After being away from my blogging desk for the last several months doing what accountants do this time of year, I’m ready to get back on my keyboard to continue my mission of singing the praises of Employee Stock Ownership Plans in general, ours in particular.

Gibson’s employee stock ownership plan (the GESOP) definitely makes an impact on all of our employee-owners and our corporate culture. Culture is a tough thing to define – it’s kind of like when you find your soul mate, and you’re asked why you feel so strongly about that person. It’s often squishy and somewhat hard to label – but you know it when you feel it. Culture is the same way for me. I just know a positive culture when I see it – it just feels right.

Did you know that one of the most important factors that contributes to workplace safety is also one of the most overlooked? Housekeeping (yes, housekeeping!) is key to achieving and maintaining a spotless record of workplace safety.

Wes and I walked out of the Denver airport. We were headed to visit a strategic partner in the Englewood area. Joey, our driver, introduced himself and immediately oozed charm. He was a gentleman in his 60s with a very youthful face. That and both ears pierced with gold hoop earrings. A warm and hearty greeting was followed by the usual banter as we pulled away from the airport.

The 2013 workers’ compensation insurance market shows a few emerging & concerning patterns. With costs increasing left, right and center it is looking like the workers’ compensation landscape will be a challenging one to navigate. All together, the outlook is rather bleak in some respects.

Rates

Rates are continuing to firm up. Generally they aren’t as flexible as they previously were and what’s more; it’s looking like they will remain fixed for a long time. Also the market is getting smaller and more competitive. These factors are making workers’ compensation insurance becomes a difficult market to be trading in.

Most people carry a risk in their pocket. That's right! Your cell phone may be a problem waiting to happen.

As I am sure you have figured out by now, one thing that occupies a large amount of my personal reflection time, or as my colleague Jerry Scott calls “sharpen the saw” time, is how to build a stronger Gibson over time. “Strong organizations grow, thrive, and find a way to reinvent themselves in changing times and market conditions,” says Jerry.

He’s right. They stand the test of time and provide support and a good living for their employees and families over the course of entire careers. They also contribute in very meaningful ways to the success and vibrancy of their communities.

Heart health shouldn't be taken for granted, especially when heart disease is the leading cause of death for both men and women according to the CDC. Annually, around 600,000 people die from a form of heart disease in the United States. Coronary heart disease, in particular, kills 385,000 people everyyear.

All you need for a workplace strain or sprain to occur are stairs or a floor. While there has been an encouraging decline in workplace injuries overall, the Bureau of Labor Statistics reports a slight increase in musculoskeletal injuries classified as sprains, strains, and tears. And, that includes an increase in injuries to the lumbar region, which are typically long-term and expensive to care for.

Another installment of the Olympic Games has come and gone. The journey of an Olympic athlete represents perhaps the ultimate metaphor for grit: passion and commitment to a long-term goal.

The property and casualty marketplace evolved favorably in 2013. According to the Insurance Services Office (ISO), despite persistently low interest rates undermining insurer investment returns over the past few years, the industry experienced an increase in underwriting profits in 2013, as follows: