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Nail Gun Safety for Contractors

By Business Insurance, Insurance, Specialty Insurance

“Nail guns are a leading cause of injury among residential carpenters and responsible for an estimated 37,000 emergency room visits each year, of which 60% are occupationally related.” – The National Institute for Occupational Safety and Health (NIOSH) In today’s construction industry, nail guns have become the preferred tool when working with wood frame construction. They are not only more powerful than a traditional hammer, but they also allow crews to complete projects faster. However, these tools are not without their risks. As previously mentioned, according to the NIOSH, nearly 37,000 people get sent to the emergency room each year…

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Insurance People Sponsors Boricua Fall Fest at Rocky Mount Mills

By Business Insurance, Insurance, Personal Insurance

Insurance People had the honor to be a sponsor at Boricua Fall Fest in Rocky Mount on Saturday, October 23, 2021. The purpose of this festival is to reunite all Puerto Ricans and other Hispanics that live in North Carolina and bring them a taste of their island P.R. There were many vendors selling their souvenirs, artisans selling their hand made creations, food trucks with all the Puerto Rican food you can imagine, face painting, bouncy houses, and a famous Puerto Rican rock band called “La Secta All Star.” ​Insurance People’s Haydee Pomales shared the following about her experience at…

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Property Management Group Lowers Experience Mod and Workers’ Comp Premium by 30% through Managing Safety and Risk

By Business Insurance, Insurance, Insurance People of North Carolina, Workers Compensation

INSURED A multi-state property management group. SITUATION The management group had rising workplace injury costs, and their prior agent was not addressing it. This complexity requires expertise, as well as the time and resources to properly audit the company’s safety procedures.  Unable to get a handle on the workplace injury claims, the Experience Mod & Premium began to climb. ASSESSMENT Insurance People’s Master WorkComp Advisor (MWCA) conducted a Risk Management Audit on the company’s Workers’ Compensation program to identify the risk issues facing the company and to help benchmark their performance against ideal industry standards. The company signed a Broker…

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Are Transportation Issues Affecting Your School Policyholders?

By Insurance People of North Carolina, Specialty Insurance

The following information comes from our friends at Utica National Insurance Group. Their new risk management alert – Student Transportation Issues, Options and Training – aims to assist schools with student transportation. The COVID-19 pandemic has resulted in hiring problems for all segments of business – including schools. It has become common in recent years for schools to experience a shortage of bus drivers, causing educational institutions to seek alternatives. PLEASE NOTE: Our preference is for student transportation to be provided by properly trained and certified school employees or a licensed/insured school bus contractor using properly trained and certified drivers….

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Insurance People Brings in Haydee Pomales to Better Serve and Support North Carolina’s Hispanic Community

By Business Insurance, Insurance People of North Carolina, Personal Insurance

  (Durham, North Carolina) Insurance People is proud to announce the addition of our newest team member, Haydee Pomales. With the help of Haydee, Insurance People hopes to better serve and support North Carolina’s Hispanic/Latinx community. According to the U.S. Census Bureau, the Hispanic/Latinx population in North Carolina has grown to over one million residents. Between 2010 and 2019, North Carolina’s Hispanic population grew by 28.3% (226,000), which outpaced the growth of this population nationwide (19.6%). Although Mecklenburg County is home to the largest Hispanic community in North Carolina, the Triangle comprises over 172,000 Hispanic/Latinx individuals. The Hispanic community has…

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Work Comp Wednesdays – Common Workplace Injuries for Charter School Employees

By Business Insurance, Insurance, Workers Compensation

  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: Insurance People is the largest insurer of charter schools in the Carolinas and Georgia. Our agency understands the importance of the culture, experience, and quality education that charter schools provide for the community. For schools to maintain this excellence, we recommend adopting a comprehensive risk management and safety program. Being able…

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What All Cyber Criminals Know and What You Should Know About Them

By Business Insurance, Insurance People of North Carolina

All too often, small and midsized businesses are taken advantage of by cyber criminals. In fact, according to Chubb, more than half of all cyberattacks are directed against small and midsize enterprises (SMEs) and that number is steadily increasing. Here are some further important details related to this subject: 93% of SMEs that have experienced a cyber incident reported that it had a severe impact on their business. Almost all SMEs affected by a cyber incident reported a loss of money and savings. 31% of SMEs reported damage to their reputation, which eventually lead to a loss of clients, as…

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Why Builder Lumber Prices Remain Higher than Headlines Suggest

By Business Insurance, Insurance

*The following blog uses information from NAHB’s article on the subject. We credit NAHB for providing us with this information. According to the NAHB, lumber prices have declined approximately 56% since May 10, 2021. While that seems like good news at first glance, on closer inspection it becomes clear that the situation is still less than ideal for the construction industry. In fact, the NAHB states, “While the price of framing lumber has dropped roughly 50% over the past seven weeks according to Random Lengths, prices paid by builders have declined by a fraction of that amount.” To better understand…

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Work Comp Wednesdays – Workers’ Compensation Insurance Fraud 101

By Business Insurance, Workers Compensation

  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: Despite being illegal, Workers’ Compensation Insurance fraud occurs all too often. Each year, billions of dollars are stolen in the United States due to fraudulent claims and misreported business information. Not only does this misrepresentation adversely affect the business, but it can also affect the state’s workers’ compensation insurance rate system….

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National Safety Month Tips

By Business Insurance, Workers Compensation

As a risk-management driven agency, Insurance People’s goal is to not only offer you appropriate coverages that protect your organization but non-insurance solutions to decrease costs long-term. Because of this, we are always looking for new ways to assist our clients regarding safety. Since 1996, the National Safety Council (NSA) designated June as National Safety Month. Their goal was, “to increase awareness of the leading safety and health risks facing employees and decrease the risk for workplace injuries and deaths in the U.S.”. This year, National Safety Month will focus on the four different weekly topics listed below: Week 1:…

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