Risks Ahead. Did you know? Financial stress can take a toll on your health.

Stress

Self reported depression among people who are financially stressed: 23% Self reported depression among people who are not financially stressed: 4% Self reported headaches or migraines among people who are financially stressed: 23% Self reported headaches or migraines among people who are not financially stressed: 4% Self reported ulcers or digestive tract problems among people […]

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Risks Ahead. Have you checked your New Year’s Eve Risk Profile lately?

New Year Risks - KMRD

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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Winter Risks Ahead. Winter begins in two weeks, and with it come these risks

Winter risks

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. Did you know? The following key risks are not typically covered by a General Liability Policy?

Employment Practices Liability Insurance

Financial injury resulting from actual or alleged misrepresentation, mismanagement, or lack of oversight by a company’s directors and officers. Employment-related discrimination, harassment or retaliation. Breach of fiduciary duty imposed by ERISA for an employee benefit fiduciary liability claim. Financial injury that may be insured by professional liability or product or service E&O liability policies. First-party […]

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Risks Ahead. Have you checked your Thanksgiving risk profile lately?

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. Prescription drug abuse leads to longer recovery periods, which can drive up Workers Compensation costs.

According to Dr. Barry Sample, of Qwest Diagnostics, the incidence of prescription drug use is lower in workplaces that test for drugs. The US consumes 71% of global oxycodone supply and 99% of global hydrocodone supply. Nearly 75% of prescription drug overdoses are caused by prescription painkillers. Over 70% of people who abuse prescription painkillers […]

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Risks Ahead. WiFi Warning

Risks Ahead. Call KMRD

Wi-Fi hot spots can leave you, your colleagues your staff and your hard won information wide open to hackers. Once they penetrate your server, all of your information is vulnerable, making you liable for any damages a party may bring in a breach allegation. This makes transferring risk through cyber insurance a critical component of […]

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