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 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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Risks Ahead. Age counts on highway and in Auto Insurance
August 28, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
According to statistics from the National Highway Traffic Safety Administration and the Insurance Institute for Highway Traffic Safety, the safest drivers are in the age group between 64 and 69 years old. Studies of the data reveal that teenage drivers — especially male teenage drivers — are the most dangerous drivers on the road. Young […]
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Cyber Insurance Coverage – Is a hacker riding shotgun in your company’s vehicles?
August 26, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
Today’s cars can stream music, place phone calls, navigate and much more. Essentially, they are smartphones on wheels. Just like smartphones, they can be hacked. “Software operating today’s vehicles easily have more than 100 million lines of code — more than a modern fighter jet, airliner or typical operating system such as Windows,” according to […]
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Risks Ahead. Safe behavior on the highway can also save money. Fleet Safety Programs are Important!
August 21, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
If ice or snow breaks free from a moving car and causes injury or property damage, Pennsylvania motorists can be fined $200 to $1,000. Distractions on the dashboard or in front of the windshield can lead to a $54 fine for New Jersey motorists. This can include air fresheners dangling from the rear view mirror. […]
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