Category Archive for : ‘Safety’

We live in an age where we are more “connected” than ever before.  Our phones are “smart,” are homes are “smart”and Alexa is our best friend. All of these conveniences can also make us more vulnerable to a range of new cyber risks.

What is Malware?

Malware is software that’s main function is to damage or disable a computer.  Generally, it infects our computers with a virus because we have clicked on an infected email or link.

What is Ransomware?

Ransomware is a type of malware is used by Cyber criminals to hold computer

If you are under the impression that Workers’ Compensation rates are set by the state, well, you’re right!  But don’t be under the impression that you cannot do anything to help lower your overall premium.  Minimizing workers’ compensation risks is always an available option. Developing a proactive risk management approach can help you create a safer, more structured workplace which over time will help lower your modification score.  If we could provide you a plan that would eliminate workplace accidents, we would, but that is not possible.  What we can

As bar and restaurant owners you understand the importance of your liquor license.  Let’s face the facts; your food is great, your atmosphere is wonderful, and your staff is second to none, but your restaurant would be empty if you lost your ability to serve alcohol.   Intoxicated patrons are not going away.  Sure, most are harmless and respectful, but even then you’re bartenders and managers know when they have had enough.

Understanding when to “say when” to your patrons is important, but unfortunately it is not enough.   Most insurance

According to a recent study, the average person checks their cell phone 100 times a day. While there is a time and a place for cell phones,  job site cell phone use can be extremely dangerous.

If you’re distracted for just a second while operating a power tool, working on a roof or driving a forklift, you can injure yourself or a co-worker. You can also face civil or criminal liability for damages you cause by operating a motorized vehicle while using a cell phone.

It isn’t only operators of machinery who

Every year FBinsure shuts all of their offices down for one day in July.  This is not for inventory or auditing purposes or to save money.  The ownership team closes down on the last Friday in July in order to celebrate their employees and for all of us to spend one work day together having fun.  This Friday, July 27th is that day.  All offices will be closed for the day.

Summer is indeed a fun time where you can spend warm days on the beach, camping, doing water sports, attending

Practice makes perfect. Well, close enough.

Anything less than perfect can be costly when it comes to driving. That is especially true for young, inexperienced drivers. “The 100 Deadliest Days” is an ominous tagline referring to the period between Memorial Day and Labor Day when teen-related crashes sky-rocket. Unfortunately, these crashes usually result in fatalities, if not for the teen driving then for the passengers in the other vehicle. According to Newsday, “Not only are teens themselves more likely to die in car crashes, they also have the highest rates of

Employers Subject to OSHA

Most private sector employers in the United States, the District of Columbia and other U.S. jurisdictions are subject to the OSH Act, either directly or through an OSHA-approved state program. State plans are OSHA-approved job safety and health programs operated by individual states instead of federal OSHA. The OSH Act encourages states to develop and operate their own job safety and health programs. State-run safety and health programs must be at least as effective as the Federal OSHA program.

In general, state and local government employees (public employees)

With the winter winding down chances are that you had one or more insurance claims arise. Maybe it was a slip and fall, or a plow truck accidentally hitting a curb or maybe it was one of your employees getting injured on the job. This is why you have insurance. But how are these new claims viewed by your insurance carrier? How will they affect your premium?

When an insurance claim gets processed the carrier will attach a reserve amount to it. A reserve is the amount of money the insurance

With energy prices increasing more homeowners are choosing wood or pellet stoves as alternate heating devices.   Heating equipment is a leading cause of home fires.  You can heat efficiently and safely with wood by following recommended procedures and methods.  Proper installation, operation and maintenance will help to avoid chimney and wood stove fires.

Another great recourse could be your local fire department or the town’s building code official.   We suggest you contact them prior to installing your alternate heating device.

You should burn only dry, well seasoned wood. Dry wood burns hotter

I have seen it happen many times with my own eyes and even more times shared on the news.  Drivers impatiently ignoring the flashing lights and stop sign on an active school bus.  Schools have been in session now for two weeks in some cities and towns.  Once again as drivers on the roads, we now share these same roads with the big yellow sight blocking four wheeled buses.  As frustrating as it can be to try and get to work on-time through the 10 or more stops that the buses