As the economy hums along, we are sharing the roads with more trucks than ever before.

Unfortunately, many people do not exercise the extreme caution required when driving around 18-wheelers, container trucks and buses. And if there is an accident, due to their sheer size and weight, they can crush a passenger vehicle, seriously injuring or killing the occupants. 
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While the Trump administration has eased off a number of regulations and enforcement actions during the past two years, Fed-OSHA continues focusing on the safety of temporary workers as much as it did under the Obama presidency.

This puts the onus not only on the agencies that provide the temp workers, but also on the companies that contract with them for the workers.
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What happens if your business suffers property damage or a supply chain disruption and is forced to stop operations either fully or partially? Will your insurance cover the work stoppage or slowdown?  

It’s important to understand how your insurance can protect you from the resulting financial loss. In addition to potential recovery for property damage from your property/casualty policy, you may be able to recover lost revenue from your business interruption coverage. If your operations are disrupted - completely or partially - the language of your policy will determine if, and for how long, your insurance company will cover the loss.
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One of the biggest mistakes people make in planning their health and life coverage is assuming they'll never need long-term care services, or that if they do need these services, they will pay for them with their savings. 

And many people shy away from long-term care insurance because they worry about premium hikes or the fact that if they don't use the coverage, they never benefit from their premium payments. But now there is a policy that melds long-term care insurance with life insurance.
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A new year brings new issues for HR professionals to contend with. Some challenges are similar to previous years (overtime uncertainty), while others are more unique and complicated (legal marijuana and employment). Despite inherent difficulties, staying tuned in to these six trends can keep you ahead of the game in 2019. Ignoring them will only put you behind.
 
Below are the top trends to monitor in the coming months.

When a workplace injury occurs, it’s important to respond quickly by conducting an incident investigation. Quick and planned actions demonstrate your commitment to workplace safety and prevention of future incidents.
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Every incident needs to be investigated. This process helps employers look beyond what happened and discover why it happened. If you have prepared an incident investigation plan, you can be confident that you’re taking the appropriate steps to investigate and address the causes in an effort prevent similar incidents from happening again.

Old man winter sure has us in his grip! With record-breaking temperatures and wind chills, many people turn to portable heaters to add some extra warmth. If you are using – or plan to use- a portable heater, be sure to follow the manufacturer’s instructions and never leave it unattended. The extra heat feels nice, but these devices can create an electric shock hazard, burns to users, carbon monoxide poisoning, fires, or possibly even explosions.

While life insurance may seem confusing and is not a topic people want to address, it is important to have life insurance and to pick the right type of policy. There are different options, and the right option for one person may not necessarily be the right option for another person. Each one has advantages and disadvantages. 
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As the number of data breaches involving smaller businesses continues to grow, a survey by The Hartford finds 85% of small business owners said a potential breach of their own data was unlikely, and many are not implementing simple security measures to help protect their customer or employee data.
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Most goods in the U.S. are delivered by long-haul truck drivers. Businesses don’t often think about the unhealthy side effects that come with the truck-driving profession, and that can spell trouble for the drivers and for business profitability.