You’ll find regularly posted topics dealing with:
- ways to help you save money on your insurance
- techniques to save you time on managing your insurance
- answers to your questions on coverage issues
- educational resources and workshops that will solve your insurance challenges
My mission is to help you gain more confidence and trust in your business or personal insurance while spending the least amount of money.
Thursday, June 26, 2008
Effective immediately, I am switching over my blog page to Word Press from Blogger. What that means for you is that there is a NEW URL address to use to read my blogs.
Please change your setting to http://blog.toroinsurance.com. I will double post for several weeks in the transition.
You will find it much easier to post and navigate in my web site. Your comments are always welcome.
Wednesday, June 25, 2008
- Smoking is a problem. If you have a business where employees or customers are allowed to smoke on your perimeter, make sure you have appropriate safety measures. You should have a special cigarette trash receptacle outside in several areas for the smokers to throw away their butts. Too often, I’ve seen cigarette butts on the ground in areas where flammables are nearby. Make sure you are giving smokers a place to park their butts. In addition, you should be as diligent as
Disneylandemployees in picking up any stray cigarette butts.
- Housekeeping in general is critical. Keep all refuse and garbage in proper containers and dumpsters. Cardboard can be often left lying around. This is a poor practice anytime but especially now.
- Talk with your employees. Communication on key safety issues should always be communicated with your employees. This is no exception. Remind them of increased fire dangers during the summer and ask them to police the grounds. This should be a team effort. It may also keep them aware of their own personal fire safety at home.
- If your business has a kitchen, make sure everything inside is also being cared for. Housekeeping counts here too. Remind everyone that their mother doesn’t live there and to make sure all appliances that turn on and off are OFF when they leave.
- Make sure all electrical wiring is safe. This is a good time for an inspection of your grounds and buildings. Look for areas that might be cause for concern. Not only will you be protecting your business from a fire hazard, you may be catching other issues as well.
Tuesday, June 17, 2008
What's this mean for you? It means higher retention, better relationships, and less chance of errors and omissions claims. Sound good?
For more information, contact me at 360-697-1058 or email@example.com.
Friday, June 6, 2008
Thursday, May 29, 2008
Now, we can all look at that and see lots of dollars in lawsuits and deservedly so. This is a case where discrimination, harassment, and just poor judgement will cost that school district big bucks.
How does this apply to your work environment? Could you be treating employees in similar ways? Certainly, you may not literally be voting employees off the "island", but allowing certain things to happen in the workplace or making life challenging for difficult employees can happen, even if you don't mean for it to.
Here's the deal...
Employment Practice Liability claims are getting more and more common and costly. You may not even realize that an employee is feeling harassed or discriminated by other employees or supervisors. That is until you get the subpoena!
Make sure that you are doing everything possible to monitor your employees behaviors and document areas of concern. Being sued is the last thing you want. Or being kicked off your own island.
Monday, May 26, 2008
Starting today and running through Labor Day are the 100 most dangerous days to drive for Americans. Pretty sobering thought to bring up on a holiday, but that's what we risk managers do. Why are the next 100 days so dangerous? You probably know most of the answers...
- Speaking of sober, you guessed it - too much drinking and driving. All those summer, graduation, and wedding parties add up to too much alcohol on the road.
- All those teenagers and college students are on the road again. Usually driving way too fast!
- Vacation time means more people on the road. Unfortunately, when we as a society head for a break, we are usually in a hurry to get there. So we drive fast and are impatient. A bad combination behind the wheel.
- We are in too much of a hurry. In our fast-paced world, it all has to happen now. We tend to be late all the time and trying to make up time.
- Distracted driving. Cell phones, eating and drinking, reading the newspaper (you've all seen it), and other distractions are making us less focused. This happens all year round but can be exacerbated during summer.
Here are some tips to help you stay safe this summer...
- Leave early - wherever you are headed, give yourself plenty of time. Many of our accidents happen because we are trying to make up time.
- Don't get involved with an aggressive driver. Let them pass, don't make eye contact and don't stop. If they follow you, drive to a public place - never drive home.
- Don't drink and drive. Enough said!
- Avoid distractions like cell phones and eating in the car. There's too much to keep your mind occupied as it is.
- Be a defensive driver. Pay attention and don't make it a competition.
Friday, May 23, 2008
I just got done reading a blog from a good friend of mine, Pete McDowell. Pete is a business coach and has some valuable insight on re-charging those batteries this holiday weekend. To read his insightful article, click here...
Best wishes for a great weekend.