Owners and managers of commercial property have an obligation to maintain safe conditions for employees and occupants. During the winter season, walkways, stairs, driveways, interior roadways and parking lots become slip and trip hazards as snow falls and ice forms. This is not only a safety hazard, it can also be an expensive legal issue for property owners, if an accident occurs.
The OSHA standard for blood-borne pathogens requires that any employee exposed to blood, or other potentially infectious materials (OPIM), follow proper safety precautions when working with needles and other possible contaminated sharps as part of their job duty.
The winter months are notorious for bringing sickness. Flu season begins in October and ramps up into January. Colds are also more common during the winter months. Read on for tips on keeping yourself and your family healthy this winter.
According to the International Risk Management Institute (IRMI), Action Over is a legal action involving an injured employee, when after collecting workers compensation benefits from the employer, decides (most often at the guiding hand of counsel) to pursue a third party for allegedly contributing to the employee’s injury.
Replacement or reconstruction cost is a type of insurance that covers the cost to replace or repair a building with materials of the same or comparable quality. For the purposes of coverage—and unlike market value—replacement cost policies do not include the value of any land and is determined based on the amount needed to hire contractors and purchase materials to repair a building or construct a replacement.
Environmental, social and governance (ESG) factors are often considered by socially conscious investors when evaluating companies on sustainability and social conscientiousness. While ESG metrics can be hard to measure, the risks surrounding them are increasing. As consumer, investor and shareholder action is increasingly focused on ESG, companies and their directors and officers (D&Os) must proactively address climate change, working conditions, cybersecurity and diversity. Failure to do so poses a significant D&O risk for companies and their insurers.
You already know that your General Liability policy excludes ‘intangible’ property. That is why you had to buy a cyber liability policy. That policy may not have covered all of the ‘gaps’ in coverage possible by Exclusion P – Electronic Data that is included in the General Liability coverage form.
Attractive nuisances are man-made conditions on your property, vacant site or active site after-hours that draw trespassers. If children trespass on site due to these conditions, the general contractor on the site can be held liable for any injuries they sustain.
The Occupational Safety and Health Administration (OSHA) stated that most road related fatalities occur on highways where there are seat belt requirements and traffic laws, between the hours of 7 a.m. and 4 p.m. Additionally, the U.S. Department of Transportation National Highway Traffic Safety Administration (NHTSA) 2020 annual traffic crash data reported over 38,000 fatalities related to U.S. traffic crashes. This creates a serious conundrum for insured and insurers alike.
Properly trained personnel are essential for well control activities. Well control consists of two basic components: an active component of monitoring the pressure of the drilling fluid, and blowout preventers as a passive component.
