Riding the Storm Out

It’s that time of year when REO Speedwagon’s “ Ridin’ the Storm Out” song hits home for many businesses. Storms often lead to flooding, the nation’s most common and costly natural disaster…and one that causes millions of dollars in damage every year. Through first quarter 2017, the U.S. has seen an above-average number of storm reports. If you think you’re immune to this, think again. Floods can happen anywhere. More than 20 percent of flood claims come from properties outside the high risk … [Read more...]

Riding the Storm Out

It’s that time of year when REO Speedwagon’s “ Ridin’ the Storm Out” song hits home for many businesses. Storms often lead to flooding, the nation’s most common and costly natural disaster…and one that causes millions of dollars in damage every year. Through first quarter 2017, the U.S. has seen an above-average number of storm reports. If you think you’re immune to this, think again. Floods can happen anywhere. More than 20 percent of flood claims come from properties outside the high risk … [Read more...]

Riding the Storm Out

It’s that time of year when REO Speedwagon’s “ Ridin’ the Storm Out” song hits home for many businesses. Storms often lead to flooding, the nation’s most common and costly natural disaster…and one that causes millions of dollars in damage every year. Through first quarter 2017, the U.S. has seen an above-average number of storm reports. If you think you’re immune to this, think again. Floods can happen anywhere. More than 20 percent of flood claims come from properties outside the high risk … [Read more...]

Let’s Clear the Air on Environmental Coverage

Deep breath in. Can you smell the fresh air? Maybe…maybe not…depending on where you are. Earth day is April 22, and I couldn’t think of a better time than now to share some basic information about Environmental Liability, also known as Pollution Liability. If you have a General Liability policy, why would you need Environmental Liability? You should be covered, right? Well, that may not be the case. Environmental Liability was introduced in 1978 and was created as a way to close the … [Read more...]

A Sigh of Relief for Ammonia Retailers…For Now

If you heard a loud, collective sigh of relief recently, it may have been from anhydrous ammonia retailers, and if you’re one of those retailers, you know why! The retailers were told they wouldn’t have to implement the Occupational Safety and Health Administration’s (OSHA’s) Process Safety Management (PSM) Standard (at least for now). The reason for the reprieve? OSHA’s failure to follow federal rulemaking requirements. Why is this a big deal? Well, a typical retailer would have struggled to … [Read more...]

A Sigh of Relief for Ammonia Retailers…For Now

If you heard a loud, collective sigh of relief recently, it may have been from anhydrous ammonia retailers, and if you’re one of those retailers, you know why! The retailers were told they wouldn’t have to implement the Occupational Safety and Health Administration’s (OSHA’s) Process Safety Management (PSM) Standard (at least for now). The reason for the reprieve? OSHA’s failure to follow federal rulemaking requirements. Why is this a big deal? Well, a typical retailer would have struggled to … [Read more...]

New OSHA Anti-retaliation Rule Causes Confusion and Concern

Remember that little (OK…actually very big) rule R.W. Smith recently told you about — the Occupational Safety and Health Administration (OSHA) anti-retaliation rule? Well, it went into effect December 1, 2016, and, to be blunt, it’s causing a lot of confusion and concern. Employers are struggling to understand how elements of the rule will affect the administration of post-accident drug testing, incentive programs, and disciplinary actions for safety infractions. To break it down a little bit, … [Read more...]

New OSHA Anti-retaliation Rule Causes Confusion and Concern

Remember that little (OK…actually very big) rule R.W. Smith recently told you about — the Occupational Safety and Health Administration (OSHA) anti-retaliation rule? Well, it went into effect December 1, 2016, and, to be blunt, it’s causing a lot of confusion and concern. Employers are struggling to understand how elements of the rule will affect the administration of post-accident drug testing, incentive programs, and disciplinary actions for safety infractions. To break it down a little bit, … [Read more...]

Learning from Our Mistakes

In high performing companies, systems and processes are resources that make the job more consistent and easier. Developing these effective programs can be a significant challenge due to the culture of an organization. One of the best ways to influence the culture is to encourage involvement and establish a climate of continuous improvement. Quite frankly, one of the most successful and impacting programs I’ve had the opportunity to work on is the reporting of near misses or hits. Let me set the … [Read more...]

Learning from Our Mistakes

In high performing companies, systems and processes are resources that make the job more consistent and easier. Developing these effective programs can be a significant challenge due to the culture of an organization. One of the best ways to influence the culture is to encourage involvement and establish a climate of continuous improvement. Quite frankly, one of the most successful and impacting programs I’ve had the opportunity to work on is the reporting of near misses or hits. Let me set the … [Read more...]