Thank you to Candy Messer from Affordable Bookkeeping and Payroll Services for interviewing me on the topic of “The Different Types of Insurance To Protect Your Business” Some of the key items we discussed are:
- Tailoring Insurance Coverage for each unique business
- Commercial General Liability Insurance
- Workers Compensation Insurance
- Errors & Omissions (Professional Liability) Insurance
- Do home based businesses need a business insurance policy?
- Is business insurance required by law?
- Insurance for contractual requirements and lease agreements
- Employment Practices Liability Insurance
- The difference between Commercial General Liability and Errors & Omissions Insurance
- Cyber Liability / Data Breach Insurance
- How much does business insurance cost?
- Ways you can keep your insurance costs down
- Negotiating premiums with Carrier underwriters
Check out our interview together here:
Thanks for watching
During an emergency you need information in order to protect yourself, your family, and your property.
Alert Long Beach is a free service designed to keep everyone who lives or works in Long Beach informed – before, during and after a major emergency or disaster. And now, Alert Long Beach messages are now available in accessible formats for registered users who are deaf, hard of hearing, blind, and deaf/blind.
To get emergency alerts in American Sign Language, English, Spanish, or Tagalog, sign up at the City’s website: http://www.longbeach.gov/
The “Valley Fire” in Lake County, California, northwest of Sacramento started as a 50-acre blaze on Saturday afternoon, growing steadily to a 50,000-acre inferno by Sunday night. A resident of the area recorded his escape from the inferno. The footage is intense:
The video was taken at 8:30 PM on Saturday night (9/12/15) on the way out of Anderson Springs, and really speaks for itself. This person was lucky to have gotten out alive.
As seen in this Youtube video, “in a Russian liquor warehouse, a forklift driver hits the gas in reverse and plows into a warehouse rack filled with liquor, causing a domino effect that brings down half the warehouse. There was over a hundred thousand dollars in damage. The driver survived. No report if he is still employed.”
All joking aside, an accident like this can have a vast impact on your business operations such as Property Damage with the destroyed product. Think about the extensive clean up and reorganization; the suspense of business operations/ business income/interruption exposure. Also, from a Workers Compensation and Employee Disability standpoint, there are injured employees which means lost time, recovery, employee shortage, and training costs for other employees to fill the void. This can have a devastating impact on your bottom line.
Here are some Safety Tips For Forklift Drivers:
- Each day, check that the forklift is ready for the day’s work and perform any necessary maintenance before operating.
- Report any malfunction or poor performance to your supervisor immediately.
- Use reverse when going down inclines and go forward up inclines.
- Do not travel with the load elevated, and keep the load stable and as close to the floor as possible.
- Avoid raising or lowering a load while the forklift is moving.
- Always keep the load tilted back towards the carriage while raising and lowering.
- Make sure the load is balanced and is within the capacity of the truck.
- Never use the forks as a personnel elevator unless properly equipped.
- Always make sure your driving path is clear.
- Slow down for corners, blind spots and doorways.
- Drive defensively by always being aware of your surroundings and watching for the unexpected.
- Be aware of ground conditions and always take the smoothest possible path.
- Never try to turn on an incline.
- Cross tracks diagonally and slow down for uneven surfaces.
- Keeps legs, arms, feet, hands and head inside the forklift.
- Be aware of others around the job site, in case they do not see you.
- Always give those on foot the right of way.
- Stay out from under forks and loads.
- Never show off or use the machine for anything other than your specified job tasks.
- Never give anyone a ride or allow anyone who is untrained to operate the forklift.
Finally, here’s a Sample Performance Test for Forklift Operators for reference to monitor your employee forklift drivers.
Minimize, monitor, and control the probability and/or impact of unfortunate events before they happen. That’s what Risk Management is all about.
Get ready, here it comes. Saturday, November 26, the day after “Black Friday,” is the Second Annual “Small Business Saturday.” Is your business ready? Included are some ideas to rally your customers to encourage them to Shop YOUR Small this coming Saturday.
What can you do to get ready?
- Download and print free in-store signage.
- Online marketing kit: Put Small Business Saturday badges on your website, Facebook Page or email signature. Send emails to your customers.
- Take charge of engagement: YourBuzz is a tool that allows users to read and respond to customer reviews and online mentions in one location.
- Coupon-less offers: Provide mobile-based deals to your American Express card-wielding customers.
- Save on printed materials: You can save 20% Small Business Saturday-related promotional materials through Nov. 26.
So go on, get the word out and bring in customers! Join the Day! #SmallBusinessSaturday #SmallBizSaturday
Source: Mashable Business
Check out our web video commercial for ISU-The Olson Duncan Insurance which I made a cameo appearance in:
Remember, we are a full service insurance agency capable of handling all of your insurance needs, business or personal:
Business Insurance (business owners policy, general liability, commercial property, errors and omissions, professional liability, workers compensation, commercial auto, cyber liability, umbrella/excess liability, employment practices liability, directors and offices liability, and group life, health, dental, and vision benefits)
Personal Insurance (auto insurance, home insurance, life insurance, health insurance, earthquake insurance, umbrella insurance, mechanical breakdown, watercraft/boat insurance, dental insurance, long term care, and flood insurance)
This past weekend was the Long Beach Grand Prix, probably the biggest weekend annually in Long Beach and by far one of my favorites. We went on Saturday and enjoyed a perfect day of sun, fast cars, thundering loud sound and jam-packed bars. I’m not necessarily a race fan, but if you ever get a chance to check out a live race and get up front in the action, you won’t be disappointed. The speed and noise of these IndyCars give me the chills every time I see them.
Check out this short clip I filmed track-side. This was Saturday’s IndyCar qualifying for the main race on Sunday. Cars are flying by at 160-170 mph at this point on the track:
With the theme of fast cars and driving, take a moment to browse over these 10 safe driving tips:
Top 10 Safe Driving Tips
- Don’t Drive Drunk – More than 30 percent of all auto accident fatalities in the United States involve drivers impaired by alcohol. It’s easy to avoid driving drunk. If you’ve been drinking, ask a sober friend for a ride or call a cab. If you’re planning to drink, make sure you have a designated driver. The mild inconvenience of taking a cab home is nothing compared to the disastrous consequences of driving drunk.
- Don’t Speed – Research has shown that for every mile per hour you drive, the likelihood of your being in an accident increases by four to five percent
- Avoid Distractions – One researcher compared the reaction time of a 20-year-old driver talking on a cell phone to that of a 70-year-old driver. What’s more, working a cell phone behind the wheel can delay reaction times by as much as 20 percent.
- Don’t Drive Drowsy – A study conducted by researchers at Virginia Tech reported that 20 percent of all accidents have sleepiness as a contributing factor
- Wear Your Seat Belt– NHTSA statistics reveal that more than half of all accident fatalities were people who weren’t using seat belts
- Be Extra Careful in Bad Weather
- Don’t Follow Too Closely – The three-second rule is simple. Find a stationary object on the side of the road. When the car ahead of you passes it, start counting seconds. At least three seconds should pass before your car passes the same object
- Watch Out for the Other Guy – One good rule of thumb to use is, “Assume everyone else on the road is an idiot.”
- Practice Defensive Driving – Defensive driving is not only safer, it can save you money. Many insurance companies offer discounts to drivers who complete defensive driving courses.
- Keep Your Vehicle Safe– One of the most common maintenance problems that can lead to a crash is improper tire pressure. Uneven tire pressure, or pressure that is too high or low, can impact performance or lead to a blowout — especially in high-performance cars or heavy vehicles like SUVs
For these tips and more, visit www.howstuffworks.com
I was fortunate enough to have been in Hawaii for four days and have been away from the computer. It was a great little retreat. The weather was awesome and there was a lot of time to relax and take it all in. I have a ton of great pictures, but here’s a little video clip I took of the waves crashing on the rocks at Kapa’a Beach Park in Kamuela, HI which is about an hour drive from Kona:
Kapa’a Beach Park Kamuela, HI on the big map
Who has been to Hawaii? What’s your favorite island?