June, 2013

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Executive Protection Portfolio Kidnap/Ransom Coverage For The Workplace

The unfortunate truth about the world today is that you cannot turn on the news without hearing a devastating story that may include kidnap, ransom, or extortion. Although you might run a low risk business, the chance of kidnap and ransom is always present. Through an executive protection portfolio kidnap/ransom insurance policy, you can rest assured that the financial demands associated with such an unfortunate situation will be met.

Executive Protection Portfolio Kidnap/RansomPossible Coverage

Because each business is different and each company has different needs than the next, an executive protection portfolio kidnap/ransom policy can be tailored to your needs as a company. Some of the possible coverage that could be included in your package are:

  • Coverage for ransom payments.
  • Coverage for rewards to find the missing person.
  • Compensation for wages lost while someone deals with the crisis.
  • Compensation for travel and lodging during a search.
  • Coverage for legal fees associated with kidnap, ransom, or extortion.
  • Coverage for medical bills as a result of physical and psychological harm that occurred during the ordeal.
  • Compensation for funeral costs if the victim is killed.

Because kidnapping, ransom, and extortion are such random acts, it is impossible to be completely prepared for the situation. The good news is that with an executive protection portfolio kidnap/ransom policy in place, you can be better prepared and feel confident that you can meet all the financial needs if such an unfortunate situation does take place.

A Guide to Renters Insurance Orlando

Orlando Florida Renters Insurance Courtesy of: Renters Insurance from Newman Crane & Associates Insurance, Inc.

Preparing Your Dog for Baby’s Arrival

Families coexisting peacefully with pets is something the Federation of Insured Dog Owners in Florida encourages in a number of ways, including education—for example, preparing your pet ahead of time for the impending arrival of a new baby—a time that can often signal a change in the household when your pet may no longer have your complete attention, and could react negatively.

This can be a difficult time for a dog that is accustomed to frequent physical and verbal contact from you, and suddenly finds himself competing with what seems like a noisy ball of blankets. A few months before the baby’s arrival, here are some things you can start to implement:

Note how much time you spend absent-mindedly interacting with your dog, whether it’s talking to him during dinner prep, stroking him while watching the nightly news, and so on. Gradually decrease that amount of unconscious attention, so the dog becomes more accustomed to it; replace it with engaged, interactive playtime with the dog. He’ll soon get used to fewer random belly rubs or head pats and won’t mind as much if they’re replaced with solid chunks of one-on-one quality time.

Get your dog used to what’s to come by playing recordings of baby noises at a small volume. Increase the volume gradually as the dog becomes accustomed to the noises, as long as he appears calm or just curious about the noise but doesn’t seem to be afraid.

Consider getting a baby doll—one that looks and sounds like a real baby. Hold it and treat it like a real child—put it in the crib, in the child seat or changing table, etc., and let the dog watch your behavior. Praise him for calmly checking out what’s going on without barking, jumping, or pawing you.

No matter how much you trust your dog or how old he is, never leave the dog unattended with your baby.

These simple steps can make for an easier transition to bringing up baby and Bowser alike.

Improvements Seen in Workers Comp Statistics, More Work Needs to Be Done

Discussion about PA workers compensation and related statistics can seem like a litany of numbers that don’t seem to have much personal impact, until the sobering reality hits home that every day in the U.S., 13 people get up and dutifully go to work—only to never come home because they die on the job. This translates into nearly 5,000 people killed on the job in 2011.

In terms of workplace injuries, the numbers are much worse. Nearly 4 million people are injured each year on the job, many of them disabling injuries from which some workers may never fully recover. The encouraging news, though, is that these numbers are actually improving, thanks in large part to the creation of the Occupational Safety and Health Administration (OSHA), the federal agency created 40 years ago to inspect workplaces across the nation in order to improve the health and safety of more than 130 million workers at more than 8 million worksites throughout the U.S. With 10 regional offices and 90 local area offices, OSHA advocates workplace safety and strives to reduce fatalities. Consider that since 1970, fatalities in the workplace have been reduced by more than 65 percent, which translates into 13 fatalities per day instead of the 38 fatalities per day that occurred in 1970.

At the same time, occupational injury and illness rates have dropped by an impressive 67 percent. This translates into 10.9 incidents for every 100 workers in 1972, compared to fewer than 4 incidents per 100 workers in 2010, a major downturn that for once is a favorable one! Making these numbers even more impressive is that fact that during the same timeframe, the size of the U.S. workforce has nearly doubled.

Working with committed employers, OSHA continues to strive for better, safer, working conditions on the job for employees just like you—and in the process, improve the PA workers compensation statistics so that every day, each man and woman who clocks in to work can stand better odds of returning home to their families at the end of their shift, safe and sound.