by | Automobile, Safety, Vehicles & Equipment |

You have either started reading this blog because you know about telematics or you have no idea and want to find out. So, starting with the latter: Telematics is the branch of information technology that deals with long-distance transmission of computerized information.  Put in simple terms, telematics is the blending of wireless telecommunications like GPS,... Read more »

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by | Property |

Snowflake…snowflake….snowflake, how much do you weigh?  Right around .002 grams. How does this compare to other items? Feather, about .05 grams. Chocolate Kiss 41grams. Cubic inch of water .036lbs. Cubic foot of water 62.416 lbs. So, how do a bunch of snowflakes pancake buildings each year? Generally speaking, it’s not the snowflakes that collapse a... Read more »

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by | Laws & Regulations, Workers Compensation |

Even If There Is No Change in Your Losses The National Council on Compensation Insurance (NCCI) (www.ncci.com) calculates the Experience Rating Modifications (ERMs) for all but six states (CA, DE, MA, NJ, NY, PA) and calculates all interstate ERMs.  In 2013, there is a change in the way ERMs are calculated that may affect you.  In simple... Read more »

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by | Automobile, Laws & Regulations, Vehicles & Equipment |

Compliance, Safety and Accountability – or, “CSA 2010”.  When this regulation first rolled out to the trucking world (albeit in 2011), I found many of my trucking clients did not understand it, nor were hurrying to grasp its importance.  Everyone knew about and understood the safestats, which was the previous way the Federal Motor Carrier... Read more »

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by | Farm & Agriculture, Property, Safety |

Lightning – A Force to be Reckoned With! We all like to watch the fireworks that a summer lightning storm can provide. A lightning strike is also a potentially dangerous event. A Few Lightning Facts: • Lightning is a giant discharge of electricity accompanied by a brilliant flash of light and a loud crack of thunder. The spark can... Read more »

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by | Safety |

End of Holiday Chaos – Check! Start of New Year – Check! After a busy holiday season and the year-end rush, I find I crave order and a clean slate with the New Year.  I find myself committed to organization, purging unnecessary items, and getting to that task that has been on my to-do list... Read more »

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by | Property, Safety |

You may be thinking, “Leave it to an insurance guy to write about Hot Work at the start of winter.” However, I hope you learn something about different types of Hot Work here. We’re not talking about the kind of heat which farmers are so used to, like toiling in the fields in summer, or... Read more »

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by | General Liability |

As I inch up the thermostat, I wonder when the outdoors will turn from green to white. Many seasonal contractors that I know operate snow removal equipment. And, there are many things to consider as the winter season approaches. How much staff should you leave on call? How much sand and salt should you purchase?... Read more »

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