Welcome to Work Comp Wednesdays! Insurance People is the industry-leader in North Carolina workers’ compensation insurance. Each week, our team takes a frequently asked question and expands on the issue for our clients, prospective clients, and community members to better understand the confusing nature of Work Comp. Background: The purpose of the Occupational Safety and Health Act of 1970 is “to assure safe and healthful working conditions for men and women; by authorizing enforcement of the standards developed under the Act; by assisting and encouraging the State in their efforts to assure safe and healthful working conditions; by providing for…
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Insurance People is fortunate enough to work with many breweries and distilleries across the East Coast. Because of this, we are always looking for new ways to educate our clients. As Risk Advisors, our goal is to not offer you appropriate coverages that protect your organization but also offer non-insurance solutions to decrease costs long-term. Travelers Insurance wrote a blog titled, Breweries and the Craft of Managing Risks, which focuses on unique ways for businessowners to further protect their brewery. According to Travelers, “Brewers typically understand how important it is to have clean tanks and productions lines, because the impact…
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Welcome to Work Comp Wednesdays! Insurance People is the industry-leader in North Carolina workers’ compensation insurance. Each week, our team takes a frequently asked question and expands on the issue for our clients, prospective clients, and community members to better understand the confusing nature of Work Comp. Background: It is no secret that workplace injuries and illnesses can leave a nasty impact on an employer’s bottom line. While most employers understand there are costs associated with each injury, many employers are not aware that their workers’ compensation carrier will not assume all of these costs. In any workplace incident, there…
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Prepared by our friends at Beyond Insurance Global Network To our valued customers: As a trusted advisor to your organization, we felt it was appropriate to provide you with a state of the insurance industry 2021 report. We are in what is defined as a hardening market. We last saw this market cycle in the early 2000s. Some describe this cycle as an Underwriter-Driven Hard Market. In the following report, we have outlined why we are in this market, and what you can expect moving forward in 2021 and beyond. We hope that you find this information valuable. What are…
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As a risk-management driven agency, we are always looking for new ways to help our community stay safe at work. A safe workplace not only reduces financial costs associated with accidents, it also improves the overall morale of the employees. The easiest way to prevent workplace accidents from occurring in the future, is to learn what accidents take place the most frequently. According to Amtrust Financial, one of the largest providers of Workers’ Compensation insurance nationwide, the five most common workplace accidents include: Burns Falls, Slips or Trips Lacerations Overexertion Transportation Incidents Burns – Many industries have exposures to burn…
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Welcome to Work Comp Wednesdays! Insurance People is the industry-leader in North Carolina workers’ compensation insurance. Each week, our team takes a frequently asked question and expands on the issue for our clients, prospective clients, and community members to better understand the confusing nature of Work Comp. This article is written by our friends at EmergeApps: Background: Many employers are required to keep an ongoing record of work-related injuries and illnesses known as an “OSHA 300 log.” While it is often apparent whether an injury is work-related, the nature of COVID-19 can make it difficult to determine whether an infection…
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Whether they are protecting the environment, feeding the hungry, or even funding critical research projects, Nonprofit Organizations aim to assist their communities in any way possible. Because these Nonprofits are working with such unique risks, it is imperative that they have the correct insurance coverages in place. Unfortunately, it is possible for one large claim to lead to end of these organizations. Because of that, we want to ensure that your Nonprofit has all the necessary insurance policies. Below you will find the types of insurance that Nonprofits should consider: General Liability Commercial Property Professional Liability Automobile Directors and Officers…
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Name: Bennett Sterling Age: 25 Hometown: Durham, NC Fun Fact: The only type of seafood that Bennett eats is fried shrimp! Bennett is a Durham-native and is a licensed Property and Casualty Insurance agent. He joined Insurance People in early 2020, only three days prior to the initial Covid-19 stay-at-home order. Bennett has a background in Sales and Customer Service Relations, stemming from his passion to serve others. He received an academic scholarship to attend High Point University, his freshman year, where his focus was Business Administration. Bennett enjoys the industry because it is continuously evolving and there is something…
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Restaurants across the country are taking the necessary steps to ensure that their businesses remain operational during the winter. Because so many restaurants are unable to support indoor-dining, procedures have been put in place to provide outdoor-dining to their customers. Whether it is a plastic-pod or a tent, outdoor-dining options provide these businessowners a chance to serve their customers while limiting exposure to Covid-19. However, these outdoor-dining solutions are not free of liability concerns. These outdoor structures are valuable in the sense that they provide restaurants an opportunity to serve their patrons; however, there are procedures that should be followed…
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Now, more than ever, commercial buildings are being left vacant because businesses are working remotely. Although the vacancy may be temporary, commercial property owners should still take the time to ensure that their vacant building is protected. These buildings face a variety of risks, including: Crime, Water, Fire, Pests, and Contamination. Whether businesses are closing for the holidays or due to Covid-19, there are eight steps property owners can take to secure their vacant commercial building. Below, you will find those eight steps: Secure the Building – alarm system, security cameras, motion-activated lights, etc. Tell the Local Authorities – Let…
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