Recent Articles

By Robert Esposito, 06/17/2019
Truck side guards are devices designed to keep vehicles, pedestrians and bicyclists from being injured or killed by large trucks in side-impact collisions. Side guards have been required standard equipment since the 1980s in Europe and Japan, and more recently in Brazil. They are also widely adopted in China,...
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By Jason Wissmiller, 05/30/2019
Many companies purchase general liability to protect them from third party liability resulting from bodily injury or property damage as a result of business operations. They also purchase professional liability to protect themselves from financial harm to third parties for errors or negligence in services...
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Safety and Captive Insurance Programs
02/22/2019

Have you made improvements to your safety program for 2019?  If not, now is the time and the only way to see improvement in your safety results is to commit to working at it daily. Make it a priority for your business by giving clear expectations and goals to your employees. As leaders, owners and managers must make safety a top priority, otherwise you can not expect your employees to follow suit. Unfortunately, businesses often decide they can’t afford a safety program, or they think it’s more affordable to chance it and hope they remain lucky. Additionally, some people have the philosophy that losses are just a part of business. We disagree. If you take dollars spent in losses from down time, non-productive activity, equipment repair, hiring other drivers and insurance, and instead create a culture where safety is paramount on all decisions and incentivize your employees, you will have much greater success in every area of business.

Additionally, the policy or program of the month is captive insurance programs. This type of insurance program is beneficial to a select type of insured. It is not a benefit to all, or even most, businesses. Therefore, if you are being sold this type of program please be mindful that it may not be necessary. A lot of people are being misinformed about the details and the reality of this program during this hard market cycle. If you would like an honest, educated conversation on this topic or help in making changes or coming up with a plan for a safety program, please contact us.