Resources

Silica Exposure During Hydraulic Fracturing

According to the National Institute for Occupational Safety and Health (NIOSH), workers may be exposed to dust containing high levels of respirable crystalline silica (silica)…

Solar Collector Burn Hazards

Solar water heaters are becoming increasingly more popular in both residential buildings and commercial facilities. When the demand for a service rises, so will injuries…

Risks of Shale Gas Extraction

Shale gas exploration represents vast economic opportunity and an environmental advantage over other fossil fuel sources. However, the extensive use of horizontal drilling and multi-stage…

Illinois Partners for Human Service

Blockbuster Hollywood tales of superheroes are now playing at the local multiplex movie theatre near you. But there are real-life superheroes working every day to…

Managing Volunteers In Your Organization

As a nonprofit organization, most of your workforce is probably comprised of volunteers. These individuals are devoting their time and energy to helping the community…

Indiana Domestic Partnership Laws

A growing number of U.S. companies provide benefits, such as health insurance coverage, for their employees’ domestic partners. Businesses may decide to offer domestic partner…

Dealing with the Heat

When Heat Stroke Occurs the body becomes unable to control its temperature. The body temperature can rise to 106 degrees Fahrenheit or higher in only…

Paid when Paid Clauses on Bonded Projects

Scenario: You have a “paid when paid” clause in your contract with your subcontractors/vendors. A Payment Bond claim is presented to your bonding company by…

Individual Disability for Physicians

Individual Disability Income (DI) insurance helps physicians protect their ability to work and earn an income. In the event of a disability, the policy provides…

Navigating the Hardening Market

As industry experts closely monitor the market, the state of the insurance industry continues to fluctuate. This can be confusing for business owners trying to…

Compliance Checklist for Determining Grandfathered Status

The Affordable Care Act (ACA) contains many provisions that affect the health coverage you provide for your employees. The extent of the law’s effect depends,…

The Strength Test Levels

U.S. Department of Labor and CRT Definitions of Strength Levels The following are descriptions of the eight terms in which the Strength Factor is expressed:…

Lease Terms: Know What To Ask For

By Tony Hopkins, CPCU, The Horton Group and Phillip N. Coover, Attorney, Schenk, Annes, Tepper, Campbell, Ltd. In this post-downturn market, most property owners and…

More Moisture, More Slips and Falls

To avoid slips and falls, be on the lookout for hazards such as water, food, grease, oil, sawdust, soap or other manufacturing debris. Condensation can…

Risk Scenario: Employee Theft for Nonprofits

Recently, a California Nonprofitemployee was caught stealing over$500,000 in funds from her employer.The Ventura Country Star reported thatthe employee directly stole the charity’scash, used her…

Fall Hazards: One of OSHA’s “Big Three”

In 2010, the Bureau of Labor Statistics (BLS) reported that fatal work injuries involving falls decreased 2 percent in 2010 (from 645 in 2009 to…

Pre-Employment Strength Testing: FAQs

The Equal Employment Opportunity Commission (EEOC) enforcement guidance states that an employer discriminates against a person on the basis of disability where an employer refuses…

I’ve Got Product Recall Insurance … Don’t I?

Product Recall expenses are excluded from all standard general liability policies, and that gap in coverage can only be addressed via endorsement or by purchasing…

Summer Safety As Important As Summer Fun: Manage Your Summertime Allergies

To make sure your day at the beach is exactly that – a day at the beach, not a trip to the emergency room –…

Commercial Umbrella Liability: What Limit Should I Carry?

By Edward C. Young, Jr., CWCA, Client Executive, The Horton Group One of the most common questions any Insurance Advisor will be asked is, how…

Spousal Carve Out and Waiver

Many medical plans are implementing either spousal carve out or spousal surcharge plans in an attempt to control health plan costs. There are some design…

Property Insurance Values

Every year companies go through the annual tradition of renewing their property insurance. Larger corporations have dedicated risk managers who are responsible for this transfer…