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An insurance policy is a legal contract that exchanges an insurance company’s obligation to pay for certain losses if the person covered by the policy pays a required premium.

Good safety practices help protect you and your co-workers from injury or illness on the job. Because of that, we take safety very seriously here— and that means that you should consider working safely an important part of your job responsibilities. Know the hazards of your job. Always follow safety rules and procedures. Use all
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Follow these procedures to prevent stack collapse Do you know how to stack loads safely? When stacking loads, such as on pallets, it is important that the stacks do not fall over. This could cause an injury or damage materials. Follow these basic procedures to help make your stacks stable: Put the heavy items on the bottom
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How to clean up safely Why is pest waste a problem? Untreated fecal matter can be a source of harmful bacteria and nutrients. Pet waste also carries disease-causing organisms such as E. coli, Cryptosporidium, Giardia, and Salmonella. In addition, leaving pet waste on the ground may pose a disease risk to children, adults, and other
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Renew your safety knowledge January’s a great time to review your workplace’s safety policy. Fill out this worksheet with safety information that is pertinent to your job. 1. Where is the first-aid kit located? _______________________________________________________________________________ 2. What are my workplace’s accident reporting procedures? _______________________________________________________________________________ 3. Where is PPE required at the facility? What PPE is
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The Super Bowl is probably the biggest sporting event of the year. Certainly in terms of marketing—and of food consumption. According to the Nielsen Report, in one recent year Super Bowl watchers spent $594,500,813 on snacks! Top choices include potato and tortilla chips, popcorn, pretzels, puffed cheese snacks, dip mixes, canned dips, guacamole, chicken wings,
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Use sunscreen and lip balm with sunscreen protection even in winter, because the sun can still harm your skin, especially if there’s reflective snow on the ground. Wear reflective vests or apply reflective strips to your and your family’s clothing when you’re out doing winter activities, because winter days get dark quickly.

Prevent slips and falls in winter conditions Unless you’re ice skating or skiing, you don’t want to be slipping and sliding—especially around your workplace. Weather-related slips and falls become a serious hazard as winter conditions create wet or icy surfaces. Even wet leaves and mud can create treacherous walking conditions. And wet and muddy shoes
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Celebrate the holidays safely ‘Tis the season to be jolly—and to stay away from your car if you’ve been too jolly. December is National Drunk and Drugged Driving Prevention Month. Recent statistics from the National Highway Traffic Safety Administration (NHTSA – www.nhtsa.gov) revealed that in the 12-hour period from 6:00 p.m. New Year’s Eve to
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Don’t give colds and flus to family and friends Have you ever received a gift you didn’t want? While some of us may have a few presents hidden away in back closets, all of us have undoubtedly received unwanted colds and flus from family, friends, and co-workers. According to the Centers for Disease Control and
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If you’ve read the article “Give Your Health a (Clean) Hand,” you know how important frequent handwashing is to preventing the spread of colds and flus. But what do you do in situations where soap and water aren’t available? Use an alcohol gel or wipe to clean your hands. Rub the gel or wipe over
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Medical professionals recommend that people who have the following health conditions should avoid alcohol: A history of a hemorrhagic stroke Liver disease Pancreatic disease Evidence of precancerous changes in the esophagus, larynx, pharynx or mouth Likewise, people who are taking the following medications should avoid alcohol: Antibiotics Anticoagulants Antidepressants Aspirin Diabetes medications Antihistamines Anti-seizure medications
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Even though winter rolls around every year and you may be confident in your ability to avoid slips and falls, don’t let yourself become complacent about the hazards. Keep these statistics in mind: Falls are among the most common type of injury both on and off the job. Several hundred thousand American workers suffer injuries from falls
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Here’s a quick primer: Air-purifying respirators protect against many contaminants by filtering or chemically “scrubbing” them and are used when: There is enough oxygen present. Contaminants can be filtered or “scrubbed” out. Contaminants are not at Immediately Dangerous to Life and Health (IDLH) levels. These respirators have color-coded cartridges or canisters to indicate the type of
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Enjoy the day the healthy way Follow these food and fitness tips: Eat a full healthy breakfast. Don’t “save” calories for the main meal. This is a particularly good practice for the cook to help keep him or her from grazing during food preparation. Eat (and serve) fibrous appetizers, such as veggie trays or sliced fruit with
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What you need to know Q: What is the purpose of the GHS? A: The purpose of the GHS is to provide a comprehensive international system for defining health, physical, and environmental hazards of chemicals; classifying chemicals based on their specific hazards; and communicating hazard information and protective measures consistently throughout the world. Q: Why is
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If you have co-workers who are trying to kick the habit during the Great American Smokeout, do what you can to help. Here’s why: You’ll improve your own health. The 2006 U.S. Surgeon General’s report,Secondhand Smoke: What it Means to You states that secondhand smoke can cause lung cancer, heart disease, and raised cholesterol levels. You’ll improve working conditions.New
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This month consider these statistics: Lung disease is the number one work-related illness in the U.S. in terms of severity, frequency, and preventability. Occupational lung cancer is estimated to kill between 15,000 and 20,000 people each year. Lung cancer is the leading cause of cancer death for both men and women in the U.S. Occupational lung disease can
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Earthquakes can happen anywhere! Make sure you know how: To participate in earthquake drills. To mount pictures and wall hangings securely. To keep desktop computers and appliances in restraints. To keep desk drawers and filing cabinet doors latched. To keep large equipment and furniture anchored to walls or floors. Where first-aid kits, flashlights, battery radios, blankets,
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Rake leaves safely Colorful autumn leaves are lovely falling past your window – until you look out and see that they’ve covered your lawn in an inch of now-brown, dried-out husks! How do you get rid of them in a way that’s healthy for you and the environment? Try these options. For your health: Wear
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While it is too soon to place a dollar amount on the cost that the devastating 9.0-magnitude earthquake and subsequent tsunami that rocked Japan on March 11 will have on the global insurance industry, early estimates are easily in the billions of dollars. Entire villages were destroyed and hundreds of thousands of Japanese people lost
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When laws do not do enough to curb texting and driving, technology can intervene. Next time you are stopped at a red light, look at the drivers around you. Chances are you will see one of them quickly looking down and back up as they send a text message or read an email on their
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The sudden rise in the cost of a gallon of gasoline is unsettling for many Americans and may be the beginning of a trend that sees prices continue to escalate into the spring and summer months. While we certainly cannot do anything to control these numbers, we can at the very least help you find
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On January 31, United States District Court Judge Roger Vinson ruled that the individual mandate in the Patient Protection and Affordable Care Act is unconstitutional and that the entire Health Care law should be voided. The individual mandate provision in the Act requires Americans to purchase health insurance or face being fined. According to the
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Peoples First would like to congratulate Commercial Risk Manager Keith Richardson for being named the York County Regional Chamber of Commerce Ambassador of the Year during the Chamber’s annual meeting on January 20. Keith was honored for his dedication to the Chamber and to the York County community. Congratulations Keith, and thank you for everything
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The passing of the Patient Protection and Affordable Care Act (PPACA) in March 2010 instituted numerous changes to Health Care system in the United States. Some provisions took place immediately, while others do not kick in for a few years (the last change goes into effect in 2018). This act institutes widespread change to the
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If you are a small business owner offering group health insurance for your employees, you may be eligible to receive a health care TAX CREDIT to help you provide the coverage for them, starting with tax year 2010. If eligible, your business can receive a federal tax credit for up to 35% of your health
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