Haylor Risk Management Blog

Because you always want to come home to them.....

Businesses in the health care, transportation, and manufacturing industries have a responsibility to their employees’ health and safety. This responsibility is especially important because their employee’s job performance impacts the safety and health of patients, drivers and many others.

This responsibility is also challenged by the rising costs of providing health care. To combat this, the insurance industry is implementing new risk management protocols. Specifically, insurers want employers to comprehensively assess how health and wellness program decisions impact employee job performance.

To learn more about how the insurance industry is implementing new risk management protocols and integrating holistic data into strategic decision making, read The Future of Integrated Risk Management,developed by Innovu and distributed by Haylor, Freyer & Coon's global partner, Assurex Global.

According to Accident Fund Insurance Company of America and United Heartland, during last year’s difficult winter, slips and falls on ice and snow accounted for nearly one-third of all workers’ compensation claims that resulted in lost time from work. This type of information reminds us here in upstate New York  to be diligent about safety with the winter weather that has arrived!

With the blink of an eye, wind speed and direction can turn a sunny winter day into a blizzard event that lasts for a week. Whatever the weather, a well-planned snow and ice removal strategy will be essential for the safety of your customers and employees as well as your daily operations and bottom line. One incident of slip and fall can be detrimental, but as the business or property owner, you should be aware of other incidents and risks that may arise from failure to properly remove ice or snow from your property.

Did you know that children recover from a concussion at a slower pace than adults due to their developing brain?

In New York, public parks are considered to be part of a local municipality's job of promoting the health and welfare of the general public.

To most insurance agencies, “claims” mean nothing more than having a few people to answer the phone and assist with claims reporting. Haylor, Freyer & Coon is not most insurance agencies. We truly invest in our claims service, advocating for customers, educating them and making an impact on the ultimate outcome of claims as you will see in the three unique case studies here:

As a business, you may think that the need to report a work related injury, illness or death is only necessary for Workers Compensation. The truth is that the Occupational Safety and Health Administration (OSHA) is also on the ‘need to know’ list when it comes to certain reporting.  According to the National Law Review "OSHA Electronic Recordkeeping Rule Creates Significant Reporting Requirements, Potential Enforcement Risks"

In the past, companies that employed fewer than 10 or those that are low risk such as an insurance office, were typically exempt from ongoing recordkeeping when it comes to on the job injury or illness. However, with the 2015 changes in policy, ALL businesses, regardless of size, need to report any work related hospitalizations, amputations or loss of eye to OSHA within 24 hours of the employer learning of the incident. If a death occurs on the job, this is to be reported to OSHA within 8 hours.

From farming to shipping industries, drone operators are putting their unmanned aircraft to a variety of uses.  In fact, the drone market is expected to grow to $4.8 billion by 2021.  With demand increasing, the need for drone insurance is also expected to intensify.

You have worked with architects for months on developing a blueprint for a new office building in town. The plans were approved and contractors have been hired, work on the construction site has begun and things are going well. During week 3 of construction you turn on the news to an alarming weather forecast. Your town is anticipated to see strong winds and rain for days. In that moment there is panic, you almost break into a sweat until you remember that you have purchased an insurance policy for this exact reason, to cover your damages and loss.