Reducing liquor liability before the first drop is poured

Failing to act responsibly when serving alcohol could be catastrophic for your business. You could be held accountable for any death, injury or damages caused by an intoxicated patron, resulting in expensive civil or criminal litigation, fines, increased insurance rates, loss of your liquor license – even the loss of your business. Safeguards can reduce the risk.


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Insurance helps hospice care providers focus on the patient

Hospice organizations focus on the care – not a cure – for the patient, as well as support to the patient’s loved ones. If your organization operates a hospice, you are in a unique position to affect quality of life in your communities. By making sure your organization has appropriate insurance protection, you can keep your focus on the important services you provide to patients and their families. Take time to review the declarations page of your insurance policy.


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Health club staff must be ready for emergencies

The June edition of ClubSolutions Magazine, a publication for health club operators, features an article by Brian Rawlings, national program director for Cincinnati’s fitness, sports and recreation program. He explains why it’s important for health clubs to train employees on emergency response, and suggests a quick way to remember what to do in an emergency.


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New federal overtime guidelines under FLSA

EDITOR’S NOTE: A federal judge in Texas issued an injunction on November 22, 2016, that delays the implementation of this rule. Consult with your legal adviser before making changes in your employment policies. For more information about how employment practices liability insurance can protect your business, see your local independent insurance agent. __ A new federal rule for overtime pay that becomes effective December 1, 2016, may increase an employer’s need for EPLI – employment practices liability insurance.


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Fire danger in the construction zone

Fires are a significant hazard on construction sites. According to the National Fire Protection Association, there were an annual average of 830 fires in residential buildings under construction from 2007 through 2011, excluding one- and two-family homes. These fires caused an average of $56 million in direct property damage per year. Over those same years, there were an estimated 400 fires annually in large residential buildings undergoing major renovation, causing an average of $17 million in direct property loss per year.


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