​Dan M. Molyneaux, Jr., CPCU, ARM, CRIS 
Chief Executive Officer ​

​Many of our clients, regardless of industry, are being impacted by market changes in the insurance market. A clean loss record may help mitigate some of the impact, but it does not spare clients from these market actions.
 
This is a big picture trend in the insurance industry. 
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​Allow me to explain what is happening.

Just as the heat poses safety risks in the summer, the freezing temperatures and bitter wind chills of winter pose serious safety issues. Those who work outdoors, face the dangers of lowered body temperature, hypothermia, and frostbite.

Snow has arrived for many parts of the country, and that means it's time to brush up on tips for safe winter driving, especially in snow.

The roads can get slick and visibility can dwindle, so always take it easy, drive calmly and stay safe. Whether you've driven in snow often, a short while, or never, it's always a good idea to brush up on the basics to help you stay safe during this time of year.

No workplace is immune to the risks of an active shooter incident. However, there are steps that you can take to ensure that your organization is prepared for the worst.

To prepare your staff for an active shooter situation, create an emergency action plan (EAP) and conduct training exercises. Together, the EAP and training activities will prepare your staff to effectively respond and help minimize loss of life.
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Falls from ladders are one of the most common injuries that construction workers and others in the industry sustain. Because using a ladder seems like common sense, many employers fail to properly train their workers in ladder safety.
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As the temperature drops, pipes exposed to the cold are prone to freeze. This is especially true for pipes located in unheated areas like basements, crawl spaces, attics, and garages. Pipes that run along poorly insulated exterior walls can also be affected by the extremes in temperature.

The continued freezing and thawing of these pipes can cause the material to become weak and break. When this happens, water fills the room, causing significant damage. A crack measuring as little as three millimeters can send as much as 250 gallons of water a day into the house or building.
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Because your home or building is a valuable asset, it’s critical to take preventive steps to avoid major inconveniences, high repair costs, and higher insurance costs.

Every employer, no matter how small, faces the specter of being sued by a past, present, or prospective employee at some time.

Employment practices claims have become so widespread that businesses are more likely to have an employment practices liability claim than a general liability or property loss claim.
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A fire can happen anywhere, but three simple steps: Look, Listen, and Learn, are essential to reducing the likelihood of having a fire and escaping safely in the event of one. The National Fire Protection Association’s 2019 Fire Protection Week Campaign is an important reminder to:

• Look for places fire could start. Take a good look around your home. Identify potential fire hazards and take care of them.
• Listen for the sound of the smoke alarm. You could have only minutes to escape safely once the smoke alarm sounds. Go to your outside meeting place, which should be a safe distance from the home and where everyone should know to meet.
• Learn two ways out of every room and make sure all doors and windows leading outside open easily and are free of clutter.

​Fires are the leading cause of home injuries and death. In a fire, mere seconds can mean the difference between a safe escape and a tragedy.  Does your family have a plan if a fire started in your home?

​As natural catastrophes continue growing in number and severity, everyone should be prepared for quick evacuation in case of emergency. Even if you don't live in an area known for natural disasters, you should always be ready in case you have to make a sudden evacuation.
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Vehicle crash statistics are startling. A vehicle crash occurs every five seconds, someone is injured in a vehicle crash every 10 seconds, and someone dies in a car crash every 12 minutes. 
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