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How Does the Increase in Cost of Construction Impact Your Insurance?

Posted: in Claims , Home , Homeowners , Loss , Risk Management 3 weeks, 2 days ago

By now, you are most likely well aware of the rising costs of construction materials. These rising costs have been noted but many individuals and business owners may not be fully considering its implications on insurance policies. According to an Associated Builders and Contactors analysis, lumber prices have risen by 73% since April of 2020. Lumber isn't the only ...

Are You Prepared for an Active Shooter Incident?

Posted: in Accident , Claims , Insurance , Loss , Loss Control , Michigan , OSHA , Risk Management , Small Business 1 month, 2 weeks ago

Recently, I was invited to an 'Active Shooter' training with Iron Fish Distillery  led by Deputy Michael Makowski of Grand Traverse County Sheriff's Office. You may be wondering, 'why would we be doing active shooter training in Northern Michigan?'. Active shooter risk is a very unfortunate reality in America which has led many businesses to prepare their teams for ...

Six Steps to Minimize Business Interruptions

Posted: in Claims , Data Breach , Insurance , Small Business 4 months, 1 week ago

According to the Federal Emergency Management Agency, 40 percent of businesses never reopen after a disaster. Implementing steps to prepare for and respond to disasters can help to reduce loss. In order to protect your business from unavoidable interruptions, it is recommended that you have a plan in place.

Is My Business a Target for Social Engineering Fraud and Cyber Crime?

Posted: in Claims , Cyber Liability , Data Breach , Insurance , Loss Control , Small Business 5 months, 2 weeks ago

What is social engineering? It is the art of manipulating people in an online environment, encouraging them to divulge—in good faith—sensitive, personal information, such as account numbers, passwords, or banking information. Social engineering can also take the form of the "engineer" requesting the wire transfer of monies to what the victim believes is a financial institution or person, with whom the ...

Important Dates for OSHA Recordkeeping

Posted: in Claims , Insurance , Loss Control , OSHA , Risk Management , Workers Compensation 6 months ago

Each year, the Occupational Safety and Health Administration (OSHA) requires certain employers to submit information from their OSHA Form 300A electronically in in addition to displaying the forms in a prominent place at the worksite.  Failure to meet comply with these recordkeeping requirements and deadlines can result in OSHA penalties and more detailed recordkeeping. Let's take a closer look at ...

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