Umbrella insurance is the subject of a few misconceptions that lead people to think it’s unnecessary. Some believe it to be applicable only to the lifestyles of the extremely wealthy, while others think their existing homeowners and auto policies provide enough protection. Both of these views fail to take into account how much exposure the average person is subject to on any given day. You drive your children to school, take your dog for a walk, update Facebook about your interaction with an unfriendly neighbor, have friends over for dinner—all without realizing that a single mishap or accident during any one of these activities could result in a lawsuit.

In 2016 OSHA issued a final rule on respirable crystalline silica which called enforcement in the construction industry beginning June 23, 2017. But this spring OSHA delayed that compliance schedule in order to “conduct additional outreach and provide education materials and guidance for employers.” So for those in construction, you have some extra time. Enforcement will not begin until September 23, 2017.

Today we’re sharing insight from guest blogger Todd Bruce, Senior Vice President & Regional Manager for Lake City Bank's North Region. We hope you enjoy Todd’s wisdom and perspective.

When you hear the words redemption and deliverance, what is the first word that comes to mind? I bet it’s not leadership. Leadership is about leading, coaching, developing, overcoming…to which I say, exactly my point, redemption and deliverance.

As we discussed last May, OSHA issued a final rule related to the collection of workplace injury and illness data. One aspect of this rule was the electronic submission of records. OSHA has recently shared their intent to propose a delay in the submission deadline.

Rigging. It’s a common work practice in construction, but many in general industry also have a need for lifting loads. If done incorrectly, rigging can be incredibly dangerous. Not only can a dropped load cause property damage, but it can lead to a serious injury or fatality should the load hit someone.

Knowing how to identify rigging hazards, understanding how to use rigging properly, and ensuring the proper inspection of all rigging is critical for workplace safety.

“While CEOs obsess over getting big-banged out of existence, odds are good that their companies will suffer a more pedestrian fate: they will simply cease to matter.” - Inc. Magazine editor Leigh Buchanan

How relevant is your organization? Have you asked yourself that question recently? It goes something like this: In 3 years will the services we’re providing still matter? The best companies ask themselves this question every year. I’d bet many have never asked it.

Have you ever dreamt of ditching the standard hotel room in favor of British castle or spending your vacation on a private island instead of a crowded resort? Thanks to home-sharing services such as Airbnb and HomeAway, either option is now attainable with the click of your mouse.

If the term “home-sharing” is unfamiliar to you, just imagine Uber’s business model with shelter taking the place of transportation. Home-sharing services are community marketplaces that allow people to rent out their houses, apartments, or even spare rooms to guests visiting the area. The practice offers travelers a unique alternative to hotels, and it can be a great way for homeowners or tenants to bring in extra money.

But while its benefits can certainly be extolled, the practice of home-sharing is not without risks. Whether you’re interested in hosting or renting, understanding how to best protect yourself from potential liabilities is the key to a successful home-sharing experience.

A strong return-to-work program has numerous benefits – for the employees and the employer! If you are having difficulty getting buy-in from your employees, front-line supervisors, or even top management to start or reboot your return-to work program, start by explaining the benefits of the program.

Today we’re sharing insight from guest blogger Tom Henry, Mayor of Fort Wayne. We hope you enjoy Mayor Henry’s wisdom and perspective.

Engage, innovate, and perform. Those three words have helped serve as my mission and vision since becoming mayor in 2008. Engagement, innovation, and performance also drive my leadership staff and the future leaders we’re developing among our 1,800 City of Fort Wayne employees.

On May 4, 2017, the IRS released Revenue Procedure 2017-37 revealing dollar limits for High Deductible Health Plans (HDHP) and Health Savings Accounts (HSA) for 2018.