Insurance Monthly headlines en-us Copyright 2007 Liberty Publishing. All rights reserved. http://www.ajlupasinsurance.com 60 Fri, 22 Jan 2010 14:55:36 PST Fri, 22 Jan 2010 14:55:36 PST sfl According to a 2008 study conducted by the Association of Certified Fraud, U.S. businesses lose about 7% of their annual revenues to fraud. This equates to a staggering $994 billion loss each year nationwide to employee fraud.  Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=f42d26876e9ff1cc123f93b9cff75ed1103 http://www.siteforless.com/newsletters/?QID=114&tokenID=f42d26876e9ff1cc123f93b9cff75ed1103 Fri, 22 Jan 2010 14:55:36 PST In the U.S. today, one result of corporate downsizing, is that there are many independent contractors in the marketplace. After picking themselves up off the ground and dusting off their overcoats, many former members of "Corporate America" have struck out on their own. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=f42d26876e9ff1cc123f93b9cff75ed1103 http://www.siteforless.com/newsletters/?QID=114&tokenID=f42d26876e9ff1cc123f93b9cff75ed1103 Fri, 22 Jan 2010 14:55:36 PST Most business managers and owners are well aware of the threat of loss from outsiders, and use a variety of methods to reduce this risk. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=f42d26876e9ff1cc123f93b9cff75ed1103 http://www.siteforless.com/newsletters/?QID=114&tokenID=f42d26876e9ff1cc123f93b9cff75ed1103 Fri, 22 Jan 2010 14:55:36 PST When preparing for winter's arrival, most people immediately think of snow tires and protection from wet and icy roads. But what about your home?  Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=4b3dd8900b9635955aeefd0d8e5e3da5103 http://www.siteforless.com/newsletters/?QID=115&tokenID=4b3dd8900b9635955aeefd0d8e5e3da5103 Fri, 22 Jan 2010 14:55:36 PST No driver can afford to be without automobile insurance, but it can be difficult to know how much coverage you really need. These days most states require that all drivers purchase car insurance, and in states where coverage is mandated there is a minimum coverage threshold that must be met. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=4b3dd8900b9635955aeefd0d8e5e3da5103 http://www.siteforless.com/newsletters/?QID=115&tokenID=4b3dd8900b9635955aeefd0d8e5e3da5103 Fri, 22 Jan 2010 14:55:36 PST As the housekeeper is vacuuming your living room, she trips over one of your daughter's toys and seriously injures her back. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=4b3dd8900b9635955aeefd0d8e5e3da5103 http://www.siteforless.com/newsletters/?QID=115&tokenID=4b3dd8900b9635955aeefd0d8e5e3da5103 Fri, 22 Jan 2010 14:55:36 PST Although we may not often think about it, our ability to hear is a valuable asset. We hear soft, pleasant sounds such as whispers and music, and we hear loud noises such as those made by heavy equipment. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=3d86e2dab8fd15cae044c2e1b3860bad103 http://www.siteforless.com/newsletters/?QID=223&tokenID=3d86e2dab8fd15cae044c2e1b3860bad103 Fri, 22 Jan 2010 14:55:36 PST If you revisit some of the lessons learned in basic high school science classes, you will probably remember that 78 percent of the air we breathe is nitrogen gas. If you think a little more, you may also recall that nitrogen is only safe to breathe when mixed with the right amount of oxygen. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=3d86e2dab8fd15cae044c2e1b3860bad103 http://www.siteforless.com/newsletters/?QID=223&tokenID=3d86e2dab8fd15cae044c2e1b3860bad103 Fri, 22 Jan 2010 14:55:36 PST Everyone is well aware that drinking and driving is a dangerous combination, but we also need to recognize that drinking and/or using drugs in the workplace is equally hazardous. Impaired workers may not be able to concentrate on the task at hand. Depending on your job function, an error could cause injury or even death to yourself or a co-worker. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=3d86e2dab8fd15cae044c2e1b3860bad103 http://www.siteforless.com/newsletters/?QID=223&tokenID=3d86e2dab8fd15cae044c2e1b3860bad103 Fri, 22 Jan 2010 14:55:36 PST Lawsuits are a common occurrence in our litigious society. An effective way to limit your liability is to specify your responsibility in a contractual relationship. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=b1126a8fe6faeffda8c651ad17f93b59103 http://www.siteforless.com/newsletters/?QID=266&tokenID=b1126a8fe6faeffda8c651ad17f93b59103 Fri, 22 Jan 2010 14:55:36 PST Commercial general liability insurance pays for lawsuit settlements or court judgments that an organization would otherwise have to pay for certain types of harm others suffer. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=b1126a8fe6faeffda8c651ad17f93b59103 http://www.siteforless.com/newsletters/?QID=266&tokenID=b1126a8fe6faeffda8c651ad17f93b59103 Fri, 22 Jan 2010 14:55:36 PST According to the U.S. Occupational Safety and Health Administration, 969 construction workers suffered fatal injuries while on the job in 2008, almost one-fifth of all U.S. workplace fatalities that year. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=b1126a8fe6faeffda8c651ad17f93b59103 http://www.siteforless.com/newsletters/?QID=266&tokenID=b1126a8fe6faeffda8c651ad17f93b59103 Fri, 22 Jan 2010 14:55:36 PST