OSHA Recommends Employers Cover COVID-19 Vaccination Costs

Denise GillinBusiness Insurance, Risk Management

Following OSHA guidelines can often be a challenge. Compound them with a global pandemic and an  employer’s job gets that much harder. This article by By Louise Esola for Business Insurance elaborates: The Occupational Safety and Health Administration (OSHA) issued workplace safety guidance for employers that includes a recommendation that they cover COVID-19 vaccination costs. OSHA issued the new guidelines following an executive order by President Joe Biden on January 21 to do so. The new guidelines, which in general mirror existing U.S. Centers for Disease Control and Prevention guidance, call for face coverings, social distancing and contact-tracing. They also call for employers to implement COVID-19 prevention programs, separate and send home sick workers, improve safety communication with workers, install …

Winterize Your Home

Denise GillinHome and Auto Insurance, Risk Management

Home Winterizing Checklist by HomeAdvisor With the passing of the holiday season, winter isn’t over. There are still cold days and even snow in our near future. Make sure your home is secure in the months ahead. Be Prepared. Make sure you have a snow shovel or snow blower if you have a large area to clear. And, it’s never a bad idea to have some extra canned goods and cases of water. Gutters & Downspouts If you didn’t clean and clear your gutters in the fall, double check them to make sure they are clear before the next snowfall. It’s a good idea to install leaf guards, if you don’t have them, to keep your gutters and spouts clear. …

Business Valuers: Why Purchase Professional Liability Insurance?

Denise GillinBusiness Insurance

By Jeffrey S. Gelburd, CPCU, ARM, Vice President, for American Society of Appraisers Over the years we have been asked by Business Valuers about the necessity of purchasing Professional Liability (or E&O) insurance for themselves or their business. The following reasons are the most prevalent in the purchasing decision. The Insurance Policy Will Pay Defense Costs: This is the # 1 reason for purchasing E & O insurance – the policy is written to cover attorney defense fees which can easily run into the tens of thousands of dollars. The Cost of Insurance is Relatively Inexpensive:  Minimum premiums for a policy offering a $1,000,000 limit can start at just $2,000. Low Deductibles: Deductibles for these policies typically start at $1,000 and can go …

Better Prepared. More Secure.

Denise GillinInsurance, News

Our focus is always on the commitment we made to our clients when Murray was founded over 90 years ago: to provide smart solutions to help our clients be better prepared and more secure. This is more than just a phrase to us. It represents our ability to give clients a strategic advantage to anticipate and prepare for future challenges, opportunities, and growth. Today we honor our client commitment in a new and dynamic way. After careful and deliberate evaluation, we entered into an agreement with a national partnership of leading independent property and casualty and employee benefits brokerage firms, AssuredPartners, one of the largest brokers in the nation. Being a part of a national firm further enhances our advantage …

Cyberattackers Weaponizing Google Services

Denise GillinInsurance, News, Risk Management

By Kelly Sheridan, Staff Editor, Dark Reading Security researchers have reported an uptick in cyberattackers weaponizing Google services to sneak past defensive tools and steal credentials, credit card details, and other personal information. The Armorblox threat research team today published their analysis of five targeted phishing campaigns they call “the tip of a deep iceberg.” These attacks take advantage of several Google services, including Google Forms, Google Docs, Google Site, and Firebase, Google’s mobile platform for app development. Read more here >>>

What Delivery Drivers should know about their auto coverage

Denise GillinHome and Auto Insurance, News, Personal Lines

Shared from Forbes.com There are a multitude of ways to make extra income these days. In a time where ridesharing and delivery services are booming, be sure you understand your auto coverage. If you are a delivery driver using your own vehicle to carry and deliver other people’s goods in return for payment, a commercial policy is required. When working for such places as Uber, Lyft, GrubHub, Door Dash or grocery delivery, you are using your vehicle for business instead of personal use. If you have started a driving job (part-time or full-time), you could be putting yourself at risk and could have a claim denied if you haven’t informed your agent. Due to the pandemic, there are some companies …

Nine Tips for Space Heater Safety

Denise GillinInsurance, News, Risk Management

From Succeed / KPA Safety Platform Can we all agree that it seems no one can agree on what is a comfortable office temperature? However, office temperature is important and may impact in ways previously not considered. A study conducted by Cornell University found that chilly workers not only make more errors but cooler temperatures could increase a worker’s hourly cost by 10 percent, as estimated by Alan Hedge, professor of design and environmental analysis and director of Cornell’s Human Factors and Ergonomics Laboratory. Bring out the space heaters If you are going to use them, follow these guidelines from Succeed / KPA safety resource platform to ensure a safe work environment: Never use space heaters in the areas where …

Increased Risk During Civil Unrest

Denise GillinInsurance, News, Risk Management

From Chubb Commercial Insurance Businesses may face increased risks during periods of public protests and civil unrest, which can threaten employees, disrupt operations, and damage property. You can help mitigate these risks by considering the following actions: Prioritize employee protection When civil unrest arises – or appears on the horizon – communicate as soon as possible with your staff to express concern, emphasize the importance of situational awareness, and provide critical guidance to ensure employee and customer safety. Protect your facilities Property in areas with unrest face the threat of damage, looting, and arson. Take steps to help protect your company’s facilities. Secure vacant premises Vacant buildings are particularly vulnerable to damage during periods of civil unrest – and with …

Cyberattack – Not “if” but “when”

Denise GillinInsurance, News, Risk Management

By Brian Owen, CPCU, Executive Vice President, Client Services and Ommie Rivera, Chief Information Officer Paying ransoms in ransomware attacks has always been controversial, but now it may be considered illegal by the US Department of Treasury according to SiliconANGLE.com. The argument is that at times, paying ransom to obtain core business files is worth it. However, conversely, does paying ransom encourage future attacks? Every situation is different and insurance policies are not created equally so there isn’t a one size fits all answer to a cyber breach. While coverage is important, partnering with experienced professionals you trust can be more important. Look for experts with established best practices to help your company weather the lifecycle of an incident. Murray represents …

Get Smart About Credit

Denise GillinHome and Auto Insurance, Insurance, News

October 15th is Get Smart About Credit Day as well as International Credit Union Day. A good credit score is important for your financial health. The Balance lists the following as six benefits to having a good credit score: • Low interest rates on credit cards and loans • Better car insurance rates • Approval for higher limits • Easier approval for renting • Obtain certain contracts (like cell phone or utilities) with no security deposit • Better negotiating power Understanding your credit score is an important place to start. The following are tips for you and your family to help understand what affects your credit score. Help your children and grandchildren understand the importance of sound financial management. Learning …