Farming has never been an easy occupation – long hours, non-cooperative weather, fickle commodity prices and the possibility of severe injury. Agriculture is among the most dangerous industries with only transportation/warehousing and construction being more dangerous. Agriculture has the highest fatal work injury rate (24.4 per 100,000 full time workers) of all industries1. Among specific… Read more »
For many of us living in the Northeast, enjoying the outdoors after winter abates is paradise, and a great cure for cabin fever. However, in the past years there have been new insects and diseases that plague our summer activities. One of the largest concerns is ticks and the diseases they can spread, particularly with… Read more »
It is estimated that 70% of the American workforce is unsupervised for the vast majority of the work day. When I first heard that I thought, “That can’t be right,” but the more I considered it and thought about truckers, sales reps, construction crews, service reps and many others, it made sense. For those of… Read more »
Be proactive about what you insure and how you insure it. You can have an impact on the cost to insure for damage to your property, vehicles or watercraft to help save money by taking a look at how you insure them, whether you: Are looking at personal or business insurance; or Buy your insurance on-line or… Read more »
Avoid Balcony, Porch and Deck Collapse Duck, Duck, Splash is an alternative to the traditional children’s game of Duck, Duck Goose. It’s played in the summer months, where a “picker” carries a small bucket of water around players who are sitting in a circle, and splashes the person who will be the goose. It’s fun… Read more »
Have you ever read your entire insurance policy? Probably not. Have you understood every word of what you have read? Again, probably not. The insurance industry tends to use words that are unique to only the insurance industry. I thought we might take some time to look at some of the terminology used in the… Read more »
The New Hampshire Second Injury Fund (NHSIF) was established in 1975 as a mechanism to promote the hiring of individuals with pre-existing conditions, injuries or disabilities. The NHSIF provides employers and their insurance carriers with limited liability for subsequent injuries that are sustained by such individuals in the course & scope of employment by reimbursing the insurers… Read more »
Every commercial policy I’ve ever read has an insurance condition requiring that an insured notify their insurer of a claim in a timely fashion. For example, a typical Commercial General Liability policy includes a Condition which states that an insured “must see to it that [its insurer is] notified as soon as practicable of an ‘occurrence’ or an… Read more »
-That’s a Nod to Dr. Seuss, who is celebrated this month There are a lot of things in life which are everywhere, so ubiquitous that we don’t even think about them: a pillow, shopping bags, books, pens. If one stops to think about these items, they aren’t as simple as we would think. The wrong… Read more »
As a farmer, you have a lot of concerns: weather; financing; crop yield; commodity prices; regulation; and the list goes on. Have you ever spent time thinking about your legal liabilities because you hire employees? Simply stated, a farmer can sometimes be held liable for damages to third parties as a result of negligent actions… Read more »
