Haylor Risk Management Blog

Owning a business can be very rewarding and also very challenging. As a business owner you invest hours upon hours to develop success,  it is only natural to want to protect your investment, and a proper insurance/risk management program is one way of doing that.

Although marijuana remains illegal under U.S. federal law, the drug is increasingly becoming legalized throughout the states. In fact, four states and the District of Columbia have legalized the medical and recreational use of marijuana in order to regulate, tax and test it—and many other states are considering similar laws.
While the legalization debate rages on, it forces the question: How should employers move forward with their drug policies? Employers in manufacturing, manual labor, and transportation have a lot to lose with a no-tolerance drug policy as they are caught between providing a safe work environment and potentially alienating qualified employees.

A drone is not exactly a simple toy. This unmanned aircraft system comes with a set of specific guidelines which need to be followed to avoid legal issues. Many children do not fully comprehend the legal and safety restrictions which could potentially have major consequences.

According to the US Department of Education, more than 60% of students served under the Individuals with Disabilities Education Act (IDEA) are educated in general classrooms for as much as 80% or more of the day.  

According to the US Department of Education, more than 60% of students served under the Individuals with Disabilities Education Act (IDEA) are educated in general classrooms for as much as 80% or more of the day.  

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.