INSURICA Risk Insights

Keeping you ahead of the risks and challenges unique to your industry.

Summer 2023

Floating blue oil arrow on calm water, serving as a barrier to spilled oil. The concept of pollution.

Claims Made Versus Occurrence

You are a contractor working on a job site on an ordinary day. Suddenly, without warning, there is an accident and spillage of chemicals. It heads down the hillside for a pond or storm drain. Speedy action by you and other contractors on the job site contains it. Proper calls are made to the right governmental agencies.

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professional female computer engineer using data code fixing customer website and through online remote system monitoring.

Employer OSHA Liabilities for Remote Workers

Encouraging remote work has become a new normal for a variety of reasons. Whether it is to reduce costs of operating a physical place of business, address pandemic reasons or allow employees to have a better work-life balance, more and more workers are working from home. However, many organizations are not aware of how the Occupational Safety and Health Administration (OSHA) oversees injuries that occur at an employee’s home. OSHA has provided guidance on how to deal with remote workers, injuries and inspections.

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Industrial Engineering works in front of monitors, stressing the importance of a positive cybersecurity culture.

Creating a Cybersecurity Culture

Employees are an organization’s first line of defense against cybercriminals. For this reason, they are also commonly targeted. In fact, the vast majority (88%) of data breaches are caused by employee mistakes, according to Stanford University. Unfortunately for organizations, a single mistake can result in costly losses, reputational damage and lost or stolen data.

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Did You Know?

As a full-service insurance agency, we are committed to delivering tailored solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions that result in sustained client satisfaction.

We provide solutions for:

Businesses | Employee Benefits | Personal Insurance

Our customers have unparalleled access to unique coverage and risk management programs — all delivered through a local agent relationship.

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