Help your employees fight distracted driving

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Avoid driving distractions; pull over when you need to use the phone.

Every business owner wants to see that employees get safely to the jobsite or that cargo or products are safely delivered to their customers. Every year, distracted driving becomes a bigger barrier in the way of that goal.

The primary task of anyone behind the steering wheel of a car or truck is to safely control that vehicle on and off the highway. All too often we see a news report that starts with something like, “This morning’s fatal auto accident on the inbound expressway was caused when a distracted driver…” Driver distraction is anything that diverts the driver’s attention away from the driving task onto another activity. In 2011, 10 percent of injury crashes were reported as distraction-affected crashes, according to National Highway Traffic Safety Administration (NHTSA) figures. That year, 3,331 people were killed in crashes involving a distracted driver and 387,000 people were injured, the agency noted.
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Business equipment – What will you do when it fails?

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Equipment breakdown coverage can protect your business.

Tornadoes and fires may or may not happen to you, but like the human body, from the day it first goes into operation your business equipment begins the journey to its eventual failure.

Standard commercial property policies typically don’t protect against unexpected equipment breakdown, and warranties, service contracts and preventive maintenance agreements only cover so much. Adding equipment breakdown coverage Read More

Special events may need special insurance attention

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You can protect your summer event with special events coverage.

With the season of sunshine upon us, many businesses, schools, churches and other organizations sponsor special events. Right now, advertisements are blooming like the foliage. Every weekend seems to offer a menu of festivals, 5K races and concerts from which to choose. Some folks plan their summers around such events.

If your business or organization is planning a special event, you may be experiencing some of the common worries: Read More

Are you a ‘homepreneur’? Protect your successful business

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Did you know that standard homeowner policies may not cover losses from business-related activities in your home?

You made it! You turned your passion into a going concern. Maybe you turned your sewing hobby into an alterations business. Or perhaps you left the corporate accounting department to strike out on your own. Congratulations on your successful, home-based business.

Now are you willing to bet your house on it?

That’s what you might be doing if you aren’t properly insured. Standard homeowner policies generally don’t cover business-related losses. According to the U.S. Small Business Administration, more than half of all U.S. businesses are based out of an owner’s home. Read More