability insurance , also known as Errors & Omissions insurance, is something all professionals should carry. Contrary to popular belief, professional...
Read MoreAlthough easily preventable, OSHA reports that slips, trips and falls account for the majority of workplace injuries in the United States. There are many ways in which you can protect yourself and your co-workers against slips,...
Read MoreBusiness interruptions can occur after an anticipated or unanticipated event that delays or disrupts a business’s normal operations. Natural disasters, fires, cyberattacks or the loss of a critical supplier can halt operations...
Read MoreOver the past year, inflation has become a growing concern. Inflation issues have largely resulted from a culmination of labor and supply trends brought on by the COVID-19 pandemic, and they are clearly reflected within the...
Read MoreLearn how to choose the best type of commercial and apartment building insurance policy. Contact DiNicola Insurance Services for more information.
Read MoreFor many employers, workers’ compensation insurance is all about one number—the premium quoted. Understandably, employers want to pay the lowest amount possible on this mandatory coverage. The amount you pay for workers'...
Read MoreThe stigma around working from home has mostly been lifted as the COVID-19 pandemic abruptly shifted many employees into a remote work setting. Many organizations are expecting and planning more remote work for the foreseeable future....
Read MoreIn 2017, an 18-year-old college student was killed after being struck at a high rate of speed by a commercial vehicle. The victim was sitting in stand-still traffic at the time. The commercial vehicle's driver was on his 25th hour...
Read MoreThe hybrid work model continues to evolve—and is a significant departure from the traditional 9-5 workweek. McKinsey recently reported that 92 million (58%) Americans have the opportunity to work from home part-time. Although...
Read MoreAs a business owner, it is always essential to make sure you minimize your risks. However, sometimes businesses can get adversely influenced by things out of their control. To ensure that your losses are covered in such unfortunate,...
Read MoreImproving the fuel efficiency of a company’s fleet of vehicles can have many financial and environmental benefits, especially with today's fuel prices. As one of the largest and most difficult expenses to predict and control,...
Read MoreWhile driving, you may become frustrated or upset on the road for a number of reasons. For instance, being cut off by another driver, seeing a nearby motorist disobey road signage or getting stuck in a traffic jam may prompt these...
Read MoreIf you’re unsure about what workers’ compensation insurance is and whether you need to purchase a policy, keep reading! This article details everything you need to know about workers’ compensation and how it can...
Read MoreSafety and security can boost your employees' morale and increase productivity for your business. One common misconception is that workplace safety is only for industrial plants and manufacturing companies. But federal and local...
Read MoreThere are a lot of things that go into running a construction company. You have to worry about the safety of your workers, the quality of your materials, and making sure you finish on time and within budget. And one of the biggest...
Read MoreAccording to the Centers for Disease Control and Prevention, productivity losses linked to employees not showing up to work due to five risk factors— diabetes, smoking, high blood pressure, physical inactivity, and obesity—...
Read MoreMany people dream of opening a nightclub. They imagine hanging out with people every night of the week while watching the profits drip in. But unless you have the right insurance, your dream can quickly become a nightmare.Insurance...
Read MoreFour out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years, according to an analysis of The Hartford’s small business claims. The top 10 most common claims are:
Read MoreAs organizations assess long-term work arrangements in the wake of the COVID-19 pandemic, they must also consider the challenges of implementing hybrid workplace models. Put simply, a hybrid workplace model is a flexible model that...
Read MoreOutdoor dining quickly emerged as a way to keep restaurants operational during the COVID-19 pandemic. Due to the increasing popularity of eating outdoors and lingering pandemic concerns, many restaurants will continue offering outdoor...
Read MoreBusiness email compromise (BEC) losses are among the most expensive types of social engineering losses, and they are on the rise—increasing 58% from 2015 to 2019, according to Advisen loss data. The median cost of a BEC loss is...
Read MoreCybersecurity threats change year after year as technology continues to advance. With that in mind, it's critical for organizations to revisit their data protection practices at least once a year. Here's some steps to take to protect...
Read MoreWith the courts re-opening, we are starting to see a serious increase in Americans with Disabilities Act (ADA) lawsuits. The latest trend we have seen is an increase in is “drive by” lawsuits where the plaintiff or their...
Read MoreAs the pandemic shifts, organizations may be planning a combination of remote and on-site working. Recently, PwC’s remote work survey revealed that employers and employees want to approach the post-pandemic workplace with more...
Read MoreFor small business owners, the line between the personal and their business can be a bit hazy at times. Yet, when it comes to a vehicle that may be used for personal and business-related reasons, it’s important to know how your...
Read MoreOwners and managers of commercial and business facilities have an obligation to maintain safe conditions for employees and occupants. Most commercial and residential fires result from negligent cooking, improperly discarded smoking...
Read MoreCyber security threats and trends can change year over year as technology continues to advance at alarming speeds. As such, it’s critical for organizations to reassess their data protection practices at the start of each new year...
Read MoreAs concerns about the COVID-19 continue to rise, many employers are left to wondering what they can do to protect their workforce. This Risk Insights will examine what coronavirus is, how it spreads, and what employers can do to...
Read MoreIt’s impossible to know exactly how long the COVID-19 crisis will last. With businesses all over the world in quarantine, for many, the financial future is a big question mark. While it is important to focus on what you can do to...
Read MoreCoronavirus Disease 2019 (COVID-19) is a respiratory disease caused by the SARS-CoV-2 virus. It has spread from China to many other countries around the world, including the United States. Depending on the severity of COVID-19’s...
Read MoreHigh-profile cyber attacks on companies such as Target and Sears have raised awareness of the growing threat of cyber crime. Recent surveys conducted by the Small BusinessAuthority, Symantec, Kaspersky Lab and the National...
Read MoreAccording to the U.S. Surgeon General, most Americans should log 10,000 steps per day to reduce the risk of disease and help lead a healthy, productive life. Consider using a pedometer, a device used to track how many steps you take....
Read MoreFacing the most serious threat yet to its business model, Uber Technologies Inc. is dusting off a legal argument it has employed with mixed results: that it’s a technology platform, not a transportation company. Now, as a new...
Read MoreThe California Consumer Privacy Act (CCPA) is the first comprehensive data privacy law in the United States. Beginning Jan. 1, 2020, the CCPA generally grants consumers the right to: Know what personal information is being collected...
Read MoreCalifornia Insurance Commissioner Ricardo Lara on Monday announced that more than $11.4 billion in insured losses have been reported from the November 2018 fires. That is a 25 percent increase, or more than $2.3 billion, from losses...
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Whether a worker is covered by a particular law or is entitled to receive a particular benefit often depends on whether the worker is an employee or an independent contractor. In general, employment laws, labor laws and related tax...
Read MoreA California law that makes it harder for companies to treat workers as independent contractors takes effect next week, forcing small businesses in and outside the state to rethink their staffing. The law puts tough restrictions on who...
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