Non-Compliance Is Costly
As a federal regulator, OSHA has come under fire by employers for the usual reasons people criticize federal mandates: mounds of paperwork and an obsession with endless detail. Yet an accident on the job can cost an employer millions, beginning a complicated cycle that piles expense upon expense.

Employers with poor loss histories will pay even more for their workers' comp coverage starting next year as most states change the way premiums are calculated.

Most industries are cyclical to some extent, and insurance is no exception. As an insurance buyer, it's important to know what factors determine the cost of coverage. But understanding the market cycle is only half of the pricing equation: since you can't control the market, it's equally important to know what you can do to ensure you are always securing the best price - whatever market conditions prevail.

As companies outsource more and more IT and data processing tasks it's important to consider data security and indemnification for losses resulting from service interruptions or data breaches.

Do you worry about someone hacking into your computer and stealing your private information? Many of us bank, manage credit cards, report our income taxes online, and use social media websites. All of these sites are password protected and that means we’re all aware of the importance of keeping our passwords to ourselves or sharing with others in a secure fashion.

Do you ever think about your sump pump?

New Year's Eve is a night of festivities to celebrate the coming year. Our advice is always to make safety a priority. Whether you're staying in and celebrating with friends and family, or traveling to a party or city bash, following a few tips can keep you safe and sound when the clock strikes midnight, ringing in the new year!