What is the New Hampshire Second Injury Fund?

Posted by & filed under General Liability, Small Business, Workers Compensation.

the flag of New Hampshire

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 »

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When it Comes to Reporting Claims, Time is of the Essence

Posted by & filed under Automobile, General Liability, Small Business, Workers Compensation.

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 »

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Carbon Monoxide: Winter’s Silent Enemy

Posted by & filed under General Liability, Safety.

What is carbon monoxide and where is it found? Carbon monoxide, otherwise known by its chemical symbol, “CO”, is an odorless, colorless gas that can cause sudden illness and/or death.  It is found in combustion fumes such as those produced by cars, trucks, gasoline engines, stoves, burning fuels such as wood and charcoal and heating… Read more »

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What Are You Plowing Into?

Posted by & filed under 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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Portrait of a serial infector

Posted by & filed under General Liability.

he ongoing case of Exeter Hospital and the Hepatitis C outbreak The biggest news story in New Hampshire this year will no doubt be that of David Kwiatkowski, whom the authorities have labeled a “serial infector”. Kwiatkowski is a 32 year old Michigan native who, in 2007, got his start in the health care industry as a… Read more »

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No Trespassing! – Timber Trespass Tips

Posted by & filed under General Liability.

Any logger has the potential of being involved in an accidental timber trespass claim.  Here are some things you need to know: What are you agreeing to when you sign a contract? Landowners generally require a logger to have general liability insurance and to assume responsibility for everything that happens at the work site.  Many… Read more »

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