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The MCS-90 Endorsement (Explained In Less Than 5 Minutes)

Posted by Jeffrey Forbes on Aug 24, 2016 4:48:13 PM

Almost all personal and business automobile insurance policies exclude coverage for losses caused by pollutants. There is an exception in the case of materials necessary for the function of a vehicle- provided those items were leaked or released from somewhere other than their natural storage or use location.  

This can lead to a large uninsured loss exposure for companies regularly engaged in the transportation of a wide range of products that can be considered pollutants.  Companies unsure of their coverage could face large losses, including civil judgments and large fines, that put the future of the company in jeopardy.

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Topics: trucking, For Your Business, environmental, Road Safety

Don't Get Burned By Contractual Liability Exclusions In Cyber Policies

Posted by Jeffrey Forbes on Aug 18, 2016 8:30:00 AM

Contractual Liability exclusions have found their way into many different types of insurance policies over the years, and cybersecurity insurance has proven no exception.  These exclusions operate to prevent insureds from recovering for losses that result from the insured willingly agreeing to assume a liability or risk in a contract.  In the field of cyber insurance, these types of contractual liabilities can take many forms.  When companies contract out information technology work, cloud storage, or other data services, they may sign contracts assigning liability to them without realizing it.

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Topics: cyberattack, For Your Business, cyber, Insurance Coverage, cyber security

NLRB And The Unionization Of Joint Employees

Posted by Jeffrey Forbes on Aug 12, 2016 5:52:08 PM


On July 11, 2016, the National Labor Relations Board issued its most recent decision further continuing its expansion of joint employer liability.  In Miller & Anderson, Inc., the NLRB addressed the issue of employer consent in relation to union formation when the union would involve both sole employees and joint employees. The Board found that where an appropriate community of interest exists between the sole and joint employees, the potential union does not need employer consent.

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Topics: For Your Business, Employer, Employee, Joint Employer

The FSMA: Preventive Controls for Human Food

Posted by Jeffrey Forbes on Aug 5, 2016 6:57:22 PM

The Food Safety Modernization Act, passed in 2010 and signed into law in January of 2011, sought to introduce major overhauls in the way the United States government regulated food safety. 

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Topics: Safety At Work, For Your Business, Food

Contractor or Employee? Know the Differences

Posted by Jeffrey Forbes on Jul 28, 2016 3:47:27 PM

Employers face difficult decisions when it comes times to classify borderline workers as employees or as independent contractors.  At first, classifying someone as an independent contractor rather than an employee would seem to offer significant advantages.  Companies avoid payroll taxes with independent contractors and do not face issues such as unemployment insurance, worker’s compensation insurance, or employee benefits.  On the other hand, the penalties for misclassification can be quite severe.


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Topics: trucking, For Your Business, Employee Benefits, Employee

The 100 Deadliest Days For Teen Drivers

Posted by Harlee Weible on Jul 21, 2016 9:00:00 AM


Teen Drivers (Ages 16-19) experience more crashes during the summer break. Whether heading to the beach, driving to the movies with friends, or driving home after work; Teen accident rates jump 16%, compared to other times of the year.

Here Are Some Tips To Consider:

  • Texting and otherwise interracting with phones jumps during this time. This is extremely dangerous behavior.
  • 55% of teens text every day, sending almost 100 messages daily. Talk with teens about safe texting practices.
  • Distractions aren't just electronic devices- passengers are also a major distraction for drivers. Restricting trips that include friends, siblings, and other youngsters is advisable. 
  • Practice what you preach! Are you guilty of texting, dialing, checking directions, or changing streaming radio stations while driving? Young drivers see this behavior, they will think it is normal- even if told otherwise.
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Topics: Safety At Home, kids, driving, Road Safety

Prime And Punishment: Amazon Leading The Charge In Ending Over-Charging?

Posted by Jeffrey Forbes on Jul 14, 2016 9:00:00 AM

Over the past year, the country has seen a spate of deceptive pricing lawsuits filed against major retailers.  In October 2015, a Pennsylvania Court granted preliminary approval to a $50 million lawsuit settlement involving Tween Brands. 

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Topics: For Your Business, cyber, retail, Online Retail

4 Things You Need To Know About Wage & Hour Laws In 2016

Posted by Jeffrey Forbes on Jul 8, 2016 5:12:50 PM

New regulations from the Department of Labor are expected to significantly increase the number of lawsuits arising from wage and hour claims. 

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Topics: For Your Business, HR Insights, Wage And Hour

4 Ways to Stay Safe in the Chemical Industry

Posted by Harlee Weible on Jul 1, 2016 2:41:16 PM

Companies all over the world rely on some form of a safety program for their employees.  The question is: Which approach is the best option for them? 

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Topics: Safety At Work, OSHA, Workers' Compensation, Chemical Manufacturing

Trucking Companies in Hot Water? New Food Safety Rules For The Transportation Industry

Posted by Jeffrey Forbes on Jun 23, 2016 7:13:31 PM

On April 6, 2016, the Food and Drug Administration issued its new rule on food safety in

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Topics: trucking, For Your Business, Food, FDA

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