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The June edition of ClubSolutions Magazine, a publication for health club operators, features an article by Brian Rawlings, national program director for Cincinnati’s fitness, sports and recreation program. He explains why it’s important for health clubs to train employees on emergency response, and suggests a quick way to remember what to do in an emergency. The Three R’s of Emergency Response In a health club setting, emergencies can occur at any time. Medical emergencies are the most common when someone is injured, or has a cardiac episode or other health-related issue. Weather emergencies[.....]

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While an unexpected death can be devastating to a family, especially if the deceased had no life insurance, an unexpected disability can be equally as devastating. Without disability insurance, the person affected may worry about paying the bills when the primary focus should be on rehabilitation and recovery. But disability is rare, right? Unfortunately not. According to the Social Security Administration, a 20-year-old worker has a 1 in 4 chance of becoming disabled before reaching retirement age. The average worker faces a 30 percent chance of job loss for 90[.....]

The post Disability insurance keeps your focus on recovery appeared first on The Cincinnati Insurance Companies blog.

A new federal rule for overtime pay that becomes effective December 1, 2016, may increase an employer’s need for EPLI – employment practices liability insurance. In May 2016, the U.S. Department of Labor published a final rule updating its overtime regulations. For decades, the DOL’s federal wage and hour law, known as the Fair Labor Standards Act (FLSA), required employers to pay nonexempt employees overtime at 1.5 times an employee’s regular rate of pay for hours worked in excess of 40 per week. The DOL last updated the exemptions to[.....]

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Fires are a significant hazard on construction sites. According to the National Fire Protection Association, there were an annual average of 830 fires in residential buildings under construction from 2007 through 2011, excluding one- and two-family homes. These fires caused an average of $56 million in direct property damage per year. Over those same years, there were an estimated 400 fires annually in large residential buildings undergoing major renovation, causing an average of $17 million in direct property loss per year. But proper planning and monitoring can improve your chances[.....]

The post Fire danger in the construction zone appeared first on The Cincinnati Insurance Companies blog.

Fire extinguishers can be an effective tool, but only when you select the correct type for your needs; install them in the most effective locations; and learn the proper way to use them. This three-part series covers the basics of fire extinguishers. Part 3 of 3 – Once activated, a fire extinguisher typically provides less than 30 seconds of use. That’s why proper training and application are critical to ensuring effectiveness. Whether in your home or place of business, your first action when a fire occurs should be notification: Call[.....]

The post Training is key to correct fire extinguisher usage appeared first on The Cincinnati Insurance Companies blog.