November 25, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
The traditional American Thanksgiving dinner includes 3,000 – 4,500 calories. This can lead to “holiday heart syndrome,” which is caused by the combination of alcohol and overeating – often, binge drinking and binge eating – in people with otherwise normal hearts. This leads to supraventricular arrhythmias, typically atrial fibrillation. One glass of red wine amounts […]
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Risks Ahead. Have you checked your New Year’s Eve Risk Profile lately?
December 31, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
More than 4,000 vehicles are stolen on New Year’s Eve and New Year’s Day, according to the National Insurance Crime Bureau. New Year’s Eve/New Year’s Day is the second most deadly day for drivers, according to the Insurance Institute For Highway Safety. Some people believe breaking anything on New Year’s Day could ring in a year […]
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Don’t Be Distracted By Ringtones, Alerts and Vibrations – Auto Fleet Safety
December 30, 2015 / by KMRD Partners / One Minute From Normal Series, Risk Control / 0 comments
According to a recent study by Florida State University, the distraction caused by a notification on your personal device – an inbound phone call or text, an alarm bell or even a vibration – is comparable to the effects caused when you make a call or send a text message. Anyone who had a science […]
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Winter Risks Ahead. Winter begins in two weeks, and with it come these risks
December 10, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
From 1994 – 2013 insured winter storm catastrophe losses totaled more than $1 billion a year on average. Approximately 23% of vehicle crashes each year – nearly 1,312,000 – are weather related. 17% occur during snow or sleet. Water damage and freezing account for almost 22% of homeowners insurance claims, with an average of $4,024 […]
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Risks Ahead. Have you checked your Thanksgiving risk profile lately?
November 25, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
The traditional American Thanksgiving dinner includes 3,000 – 4,500 calories. This can lead to “holiday heart syndrome,” which is caused by the combination of alcohol and overeating – often, binge drinking and binge eating – in people with otherwise normal hearts. This leads to supraventricular arrhythmias, typically atrial fibrillation. One glass of red wine amounts […]
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Business Auto Insurance Policy – Don’t Be Sideswiped By Negligent Entrustment
November 17, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
What if an unscheduled event suddenly seizes control of your business? Are you ready? With hazardous driving conditions about to return, it becomes even more important to examine the theory supporting negligent entrustment. The law maintains a company has a legal duty to investigate the driving records and qualifications of all potential drivers and take […]
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Risks Ahead. Driving and just about anything else don’t mix… Fleet Safety
November 13, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
According to a study fielded by AAA, listening to the radio and driving is a category 1 distraction. Talking on a hand-held or hands-free cell phone resulted in a category 2 distraction. Using an error-free speech-to-text system to listen to and compose e-mails is a category 3 distraction. Hands- and eyes-free use of Apple’s Siri […]
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Risks Ahead. Drowsy Drivers Cause Accidents – Update Your Auto Fleet Manual to Increase Awareness
October 23, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
According to a study by AAA Foundation for Traffic Safety, between 2009 and 2013 21% of all fatal crashes involved a drowsy driver. 1. 37% of drivers report having fallen asleep behind the wheel at some point in their lives. 2. 11% report having fallen asleep behind the wheel in the past year. 3. Most […]
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Negligent Entrustment – Auto Liability Insurance – Interlock devices save lives
October 6, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
According to Pennsylvania State Statute 75 §3805(a), all autos owned by DUI offenders may for a first offense and must for a second offense be equipped with ignition interlock devices for at least 1 year following license reinstatement. In New Jersey, a first time offender with a BAC greater than 0.15 must install an ignition interlock device. […]
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Vehicle Fleet Risks Ahead. Gender matters on the highway.
October 2, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
Young females have more auto crashes at intersections and collisions with pedestrians. Young males have more auto crashes after sunset than young females. Young females are more likely to be involved in auto crashes during weekdays. Young males are more likely to be involved in auto crashes during weekends. Young females are 66% more likely […]
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Hall of Shame – Fellow Employee Exclusion in the Standard Auto Policy
October 1, 2015 / by KMRD Partners / Coverage Hall of Shame, Insurance Coverage / 0 comments
This scenario represents an actual coverage issue in an insurance program of a well run, profitable business brought to light and altered by KMRD. The following claims scenario was troublesome to the CEO and CFO: Key manager drives an employee using a company vehicle to a client’s office for a meeting. An auto accident occurs and […]
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