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You walk into your office on a Monday morning to discover there has been a sewer line backup. After the initial shock, you wonder, “Do I have insurance coverage for this? If I do have coverage, what are my limits?” These are important questions, and ones you should consider asking your local independent agent now. If you are a dentist, veterinarian or optometrist, losses could be costly. Carpet, furniture, fixtures and business equipment will need to be replaced or professionally disinfected. You may also lose business income for several weeks[.....]

The post Sewer line backup: Know your coverage appeared first on The Cincinnati Insurance Companies blog.

Part 1 of 4 Construction is among the most dangerous industries in the country. Bureau of Labor Statistics (BLS) data for 2014 showed 885 fatal on-the-job injuries, more than in any other single industry sector and nearly one out of every five work-related deaths in the U.S. that year. The Occupational Safety and Health Administration (OSHA) calls the leading causes of worker deaths on construction sites its Focus Four: falls, electrocution, struck by and caught in or between. These four leading hazards are responsible for 71 percent of deaths and[.....]

The post Focus Four construction-related hazards: Falls appeared first on The Cincinnati Insurance Companies blog.

You’re driving along; the car in front of you swerves erratically, the driver apparently under the influence. As you pass, you glance over and shake your head. A look of self-righteous indignation crosses your face, but the driver has no clue of your disgust. You look more closely and see that the driver is obviously under the influence … of a smart phone! Raise your hand if you’ve ever seen this. Keep your hand up if you’ve seen other drivers eating a sandwich, fumbling with a hot cup of coffee,[.....]

The post Distracted driving: Raise your hand if you’ve done this appeared first on The Cincinnati Insurance Companies blog.

Employers can protect their workers and avoid costly fines by implementing workplace safety programs, and their insurers may be able to help. Insurance company loss control consultants can help implement safety programs, provide training and connect employers with resources to make their workplaces safer. Now is a good time to request this support, as employers who violate workplace safety regulations will find that fines are about to get a lot more costly. OSHA FINES INCREASING The Occupational Safety and Health Administration is increasing its civil penalties for all employer violations[.....]

The post Insurers help employers make workplaces safer, avoid potential fines appeared first on The Cincinnati Insurance Companies blog.

Part 2 of 2 – A long-term property maintenance strategy should include planning and budgeting for regular work such as exterior painting or roof replacement, and for capital improvements. The cost of maintenance will always be less than that of a major preservation effort after a period of long neglect. HOUSEKEEPING Careful housekeeping can greatly extend the life of building materials. Removing dirt from floors and other contact surfaces limits deterioration by abrasion. Keeping the building free of food waste reduces the likelihood of pest infestation. Use housekeeping and maintenance[.....]

The post Plan for regular maintenance on your property appeared first on The Cincinnati Insurance Companies blog.