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There's a LOT to know about insurance. So, whether you've got a specific question or just want the 411 on what we do, click around on the articles below.

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Health + Wellness, Personal Lines Megan Henderson Health + Wellness, Personal Lines Megan Henderson

Staying Healthy and Safe During Wildfires

In many parts of the United States, the risk of wildfires begins early spring and continues into the fall. Being prepared for fire activity is crucial if you live in a wildfire-prone area. Wildfires can be a serious threat to lives and property—and smoke pollution can affect your health. According to the Environmental Protection Agency (EPA), wildfire smoke mostly consists of fine inhalable particles known as PM2.5, which is of greatest concern to public health.

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Employee Benefits Megan Henderson Employee Benefits Megan Henderson

Supporting Employees During Wildfire Season

Wildfire season is getting worse, starting earlier and lasting longer. Wildfires are a part of nature’s ecosystem, but when extreme, they can be devastating to people, biodiversity and ecosystems, according to the United Nations Environment Programme. Notably, wildfires can directly impact the health and safety of millions. And, while U.S. wildfires are most common in western states, all regions should prepare for such threats, as wildfires’ impact extends beyond the immediate threat to individuals and communities.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Yeti Recalls Nearly 2 Million Coolers and Cases for Magnet Ingestion Hazard

On March 9, the U.S. Consumer Product Safety Commission (CPSC) announced a recall for 1.9 million Yeti coolers and gear cases after reports of magnets coming detached, which can pose a risk of serious injury or death. The specific products recalled are the Sidekick dry gear case, Hopper M20 soft backpack cooler and Hopper M30 soft cooler (versions 1.0 and 2.0)—all available in various colors.

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Risk Management, Workplace Safety Megan Henderson Risk Management, Workplace Safety Megan Henderson

Construction Risk Advisor | December 2022

Severe weather conditions can be detrimental to job sites, placing additional strain on construction employers. While there’s no way to completely safeguard worksites from the elements, there are measures that can be taken to reduce the risks posed by extreme weather events. Such weather can come in many forms, each of which require their own preparations in order to protect job sites.

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Risk Management Megan Henderson Risk Management Megan Henderson

Construction Risk Advisor | November 2022

Carbon monoxide (CO) is a poisonous gas that lacks a detectable color, taste or odor. Breathing in this invisible gas can displace the oxygen in a person’s blood, as well as deprive their vital organs of oxygen. In large amounts, CO can affect an exposed individual within minutes, ultimately causing them to lose consciousness and suffocate.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Home Insurance Claim Frequency Down in 2021, but Severity Up

Home insurance loss costs and frequency across all perils fell in 2021 from the year prior, but severity increased by 7%, according to the 2022 LexisNexis U.S. Home Trends Report. LexisNexis noted that insurance professionals should not be deceived by the one-year dip. The report, which analyzes data spanning seven years, shows a steady increase over time.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Low Flood Insurance Take-up Rates in Path of Hurricane Ian

Just 19% of households in the Florida communities hardest hit by Hurricane Ian had flood insurance policies through the National Flood Insurance Program (NFIP), according to federal data. The Category 4 hurricane made landfall on Florida’s Gulf coast on Sept. 28, with wind speeds of up to 155 mph and a storm surge of at least 12 feet.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Understanding FEMA Aid Following Hurricane Ian

In the aftermath of Hurricane Ian, the Federal Emergency Management Agency (FEMA) is working to help residents and families throughout much of Florida, North Carolina and South Carolina recover from the storm. Government officials have allocated over $190 million in federal disaster assistance to help the more than 127,000 households damaged by Hurricane Ian.

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Risk Management, Workplace Safety Megan Henderson Risk Management, Workplace Safety Megan Henderson

OSHA Announces Preliminary Top 10 Violations for Fiscal Year 2022

OSHA announced its preliminary list of the top 10 most frequently cited workplace safety standards for fiscal year 2022. Since OSHA’s fiscal year doesn’t end until Sept. 30—and this list was published prior to this date—the final results won’t be announced until the beginning of 2023. However, this preliminary list indicates the most violated safety standards for fiscal year 2022.

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Risk Management Megan Henderson Risk Management Megan Henderson

Understanding How Habits Work to Influence Safety

As an employer, safety is your responsibility, and it’s important to identify workplace hazards and instill safe employee habits to ensure corrections remain permanent. One way to accomplish this is through behavioral observation, as it can help identify unsafe acts and conditions within a workplace, giving employers insight into potentially dangerous work habits.

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Personal Lines, Risk Management Megan Henderson Personal Lines, Risk Management Megan Henderson

Preparing for Hurricane Ian as Storm Approaches Landfall

As Hurricane Ian approaches the western coast of Florida, forecasts warn of a potentially life-threatening storm surge, destructive winds, heavy rain, flooding and possible tornadoes. Weather experts expect Ian to make landfall between Tampa Bay and Cape Coral late Wednesday, Sept. 28, into the early morning hours of Thursday, Sept. 29.

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