For many, the New Year is an opportunity for a new beginning and a chance to excel and challenge themselves. While you celebrate these new possibilities, make sure you’re staying safe while bringing in the New Year.  The combination of busy roads, alcohol consumption and fireworks make this festive time one of the most dangerous holidays of the year. Between 2007 and 2011, an estimated 42% of traffic fatalities were due to drinking and driving during the New Year's period. By following these simple New Year’s safety tips, you can avoid becoming a statistic and have a fantastic time bringing in the New Year! 

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.
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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.

​When dealing with the frigid temperatures of winter, there’s not much worse than coming out to your car to find the doors frozen shut. According to Lifehacker, car doors can freeze because water from rain or snow gets into the rubber seal, or gasket, around the door and then freezes when the temperatures drop. Fortunately, using nothing but ordinary household cooking spray, there may be a simple trick to get out of that situation. 

Apply the spray to the door’s rubber seal weekly during the coldest winter months, or as needed before expected icy, frigid storms.

Fraud takes many shapes and forms, among them corporate fraud, consumer fraud, tax fraud, identity theft, and many others. According to ACFE (Association of Certified Fraud Examiners), organizations worldwide lose an estimated 5 percent of their annual revenues to fraud, costing the world $3.7 trillion each year.

International Fraud Awareness Week is a global movement to minimize the impact of fraud through awareness and education. ​

It's no secret that many companies rely heavily on consumer-generated data to inform many activities, from product development and strategic planning to targeted marketing campaigns. When the information is used effectively, however, it is the consumer who may ultimately benefit, as it can enable companies to enhance the customer experience and provide innovative products and services. But how willing are consumers to provide their information, and what concerns do they have about sharing and protecting it? 

Businesses frequently enter into contracts with suppliers, vendors, independent contractors, landlord/tenants, and other service providers.  

In those contracts it is common to find language which transfers the liability of one party to the other in the event that bodily injury, property damage (tangible and intangible) and other liabilities arise out of the contractual relationship. The liability may involve both insurable and non-insurable liabilities upon the contracting parties.

The contracting parties, and their supporting legal and risk advisors should review in detail the contractual language and what liabilities may be assumed due to the contract. 

Contractual Risk Transfer is one of the five traditional risk management techniques within a business. 

Happy National UV Month! July is a month dedicated to educating yourself and protecting your skin from damage that can occur from the sun.

UV rays come in three forms: UVA, UVB, and UVC. These rays can have different effects on the skin. UVC rays never come through the atmosphere and do not come in the form of sunlight. However, UVA and UVB rays have been known to cause damage to skin cells which can result in sunburn and wrinkles or as much as skin cancer. No UV rays are safe to the skin without protection!

While overall workplace injuries have been falling in the last decade, the numbers of deadly and catastrophic injuries are actually on the rise.

A new report recommends that employers focus their injury prevention efforts on reviewing accidents that could have resulted in serious injury or death, as well as on near misses, where a potentially serious accident was narrowly avoided.   

Farming doesn’t stop in the winter, there are animals to be fed, crops to be handled, machines to be repaired and so much more.

Here are some reminders for workers who are out bracing the cold everyday. Stay warm & safe everyone!