Distracted Driving A Rising Issue in Transportation

Distracted Driving: A Rising Issue in Transportation

The rise of technologies like mobile computing, onboard navigation, and infotainment systems have given rise to new risks on America’s roadways. Distracted driving is a growing issue across transportation sectors, resulting in billions of dollars in injuries, property damage, and lost revenue each year. Transportation insurance brokers like U.S. Risk Underwriters know that fleet managers must understand this emerging risk as a means of combating the expenses and liabilities associated with distracted driving. By gaining an understanding of distracted driving’s impact, transportation-oriented businesses can better protect drivers, vehicles, and cargo from loss.

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Winter Safety Hazards in the Transportation Industry

Winter Safety Hazards in the Transportation Industry

Winter weather creates unique challenges for the transportation industry. Poor driving conditions, freezing temperatures, and an increased risk of injury are all associated with winter storm activity. The transportation sector already faces numerous risks in its daily operations, and these risks are only compounded in the winter months. U.S. Risk Underwriters, a leading provider of specialty insurance solutions for the transportation industry, knows that fleet owners and operators should be aware of winter-related risks. With this knowledge, drivers and related personnel can be better protected no matter what winter brings. 

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Challenges in Implementing Risk Management Measures

Challenges in Implementing Risk Management Measures

Risk management is a fundamental component of every business or organization. Identifying risk exposures, then creating solutions to help mitigate or reduce those exposures, is an important tactic designed to keep overhead costs in check. U.S. Risk Underwriters, a leading provider of specialty insurance programs for commercial operations, understands that while risk management strategies are critical, implementing these measures can pose significant challenges. In this guide, we will explore some of the challenges business owners face as they create workable risk management plans to protect business assets and employees.

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Winter Forecast Workers’ Compensation Claims Likely to Rise

Winter Forecast: Workers’ Compensation Claims Likely to Rise

The winter months are notorious for presenting extra challenges to business owners. Cold weather brings seasonal risks to employees of any organization, and occupational insurance claims typically rise as a result. While workplace injuries can occur at any time of the year, winter’s unique risks require employers to take additional measures to keep employees safe. With winter-oriented safety strategies, employers can better manage workers’ compensation and occupational insurance costs. 

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Property Insurance Claims to Be on the Lookout for as Temperatures Drop

Property Insurance Claims to Be on the Lookout for as Temperatures Drop

Property owners face many risks throughout the year. Claims for property damage can occur for any number of reasons, and it is important to understand that some arise during the winter months. Winter weather can wreak havoc on commercial and residential properties alike; deferred maintenance issues may suddenly cause significant damage as the temperature drops. Severe weather, including ice and heavy snow, may also cause unforeseen damage that isn’t likely in warmer weather. U.S. Risk Underwriters, a leading provider of specialty insurance products, understands that insurance agents should be on the lookout for certain winter-related property insurance claims. By becoming aware of these winter-oriented problems, agents can better prepare their clients, no matter what Mother Nature dishes out.

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The Most Important Steps in Developing a Risk Management Plan

The Most Important Steps in Developing a Risk Management Plan

For any business, risk management is the cornerstone of success. Reducing or eliminating risk exposures helps to drive down overhead expenses, including insurance claims, property loss or damage, and liability. A risk management plan consists of multiple interrelated parts that must all work together to achieve the desired outcome. Organizations often do not understand the best ways to develop a comprehensive risk management plan, however, and the complexity inherent in such plans can be the “make or break” aspect that negatively affects business operations. U.S. Risk Underwriters, one of the nation’s leading providers of specialty insurance solutions, knows that risk management plans are fundamental in business. Here is a look at some of the most important steps to consider when developing a risk management plan for your organization.

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Occupational Accidents, Injuries, and Illnesses That Are Not Covered by Workers’ Compensation Insurance

Occupational Accidents, Injuries, and Illnesses That Are Not Covered by Workers’ Compensation Insurance

Businesses around the world have a duty to their employees to provide safe workplaces free of the hazards that can result in injury. Workplace injuries are some of the most costly incidents that employers face; even in low-risk professions, work-related injuries account for billions of dollars in lost productivity each year. Workers’ compensation and occupational insurance plans help to defray some of the costs associated with workplace injuries, providing coverage for medical expenses and lost wages. Unfortunately, not all injuries are covered by workers’ compensation, and it is imperative that employers understand what is and what is not covered.

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Risk Management for Welding Operations

Risk Management for Welding Operations

It should come as no surprise to learn that among industrial and manufacturing processes, welding operations present significant risks, not only to employees but to property, equipment, and other physical business assets. According to the Occupational Safety and Health Administration (OSHA), over half a million workers are exposed to the hazards common to the welding profession each year, often resulting in injuries, lost wages, and reduced productivity. Faced with the potential for a serious or even fatal workplace injury, how would you prevent welding-related injuries? In this guide, we’ll explore some of the best risk management practices in the industry, helping your business protect employees and assets from the risks associated with welding operations.  

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Why Healthcare Risk Management is Crucial

Why Healthcare Risk Management is Crucial

In any business environment, managing one’s risks is the key to success. Risk management is the practice of identifying the unique risks inherent in an operation, then taking steps to mitigate those risks. In the healthcare sector, risk management is of the utmost importance; unmanaged risks could result in staff injuries, expensive legal claims, or even the deaths of patients. U.S. Risk Underwriters, a leading broker of specialized insurance solutions for the healthcare industry, understands that healthcare organizations must place risk management at the forefront of their considerations, benefitting the organizations themselves as well as their staff and the patients who rely on them for care. 

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Mental Exhaustion in Healthcare A Risk Factor for Employees and Patients

Mental Exhaustion in Healthcare: A Risk Factor for Employees and Patients

The healthcare industry continually faces significant challenges as it delivers quality care to millions of patients each year. Some of these challenges are centered on the level of and the complexity of the care provided. Others are directly related to workloads, which have increased in recent years. Healthcare staffers are expected to do more with less, often resulting in employee burnout. U.S. Risk Underwriters, a leading specialty broker of insurance solutions for the healthcare industry, knows that burnout – a severe form of mental exhaustion – is a very serious risk factor that can affect staff and patients alike. Combatting mental exhaustion in staff can dramatically reduce the risks associated with this condition, saving money on expenses while protecting a given facility’s workers and its patients from harm. 

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