January 14, 2025
jdowdinsNew Year, Happier Mind: Easy Wellness Habits
As a new year starts, many of us reflect on the past and set resolutions for the future. Although physical health goals often take center stage, focusing on mental wellness is equally important. Building good mental wellness habits can significantly enhance your quality of life, helping you navigate stress, improve relationships and achieve a greater […]
January 14, 2025
jdowdinsAre You Prepared For Wildfires?
Many homeowners face the risk of wildfires, which are usually triggered by lightning or accidents. They spread quickly, igniting brush, trees and homes. Some homes survive, but unfortunately, many others do not. Those that survive almost always do so because their owners had prepared for fire. Reduce your risk by preparing now to protect your […]
January 13, 2025
jdowdinsPreventing Theft and Vandalism in Small Businesses
Theft and vandalism pose significant risks to small businesses across all industries. These incidents can lead to financial losses, property damage and operational disruptions. Given these potential consequences, business leaders must take steps to safeguard their organizations. This blog explores the risks of theft and vandalism, prevention strategies, response protocols and essential insurance considerations. Theft […]
January 8, 2025
jdowdinsTeen Driving Awareness Month
Motor vehicle crashes are the leading cause of death for teenagers in the United States. It’s crucial to form safe driving habits to help mitigate the risks of being in an auto accident. Talk to your teens about the following: Put down the phone. Many teens admit to using cell phones while driving. Ask teens […]
January 2, 2025
jdowdinsKey Safety Tips for Radon in Your Home
January is National Radon Action Month. According to the U.S. Environmental Protection Agency, radon is the leading cause of lung cancer deaths among nonsmokers in the United States, claiming the lives of approximately 21,000 people each year. Radon may enter your home through cracks in its walls, basement floors, and foundations. It is formed naturally […]
December 20, 2024
jdowdinsEmployment Practices Liability Insurance Tips
Tips for EPLI Insurance Buyers Assess your employee handbook and related policies. Ensure you have all appropriate policies in place, including language on discrimination, harassment and retaliation. Implement effective sexual harassment prevention measures (e.g., a zero-tolerance policy and a sexual harassment awareness program), reporting methods and response protocols. Promote diversity, acceptance and inclusion in the […]
December 18, 2024
jdowdinsDirectors & Officers Insurance Tips
Tips for D&O Insurance Buyers Examine your D&O program structure and limits alongside your insurance professionals to ensure they are appropriate and take market conditions and trends into account. Consult insurance brokers, loss control experts and underwriters to gain a better understanding of your D&O exposures and cost drivers in the market. Work with your […]
December 16, 2024
jdowdinsCyber Insurance Tips
Tips for Cyber Insurance Buyers Work with your insurance professionals to understand the different types of cyber coverage available and secure a policy that suits your unique needs. Start renewal conversations early. Take advantage of loss control services offered by insurance carriers to help strengthen your cybersecurity measures. Focus on employee training to prevent cybercrime […]
December 13, 2024
jdowdinsWorkers Comp Insurance Tips
Tips for Workers Comp Insurance Buyers Implement safety and health programs to address common risks, especially when using a loss sensitive workers’ compensation program. Conduct routine safety training for employees of all ages and experience levels. Consider implementing various digital solutions, such as wearable safety technology and AI tools, to help prevent incidents, treat employee […]
December 11, 2024
jdowdinsCommercial Auto Insurance Tips
Tips for Commercial Auto Insurance Buyers Examine your risk management practices relative to your fleet and drivers. Enhance your driver safety programs by implementing or modifying policies on safe driving. Design your driver training programs to fit your needs and your business’s exposures. Establish effective onboarding and educational initiatives for new drivers. Regularly retrain drivers […]