SilverBlog

Wisdom from our industry experts and our SilverLink magazine.

 
 

Blog Category: Risk Management

When running a business, it can be difficult to keep tabs on your commercial property value because your attention is often pulled in other directions. Losing focus on this number, however, can spell big trouble for your commercial property insurance policy. If you experience a loss and file a claim, your insured property value will be the number that either gets you back to business or forces you to shut your doors – so you better be sure that number is right!

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There’s no question about it – the trucking industry is facing a massive driver shortage. Despite competitive pay and generous sign-on bonuses, trucking companies across the country are still having a hard time meeting the current shipping demands created by retailers such as Amazon and Walmart. While desperate times seem to call for desperate measures, skipping a driver road test shouldn’t be one of them.

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Senior care risk management is becoming increasingly complex. Our growing elderly population has created a greater demand for in-home care and assisted living facilities. As this demographic grows and becomes more diverse, so do the risks and challenges facing senior care providers. To remain successful, care providers must assess current and emerging trends, and understand the challenges that insurance companies must solve in this evolving industry.

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Aircraft owners and pilots are typically mindful of their fixed costs and the effective management of these expenditures – including aircraft insurance. For more than a decade, aviation insurance rates have declined in an incredibly soft market. Increased capacity in the domestic market has been a significant driver of this trend. But the winds of change are here and the days of paying premiums at a fraction of what they were at the turn of the century are gone.

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Hurricanes.
Cyber attacks.
Flash floods.
Mass power outages.
We live and work in a world where catastrophic events happen and businesses are forced to close down for days, weeks, months – sometimes longer. To avoid a massive loss that could permanently close your doors, you need a solid disaster recovery plan.

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Clients often ask us how they can lower their property and casualty insurance premiums. Some feel these costs are semi-fixed and out of their control. Many believe the best time to get lower premiums is during their annual renewal, but there’s more to it than shopping for a bargain price on insurance once a year. The best place to start is with a comprehensive business risk assessment.

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Does your workplace safety program include an incentive structure? Employers have been using them for years to encourage safe behaviors and reduce violations, injuries and accidents, but recent Occupational Safety and Health Administration (OSHA) memos have left employers confused about the compliance points related to these programs.

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America’s aging population is growing at a rapid rate. There are roughly 56 million Americans over the age of 65, and that number is predicted to climb to 84 million in just three decades. As this demographic steadily grows, so will the need for senior care assistance.

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Looking to hire a new employee? An accurate job description serves as a great starting point to find and hire the right worker for an open position. But if you’re only using it for hiring, you might be missing out on some of the best applications for this useful resource.

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How do you typically start your work day? For most, checking e-mail is an early-morning ritual (sometimes before they even get out of bed). We are fortunate to work in a world of rapid, electronic communication. It helps us get the job done faster. While e-mail may provide us with a quick and easy way to communicate, it also provides cybercriminals with a quick and easy way to target unsuspecting victims.

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