Important Insurance Related Provisions within Commercial Contracts

commercial lease insurance provisions

Your insurance professional should review the insurance provisions in your contracts prior to signing the documents. Why? Because the insurance-related risks are not always obvious and may result in a costly uninsured surprise. Well-negotiated contracts can be the least expensive and most effective way to mitigate or transfer risks.  However, contracts with customers, suppliers, and […]

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Home Business Insurance: What Do I Need to Know?

home business insurance

Do you really need home business insurance? For most, the answer is “yes”. Here’s what you need to know. A survey fielded by a national alliance of business owners and their employees who offer insurance and financial services products has indicated almost 60 percent of home-based businesses do not have proper home business insurance coverage. […]

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Cyber Liability Insurance: Four Ways to Safeguard Your Small Business

Cyber Liability Insurance

Since big companies such as Target, with nearly 2,000 stores in the U.S., and Equifax, with more than $3 billion annual revenue, are targeted by cybercriminals, one might think small businesses would not need cyber liability insurance. This could not be farther from the truth. Unfortunately, small businesses also are targeted with depressing frequency. According […]

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Eliminate Workplace Hazards: Five Steps Every Business Should Take

Eliminate Workplace Hazards

Most risk and insurance professionals know how to recognize and eliminate workplace hazards. As in most things, an ounce of prevention is worth a pound of cure. Five Steps to Eliminate Workplace Hazards Step 1 – Know a real hazard when you see one Before you can identify and eliminate workplace hazards it’s important to recognize the difference […]

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KMRD Partners Recognized as 2017 Best Insurance Agency to Work For by Insurance Journal

best insurance agency to work for

KMRD Partners, a leading provider of risk management, insurance, and human capital solutions, was named as the Silver Winner for Best Agencies to work for by the Insurance Journal Culture, people, strong leadership, mutual respect, community care, growth, and profitability are a few of the reasons why KMRD Partners earned the award from Insurance Journal. […]

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Risk Management for Nanotechnology and Food Recalls

Insurance carriers can help assess and transfer the growing risks from food recalls and nanotechnology. While food recalls can result from fears of bacterial contamination, they can also result from labeling mix-ups and undeclared contents. Earlier this year Ben & Jerry’s Ice Cream recalled products due to undeclared peanuts, Whole Foods Markets recalled cold pressed […]

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Leading Safety versus Measuring Failures – Safety Incentive Programs

Safety Incentive Programs

The Occupational Safety and Health Administration (“OSHA”) issued its final rule to “Improve Tracking of Workplace Injuries and Illnesses” on January 1, 2017. It addressed injury-based safety incentive programs as part of safety program management in addition to affirming the statutory prohibition on retaliating against employees for reporting work-related injuries with the following advice: An […]

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Leading Safety versus Measuring Failures – Steve Macauley

When The Occupational Safety and Health Administration (OSHA) issued its final rule, “Improve Tracking of Workplace Injuries and Illnesses,” on Jan. 1, it addressed injury-based incentive programs as part of safety program management in addition to affirming the statutory prohibition on retaliating against employees for reporting work-related injuries with the following advice: An employer’s procedure […]

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Executive Perspective: Our Time to Lead; Risk Remains When Waters Recede

flood insurance

As I record these thoughts, Hurricane Irma has been downgraded to a tropical depression after having lashed Florida and more than a half-dozen Caribbean Islands. The storm led to 6.3 million Florida residents being ordered to evacuate, while more than 6.5 million are without electricity. Nearly one million Georgia and South Carolina residents are also […]

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2018 OSHA Update – Bob Dietzel, KMRD Partners

Bob Dietzel OSHA Update

When on January 1 the Occupational Safety and Health Administration (“OSHA”) issued its final rule, “Improve Tracking of Workplace Injuries and Illnesses,” it addressed injury-based incentive programs as part of safety program management. It also affirmed the statutory prohibition on retaliating against employees for reporting work-related injuries. An employer’s procedure for reporting work-related injuries and […]

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