safety and health

(A Certified Safety Committee pays for itself in year #1) Did you know that Safety Performance and Worker Injuries can end up costing your business opportunities? Do you know what your Experience Mod Factor and Loss Ratios are? Workers Comp rates factor into your cost of business so it raises your overhead, which may make your Sell Price higher than the competition Some clients will only work with vendors that have safety risks under control and pro-active safety programs in place. Here’s one example: Until four years ago, OSHA had not raised their penalty amounts since 1990. Now, with the Inflation Adjustment Act, OSHA isRead More →

With the winter weather comes a higher number of roadway accidents. Not only do you want to be careful on the roads, but you also want to make sure your car is safe for the trips through the seasons. It doesn’t matter if it’s five minutes away or a few hours away, keeping your car safe is a priority. You don’t have to be a car mechanic to know some of the obvious parts of the car. For one, you’ll want to figure out what type of wheel drive your automobile is, which could be front-wheel, rear-wheel, or all-wheel drive. Mix that together with whatRead More →

In the past we have shared with you why workplace safety is important. If you haven’t had a chance to check out that blog, please do so. With that in mind, have you taken care of making sure you have a safety plan in place in case of an emergency? If not, the New Year is a great time to take care of this task. If you are unsure of what you should include in your safety plan, here at Advocate Insurance, we have a member of our staff who can sit down with you and work through your safety plan. Give us a callRead More →

After the holiday rush and the festive decorations are torn down, you have to focus back on the end of the year objectives and that includes your IRS filings. Whether you decide to file them and send them in physically or digitally is up to you, but you should also be prepared and safe this tax season. When it comes to physical filing, there are fewer opportunities for the returns to end up in someone else’s hands, but with online fraud becoming a more well-known crime, there may be the situation where someone has used your own information already to receive the returns. The IRSRead More →

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Our homes may be the largest investments in our lifetime. Along with that investment should come the peace of mind that if anything ever damaged your home it would be covered and you would not have to worry. That is why we all have homeowners insurance! Whether it’s your first home or the fifth time you’re moving, you do not want to worry about whether something could happen to the place we spend most of our life. Not only are we usually required to have homeowners insurance homeowners insurance also provides many benefits if disaster should strike. Luckily enough, homeowners insurance does not only coverRead More →

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Auto insurance may feel like a hassle at times. The monthly or yearly payments may seem like they’re a ticking time bomb in your account, until they come in handy. Unfortunately, accidents and roadway collisions may occur whether we are careful or not. That is why you can’t ignore auto insurance, but you can try some tips to save you a few extra dollars! First, you want to look at the car you drive. Whether it be a beater you run around in or a sweet Mustang you want to show around town, your choice of car will ultimately affect your premiums. An easy andRead More →

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Ensuring your employees’ workplace safety is key for the health of your business. It is not something that you should neglect, and if you are in an industry that has high risk for employee injuries if not trained properly, you need to worry about that. Well trained employees know how to use their equipment properly without risking their own safety or the safety of anyone around them. With these thoughts in mind, having a workplace safety course set up that each of your employees must go through is important. Also, safety training ensures an employee knows how to use their machinery properly before they useRead More →

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It is important to be prepared in the event of a disaster. No matter the size or type of disaster, it is vital to make sure there is a plan in place for your business. Below are a few things you can do today to prepare your business for a disaster. First and foremost, purchase commercial insurance to protect your business. Take a look at our previous blog on what type of insurance you should have for your business. Have first aid kits and safety equipment on site. Take a day to train your employees so they know how to use them. Having your staffRead More →

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So, you own a business or are thinking about starting a business and you are wondering what commercial insurance do I really need? We wanted to help you determine what commercial insurance you need by providing you with some important information on each. Let’s discuss… General Liability Insurance – This type of insurance is important, no matter what type of business you own. It will protect you if your product or services cause any bodily injury or property damage to a third party. Property Insurance – Do you own your building that your business is in? Or do you rent a location and have equipment,Read More →

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Workplace Safety is essential to implement in your office. No matter what type of industry your business is in, it is still very important to have a workplace safety policy and guidelines. Here are a few guidelines your employees should already know; if not, contact Advocate Insurance to discuss what workplace safety guidelines you need. Guideline 1 – Know Your Surroundings This holds true for every employee. They need to know what is in their surroundings and what may end up being a potentially hazardous situation. Guideline 2 – Take Your Breaks While employers in Pennsylvania are not required to give their employees breaks, itRead More →