Category: Articles
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Why Data is Outperforming Legacy Safety Programs
For years, fleet safety followed a predictable model: classroom training, policy manuals, quarterly safety meetings, and post-accident reviews. When an incident occurred, the organization investigated what happened and adjusted accordingly. That approach wasn’t wrong, it just assumed the world would stay the same. Today, fleets are often doing more safety work than ever, yet auto…
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Worker’s Compensation Fraud and How to Limit the Exposure
According to the North Carolina Department of Insurance, insurance fraud costs Americans more than $300 billion each year. That adds up to $933 for every individual or $3,800 for a family of four. In this article, we’ll explore workers’ compensation fraud in particular and how to reduce its impact. Employees can commit workers’ compensation fraud…
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How Subcontractor Default Insurance (SDI) Can Protect Your Project’s Balance Sheet, Timeline and Delivery
Subcontractor Default Insurance (SDI) is an innovative insurance policy designed to protect general contractors and project owners from the financial impact of subcontractor defaults. Since its debut in 1995, SDI has become a trusted solution for managing subcontractor risk. Why Choose SDI? Top-tier fleets are being affected by: Comprehensive Protection: SDI covers both direct and…
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Protecting Your Commercial Kitchen from Fires: A Critical Risk Management Issue
In the dynamic environment of commercial kitchens, safety is paramount, not only for protecting personnel and property but also for ensuring operational continuity. Among several potential hazards, kitchen fires pose a significant risk, often resulting in devastating consequences if not properly managed. As risk managers and industry leaders, understanding the nuances of fire prevention and…
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Navigating Pollution Liability Exposures: Strategies for Effective Risk Management
Pollution incidents—chlorine leaks at hotel pools, dust from construction sites, chemical releases in manufacturing, etc.—pose significant safety and liability challenges across many industries, including hospitality, construction, manufacturing, healthcare, transportation, and agriculture. The scenarios above highlight the critical need for organizations of all sizes and across all sectors to integrate pollution risk management into their safety…
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The New Liability Crisis: Why Fleets With ‘Good Scores’ Are Still Getting Hammered – And How to Fight Back
For years, transportation companies who invested heavily in fleet safety programs believed their strong SMS scores, clean inspection history, and telematics would insulate them from the worst of the market. But 2025 has shattered that assumption. Even well-run fleets with low crash frequency and high safety compliance are seeing double-digit increases on Auto Liability—often with…
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Compliance Q&A: Look-Back Measurement Method – Reduction of Hours
Question Our company uses the look-back measurement method to identify full-time employees. I recently hired an employee who was expected to work full-time hours. We offered her medical insurance coverage and she accepted. Since then, however, she dropped to part-time hours. What should I do about her benefits? Summary If an employee who is initially…
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Compliance Q&A: Common COBRA Compliance Pitfalls
Question When is COBRA continuation coverage required, and what are some common missteps to avoid? Summary The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) grants individuals the right to continue employer-sponsored health insurance coverage for a limited period after experiencing qualifying events such as a job loss or reduction in work hours. Despite its…
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What to Know Before You Go It “Alone” and Offer a Supplemental Health Program to All Employees
Has a vendor ever approached you about offering a medical or pharmacy benefit separate from your medical plan? When you offer a program to employees other than those who participate in your medical plan, we refer to it as a ‘stand-alone’ plan. These types of programs can be an inexpensive way to provide at least…
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Checklist: How to Prepare Your Business for Hurricane Season
How do you prepare your business to weather the potential damages hurricanes can cause? The good news is that a relatively small investment of time and money now may prevent severe damage and disruption to your business down the road. Here’s a checklist to get you on the right track. 1. Know your building’s vulnerability…