Risk Management |
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By December 19, 2008, all public pools must have approved anti-entrapment devices, in
accordance with the Virginia Graeme Baker Pool and Spa Safety Act. Any non-compliant
pool after December 19 must be immediately shut down and may be subject to fines. |
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As winter drizzles … and then pounds its way into the Midwest, be sure that you are ready for the hazards related to cold weather jobs and commutes. The tips below can help prepare your employees for the snow, sleet, ice and months of cold ahead. |
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According to a recent study, a security breach can cost an organization anywhere from $50 to $250 per record. This could cause a substantial setback for any company, and could easily put a small to mid-sized company out of business. |
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More than ever before, employers face liability issues regarding the documents, both paper and electronic, they generate and destroy in the normal course of business. Changing laws require companies to create and maintain documents for specified periods. |
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Effective January 1, 2008, Illinois will become a “smoke-free state.” This restriction includes all public buildings, workplaces, restaurants and bars, entrances and exits from such buildings, and just about anywhere... |
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As an insured, you have a contractual obligation to report losses or incidents that could generate claims to your insurance carrier. |
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Most companies have strict policies prohibiting employees from driving under the influence of alcohol. However, every day millions of employees do something equally as dangerous. |
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Due to the difficulty of attracting and retaining talented employees, many companies are providing company cars to corporate officers, managers, and sales executives as a perk. |
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Roughly one-sixth of U.S. industrial firms’ assets are considered accounts receivable.* When receivables are managed appropriately, a company’s cash flow is positively impacted. |
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Worldwide demand for building materials such as cement, steel and petroleum have increased substantially during the past several years... |
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Employee Benefits |
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On September 12, 2008, the Illinois House and Senate accepted Governor Rod Blagojevich’s amendatory veto of House Bill 5285, which will create the new dependent coverage provisions for health plans. |
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Benefit plans can eat up a large share of a company's profits, but some of that cost can be saved by taking corrective action. |
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There are a variety of tax-efficient and cost-effective tools for business owners and corporate executives to evaluate when planning for their companies. In the right situations, life insurance can serve as a powerful risk management tool for businesses. |
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Effective July 1, 2008 Wisconsin law requires health insurance policies, as well as certain government self-insured plans, to continue to provide coverage for a dependent if he or she ceases to be a full-time student due to a medical leave of absence. |
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Safety and OSHA |
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Your business is one of many Standard Industrial Classification (SIC) or North American Industrial Classification System (NAICS) codes selected by OSHA for inspection! |
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OSHA requires the use of Personal Protective Equipment (PPE) when employees are exposed to many work-related hazards. Until now, the responsibility of who actually pays for the PPE has been the subject of much debate. |
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Workers' Compensation |
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Employers should take time to understand their duties and rights when combining the laws of the Family and Medical Leave Act (FMLA) and Workers' Compensation (WC). |
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Effective January 1, 2008, the Illinois Department of Financial & Professional Regulation approved Illinois Workers’ Compensation and Employers Liability Insurance Policy Exclusion Endorsement WC 12 03 06. |
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The State of Wisconsin Labor and Industry Review Commission recently issued a decision regarding increased compensation... |
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In most states, an employee commuting to and from work is not considered in the course and scope of employment... |
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Horton Personal Insurance |
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Top ten facts about floods, protecting your valuables and umbrella policies |
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Best in Class Services |
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Safety B.O.S.S. Toolbox Talks |
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Forms |
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Click here for a description of steps toward compliance with the Virginia Graeme Baker Pool and Spa Safety Act |
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Click here for the full text of the Virginia Graeme Baker Pool and Spa Safety Act. |
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This form offers questions to ask a medical professional prior to medical treatment or surgery. |
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Esta forma debera asistirlo al hacer preguntas y al obtener informacion cuando su Proveedor de Salud recomienda cirugia o un tratamiento especial por cualquiera condicion medica por la cual usted esta siendo atendido |
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