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them.
MEET THE TEAM
Gilbert's is comprised of high-energy, dedicated individuals that maintain the highest standards of honesty, integrity & ethical conduct. Meet our staff! WORKPLACE SAFETY HORROR STORIES Death by Mortar Mixer. A young worker cleaning a mortar mixer at the end of the day caught his arm in a running machine, because he removed the guard. The first worker on the scene could not shut off the mixer. The man was well into the machine when a second worker finally shut it off. Even though emergency response came in minutes, the man died. DELIVERING AN EFFECTIVE YEAR END PERFORMANCE REVIEW Look at the Big Picture. When an employee is involved in a recent negative or positive event, it can cloud your judgment during a review. Remember to look at their entire performance throughout the year. One mistake or win does not define their overall performance. Track completed work and missed deadlines and discuss the events withthe employee.
OCCUPATIONAL ACCIDENT INSURANCE VS WORKERS’ COMPENSATION Occupational Accident Insurance. Occupational accident coverage does provide a degree of coverage for accidents or injuries while a person works. It is optional coverage and typically costs about 50% less than workers’ comp coverage. It may suit companies that do not need all of the benefits that a comprehensive workers’ comp policy provides. WORKERS' COMP AND "OFF THE CLOCK" EMPLOYEES Jan 04 Workers’ Comp and “Off The Clock” Employees – What You Need To Know. Workers’ compensation insurance usually covers employees when they’re injured in the workplace performing within the scope of their employment. Naturally you might also assume coverage ends when employees are “off the clock.”. However, thingsaren’t
IDENTIFYING THE SIGNS OF FATIGUE (AND WHAT YOU CAN DO Therefore, businesses need to include fatigue in their risk management plan so they can spot the signs of fatigue before an incident occurs. Here are some of the most common signs of fatigue: Reduced productivity. Reduced work quality. Short-term memory loss. Struggles to solve problems. Makes errors in judgment. Can’t focus. THE IMPORTANCE OF HAVING AN INTERNAL HEALTH AND SAFETY OFFICER Mar 22 The Importance of Having an Internal Health and Safety Officer. Employers covered by the OSH Act must provide employees with “jobs and a place of employment free from recognized hazards causing, or are likely to cause, death or serious physical harm.”. This includes compliance with OSHA statutes, standards, regulations, and others. REDUCE DISTRACTIONS TO INCREASE WORKPLACE SAFETYSEE MORE ON GILBERTSRISKSOLUTIONS.COM SUBCONTRACTOR EXCLUSIONS SHARON, PA INSURANCE AGENCY Solutions That Go Beyond Insurance. RISK SHIELD® Process is specifically designed to increase profits and productivity while decreasing long-term cost of insurance. During our strategic four step process, we’ll work with your team to help you identify the unique risks your business faces, then develop the strategies to overcomethem.
MEET THE TEAM
Gilbert's is comprised of high-energy, dedicated individuals that maintain the highest standards of honesty, integrity & ethical conduct. Meet our staff! WORKPLACE SAFETY HORROR STORIES Death by Mortar Mixer. A young worker cleaning a mortar mixer at the end of the day caught his arm in a running machine, because he removed the guard. The first worker on the scene could not shut off the mixer. The man was well into the machine when a second worker finally shut it off. Even though emergency response came in minutes, the man died. DELIVERING AN EFFECTIVE YEAR END PERFORMANCE REVIEW Look at the Big Picture. When an employee is involved in a recent negative or positive event, it can cloud your judgment during a review. Remember to look at their entire performance throughout the year. One mistake or win does not define their overall performance. Track completed work and missed deadlines and discuss the events withthe employee.
OCCUPATIONAL ACCIDENT INSURANCE VS WORKERS’ COMPENSATION Occupational Accident Insurance. Occupational accident coverage does provide a degree of coverage for accidents or injuries while a person works. It is optional coverage and typically costs about 50% less than workers’ comp coverage. It may suit companies that do not need all of the benefits that a comprehensive workers’ comp policy provides. WORKERS' COMP AND "OFF THE CLOCK" EMPLOYEES Jan 04 Workers’ Comp and “Off The Clock” Employees – What You Need To Know. Workers’ compensation insurance usually covers employees when they’re injured in the workplace performing within the scope of their employment. Naturally you might also assume coverage ends when employees are “off the clock.”. However, thingsaren’t
IDENTIFYING THE SIGNS OF FATIGUE (AND WHAT YOU CAN DO Therefore, businesses need to include fatigue in their risk management plan so they can spot the signs of fatigue before an incident occurs. Here are some of the most common signs of fatigue: Reduced productivity. Reduced work quality. Short-term memory loss. Struggles to solve problems. Makes errors in judgment. Can’t focus. THE IMPORTANCE OF HAVING AN INTERNAL HEALTH AND SAFETY OFFICER Mar 22 The Importance of Having an Internal Health and Safety Officer. Employers covered by the OSH Act must provide employees with “jobs and a place of employment free from recognized hazards causing, or are likely to cause, death or serious physical harm.”. This includes compliance with OSHA statutes, standards, regulations, and others. REDUCE DISTRACTIONS TO INCREASE WORKPLACE SAFETYSEE MORE ON GILBERTSRISKSOLUTIONS.COM SUBCONTRACTOR EXCLUSIONS PERSONAL AUTO COVERAGE Call our office to speak with one of our Personal Risk Advisors who can help add coverage to your summer "toys." Learn about our Coverageof the Month!
WORKERS' COMP AND "OFF THE CLOCK" EMPLOYEES Jan 04 Workers’ Comp and “Off The Clock” Employees – What You Need To Know. Workers’ compensation insurance usually covers employees when they’re injured in the workplace performing within the scope of their employment. Naturally you might also assume coverage ends when employees are “off the clock.”. However, thingsaren’t
RISK MANAGEMENT PLAN COMPONENTS: WHAT SHOULD IT INCLUDE A risk management plan refers to a written document that encompasses the process an organization has set to combat any potential risks or hazards. To begin with, the process starts by formulating a team of stakeholders who then review potential risks that can strike an organization. The team comprises senior-most management and thecompliance
THE DANGERS OF STRESS IN THE WORKPLACE However, many other problems result from stress in the workplace. Stress affects performance and productivity and can increase employee turnover. It lowers employee morale and increases employee complaints. It is also a factor in 60 – 80% of accidents, incident reports, and insurance claims. A 2016 study from Harvard Health found that 62% of CREATING A SEXUAL HARASSMENT TRAINING PROGRAM THAT WORKS The Equal Employment Opportunity Commission received 6,758 sexual harassment claims in 2016 with monetary settlement benefits of $40.7 million. The highest reported sexual harassment lawsuit awarded $168 million to the plaintiff, but countless others never make it into the news. Many people settle their claims outside of the EEOC and courts. THE IMPORTANCE OF A RETURN TO WORK PROGRAM A Return to Work program offers a proactive method to contain costs and reduce the impact of injuries on your business. It also gets your experienced employees back on the job quickly, instead of hiring and retraining. It improves employee loyalty and makes workers feel like they are an important part of your organization. CREATING AN EFFECTIVE WORKPLACE SAFETY MANUAL First, it can help prevent workplace injuries and illnesses and reduce claims and insurance costs. Second, a well-crafted manual improves legal and regulatory compliance. Third, it engages workers and improves productivity, which benefits business operations and your bottom line. Here’s what you should consider when creating a safetymanual
CELL PHONE DISTRACTIONS AT WORK Distracted Driving. When an operator uses a cellphone while driving a forklift, company vehicle, or other equipment, they’re distracted. They’re focused on the call, text message, or even their game, instead of their work. It reduces their spatial awareness and ability to detect hazards and can lead to accidents, injuries, and propertydamage.
HOW TO FIND THE RIGHT WORKERS' COMP THIRD PARTY ADMINISTRATOR Aug 31 How To Find The Right Workers’ Comp Third Party Administrator. Choosing a workers’ compensation third party administrator is an important decision. It is complex work, but a good administrator can promote efficiency and streamline workers’ compensation costs. A poor one can bog down the process, gobble up time unnecessarily, and SUBCONTRACTOR EXCLUSIONS A recent trend in general liability insurance policies adds an endorsement, which excludes coverage for subcontractor acts. The reason for adding this endorsement is it reduces carrier costs. What Problems Can This Cause? When a policy excludes coverage for subcontractors, a lawsuit can affect the general contractor, who’s typically always involved in a lawsuit when something goes amiss. SHARON, PA INSURANCE AGENCY Solutions That Go Beyond Insurance. RISK SHIELD® Process is specifically designed to increase profits and productivity while decreasing long-term cost of insurance. During our strategic four step process, we’ll work with your team to help you identify the unique risks your business faces, then develop the strategies to overcomethem.
MEET THE TEAM
Gilbert's is comprised of high-energy, dedicated individuals that maintain the highest standards of honesty, integrity & ethical conduct. Meet our staff! WORKPLACE SAFETY HORROR STORIES Death by Mortar Mixer. A young worker cleaning a mortar mixer at the end of the day caught his arm in a running machine, because he removed the guard. The first worker on the scene could not shut off the mixer. The man was well into the machine when a second worker finally shut it off. Even though emergency response came in minutes, the man died. CREATING A SEXUAL HARASSMENT TRAINING PROGRAM THAT WORKS The Equal Employment Opportunity Commission received 6,758 sexual harassment claims in 2016 with monetary settlement benefits of $40.7 million. The highest reported sexual harassment lawsuit awarded $168 million to the plaintiff, but countless others never make it into the news. Many people settle their claims outside of the EEOC and courts. RISK MANAGEMENT PLAN COMPONENTS: WHAT SHOULD IT INCLUDE A risk management plan refers to a written document that encompasses the process an organization has set to combat any potential risks or hazards. To begin with, the process starts by formulating a team of stakeholders who then review potential risks that can strike an organization. The team comprises senior-most management and thecompliance
THE DANGERS OF STRESS IN THE WORKPLACE However, many other problems result from stress in the workplace. Stress affects performance and productivity and can increase employee turnover. It lowers employee morale and increases employee complaints. It is also a factor in 60 – 80% of accidents, incident reports, and insurance claims. A 2016 study from Harvard Health found that 62% of REDUCE DISTRACTIONS TO INCREASE WORKPLACE SAFETYSEE MORE ON GILBERTSRISKSOLUTIONS.COM DELIVERING AN EFFECTIVE YEAR END PERFORMANCE REVIEW Look at the Big Picture. When an employee is involved in a recent negative or positive event, it can cloud your judgment during a review. Remember to look at their entire performance throughout the year. One mistake or win does not define their overall performance. Track completed work and missed deadlines and discuss the events withthe employee.
SUBCONTRACTOR EXCLUSIONS THE IMPORTANCE OF HAVING AN INTERNAL HEALTH AND SAFETY OFFICER Mar 22 The Importance of Having an Internal Health and Safety Officer. Employers covered by the OSH Act must provide employees with “jobs and a place of employment free from recognized hazards causing, or are likely to cause, death or serious physical harm.”. This includes compliance with OSHA statutes, standards, regulations, and others. SHARON, PA INSURANCE AGENCY Solutions That Go Beyond Insurance. RISK SHIELD® Process is specifically designed to increase profits and productivity while decreasing long-term cost of insurance. During our strategic four step process, we’ll work with your team to help you identify the unique risks your business faces, then develop the strategies to overcomethem.
MEET THE TEAM
Gilbert's is comprised of high-energy, dedicated individuals that maintain the highest standards of honesty, integrity & ethical conduct. Meet our staff! WORKPLACE SAFETY HORROR STORIES Death by Mortar Mixer. A young worker cleaning a mortar mixer at the end of the day caught his arm in a running machine, because he removed the guard. The first worker on the scene could not shut off the mixer. The man was well into the machine when a second worker finally shut it off. Even though emergency response came in minutes, the man died. CREATING A SEXUAL HARASSMENT TRAINING PROGRAM THAT WORKS The Equal Employment Opportunity Commission received 6,758 sexual harassment claims in 2016 with monetary settlement benefits of $40.7 million. The highest reported sexual harassment lawsuit awarded $168 million to the plaintiff, but countless others never make it into the news. Many people settle their claims outside of the EEOC and courts. RISK MANAGEMENT PLAN COMPONENTS: WHAT SHOULD IT INCLUDE A risk management plan refers to a written document that encompasses the process an organization has set to combat any potential risks or hazards. To begin with, the process starts by formulating a team of stakeholders who then review potential risks that can strike an organization. The team comprises senior-most management and thecompliance
THE DANGERS OF STRESS IN THE WORKPLACE However, many other problems result from stress in the workplace. Stress affects performance and productivity and can increase employee turnover. It lowers employee morale and increases employee complaints. It is also a factor in 60 – 80% of accidents, incident reports, and insurance claims. A 2016 study from Harvard Health found that 62% of REDUCE DISTRACTIONS TO INCREASE WORKPLACE SAFETYSEE MORE ON GILBERTSRISKSOLUTIONS.COM DELIVERING AN EFFECTIVE YEAR END PERFORMANCE REVIEW Look at the Big Picture. When an employee is involved in a recent negative or positive event, it can cloud your judgment during a review. Remember to look at their entire performance throughout the year. One mistake or win does not define their overall performance. Track completed work and missed deadlines and discuss the events withthe employee.
SUBCONTRACTOR EXCLUSIONS THE IMPORTANCE OF HAVING AN INTERNAL HEALTH AND SAFETY OFFICER Mar 22 The Importance of Having an Internal Health and Safety Officer. Employers covered by the OSH Act must provide employees with “jobs and a place of employment free from recognized hazards causing, or are likely to cause, death or serious physical harm.”. This includes compliance with OSHA statutes, standards, regulations, and others. WORKERS' COMP AND "OFF THE CLOCK" EMPLOYEES Jan 04 Workers’ Comp and “Off The Clock” Employees – What You Need To Know. Workers’ compensation insurance usually covers employees when they’re injured in the workplace performing within the scope of their employment. Naturally you might also assume coverage ends when employees are “off the clock.”. However, thingsaren’t
COVERAGE OF THE MONTH: SERVICE LINE COVERAGE Service Line Coverage is an optional insurance that protects homeowners in the event that an underground utility or service line becomes damaged or needs repaired. Homeowners are responsible for the costs of repairing these lines in the case that one becomes damaged, if not insured. Unfortunately, most homeowners insurances do not coverthis
THE IMPORTANCE OF A RETURN TO WORK PROGRAM A Return to Work program offers a proactive method to contain costs and reduce the impact of injuries on your business. It also gets your experienced employees back on the job quickly, instead of hiring and retraining. It improves employee loyalty and makes workers feel like they are an important part of your organization. CREATING AN EFFECTIVE WORKPLACE SAFETY MANUAL First, it can help prevent workplace injuries and illnesses and reduce claims and insurance costs. Second, a well-crafted manual improves legal and regulatory compliance. Third, it engages workers and improves productivity, which benefits business operations and your bottom line. Here’s what you should consider when creating a safetymanual
DELIVERING AN EFFECTIVE YEAR END PERFORMANCE REVIEW Look at the Big Picture. When an employee is involved in a recent negative or positive event, it can cloud your judgment during a review. Remember to look at their entire performance throughout the year. One mistake or win does not define their overall performance. Track completed work and missed deadlines and discuss the events withthe employee.
IDENTIFYING THE SIGNS OF FATIGUE (AND WHAT YOU CAN DO Therefore, businesses need to include fatigue in their risk management plan so they can spot the signs of fatigue before an incident occurs. Here are some of the most common signs of fatigue: Reduced productivity. Reduced work quality. Short-term memory loss. Struggles to solve problems. Makes errors in judgment. Can’t focus. CELL PHONE DISTRACTIONS AT WORK Distracted Driving. When an operator uses a cellphone while driving a forklift, company vehicle, or other equipment, they’re distracted. They’re focused on the call, text message, or even their game, instead of their work. It reduces their spatial awareness and ability to detect hazards and can lead to accidents, injuries, and propertydamage.
THE IMPORTANCE OF HAVING AN INTERNAL HEALTH AND SAFETY OFFICER Mar 22 The Importance of Having an Internal Health and Safety Officer. Employers covered by the OSH Act must provide employees with “jobs and a place of employment free from recognized hazards causing, or are likely to cause, death or serious physical harm.”. This includes compliance with OSHA statutes, standards, regulations, and others. HOW TO FIND THE RIGHT WORKERS' COMP THIRD PARTY ADMINISTRATOR Aug 31 How To Find The Right Workers’ Comp Third Party Administrator. Choosing a workers’ compensation third party administrator is an important decision. It is complex work, but a good administrator can promote efficiency and streamline workers’ compensation costs. A poor one can bog down the process, gobble up time unnecessarily, and WORKPLACE SAFETY DOESN'T TAKE A HOLIDAY Keep Food Safe. The holiday season often means food in the workplace. Keeping food safe involves following safe food-handling guidelines such as hand washing and serving prepared food on clean dishes rather than those used to prepare it. Keep hot food hot and cold food cold. The USDA recommends keeping hot food at 140° F or warmer. SHARON, PA INSURANCE AGENCY Solutions That Go Beyond Insurance. RISK SHIELD® Process is specifically designed to increase profits and productivity while decreasing long-term cost of insurance. During our strategic four step process, we’ll work with your team to help you identify the unique risks your business faces, then develop the strategies to overcomethem.
MEET THE TEAM
Gilbert's is comprised of high-energy, dedicated individuals that maintain the highest standards of honesty, integrity & ethical conduct. Meet our staff! CREATING A SEXUAL HARASSMENT TRAINING PROGRAM THAT WORKS The Equal Employment Opportunity Commission received 6,758 sexual harassment claims in 2016 with monetary settlement benefits of $40.7 million. The highest reported sexual harassment lawsuit awarded $168 million to the plaintiff, but countless others never make it into the news. Many people settle their claims outside of the EEOC and courts. WORKERS' COMP AND "OFF THE CLOCK" EMPLOYEES Jan 04 Workers’ Comp and “Off The Clock” Employees – What You Need To Know. Workers’ compensation insurance usually covers employees when they’re injured in the workplace performing within the scope of their employment. Naturally you might also assume coverage ends when employees are “off the clock.”. However, thingsaren’t
THE IMPORTANCE OF A RETURN TO WORK PROGRAM IDENTIFYING THE SIGNS OF FATIGUE (AND WHAT YOU CAN DO Therefore, businesses need to include fatigue in their risk management plan so they can spot the signs of fatigue before an incident occurs. Here are some of the most common signs of fatigue: Reduced productivity. Reduced work quality. Short-term memory loss. Struggles to solve problems. Makes errors in judgment. Can’t focus. REDUCE DISTRACTIONS TO INCREASE WORKPLACE SAFETYSEE MORE ON GILBERTSRISKSOLUTIONS.COM DELIVERING AN EFFECTIVE YEAR END PERFORMANCE REVIEW Look at the Big Picture. When an employee is involved in a recent negative or positive event, it can cloud your judgment during a review. Remember to look at their entire performance throughout the year. One mistake or win does not define their overall performance. Track completed work and missed deadlines and discuss the events withthe employee.
THE IMPORTANCE OF HAVING AN INTERNAL HEALTH AND SAFETY OFFICERIMPORTANCE OF POLICE OFFICER SAFETYPOLICE OFFICER SAFETY POWERPOINTPOLICE SAFETY TOPICSLAW ENFORCEMENT SAFETY TOPICSOFFICER SAFETY LAWPOLICE OFFICER SAFETY TIPS Mar 22 The Importance of Having an Internal Health and Safety Officer. Employers covered by the OSH Act must provide employees with “jobs and a place of employment free from recognized hazards causing, or are likely to cause, death or serious physical harm.”. This includes compliance with OSHA statutes, standards, regulations, and others. SUBCONTRACTOR EXCLUSIONS SHARON, PA INSURANCE AGENCY Solutions That Go Beyond Insurance. RISK SHIELD® Process is specifically designed to increase profits and productivity while decreasing long-term cost of insurance. During our strategic four step process, we’ll work with your team to help you identify the unique risks your business faces, then develop the strategies to overcomethem.
MEET THE TEAM
Gilbert's is comprised of high-energy, dedicated individuals that maintain the highest standards of honesty, integrity & ethical conduct. Meet our staff! CREATING A SEXUAL HARASSMENT TRAINING PROGRAM THAT WORKS The Equal Employment Opportunity Commission received 6,758 sexual harassment claims in 2016 with monetary settlement benefits of $40.7 million. The highest reported sexual harassment lawsuit awarded $168 million to the plaintiff, but countless others never make it into the news. Many people settle their claims outside of the EEOC and courts. WORKERS' COMP AND "OFF THE CLOCK" EMPLOYEES Jan 04 Workers’ Comp and “Off The Clock” Employees – What You Need To Know. Workers’ compensation insurance usually covers employees when they’re injured in the workplace performing within the scope of their employment. Naturally you might also assume coverage ends when employees are “off the clock.”. However, thingsaren’t
THE IMPORTANCE OF A RETURN TO WORK PROGRAM IDENTIFYING THE SIGNS OF FATIGUE (AND WHAT YOU CAN DO Therefore, businesses need to include fatigue in their risk management plan so they can spot the signs of fatigue before an incident occurs. Here are some of the most common signs of fatigue: Reduced productivity. Reduced work quality. Short-term memory loss. Struggles to solve problems. Makes errors in judgment. Can’t focus. REDUCE DISTRACTIONS TO INCREASE WORKPLACE SAFETYSEE MORE ON GILBERTSRISKSOLUTIONS.COM DELIVERING AN EFFECTIVE YEAR END PERFORMANCE REVIEW Look at the Big Picture. When an employee is involved in a recent negative or positive event, it can cloud your judgment during a review. Remember to look at their entire performance throughout the year. One mistake or win does not define their overall performance. Track completed work and missed deadlines and discuss the events withthe employee.
THE IMPORTANCE OF HAVING AN INTERNAL HEALTH AND SAFETY OFFICERIMPORTANCE OF POLICE OFFICER SAFETYPOLICE OFFICER SAFETY POWERPOINTPOLICE SAFETY TOPICSLAW ENFORCEMENT SAFETY TOPICSOFFICER SAFETY LAWPOLICE OFFICER SAFETY TIPS Mar 22 The Importance of Having an Internal Health and Safety Officer. Employers covered by the OSH Act must provide employees with “jobs and a place of employment free from recognized hazards causing, or are likely to cause, death or serious physical harm.”. This includes compliance with OSHA statutes, standards, regulations, and others. SUBCONTRACTOR EXCLUSIONS RISK MANAGEMENT PLAN COMPONENTS: WHAT SHOULD IT INCLUDE A risk management plan refers to a written document that encompasses the process an organization has set to combat any potential risks or hazards. To begin with, the process starts by formulating a team of stakeholders who then review potential risks that can strike an organization. The team comprises senior-most management and thecompliance
WORKERS' COMP AND "OFF THE CLOCK" EMPLOYEES Jan 04 Workers’ Comp and “Off The Clock” Employees – What You Need To Know. Workers’ compensation insurance usually covers employees when they’re injured in the workplace performing within the scope of their employment. Naturally you might also assume coverage ends when employees are “off the clock.”. However, thingsaren’t
CREATING A SEXUAL HARASSMENT TRAINING PROGRAM THAT WORKS The Equal Employment Opportunity Commission received 6,758 sexual harassment claims in 2016 with monetary settlement benefits of $40.7 million. The highest reported sexual harassment lawsuit awarded $168 million to the plaintiff, but countless others never make it into the news. Many people settle their claims outside of the EEOC and courts. COVERAGE OF THE MONTH: SERVICE LINE COVERAGE Service Line Coverage is an optional insurance that protects homeowners in the event that an underground utility or service line becomes damaged or needs repaired. Homeowners are responsible for the costs of repairing these lines in the case that one becomes damaged, if not insured. Unfortunately, most homeowners insurances do not coverthis
THE IMPORTANCE OF STRATEGIC RISK MANAGEMENT TO THE MODERN The risk management strategy forces an organization to make objectives and goals. It also encourages any business to measure success from time to time. Companies first measure the problems that will come in their way, make objectives that how they can deal with them, and then make decisions, leading to the company’s progress and growth. CREATING AN EFFECTIVE WORKPLACE SAFETY MANUAL First, it can help prevent workplace injuries and illnesses and reduce claims and insurance costs. Second, a well-crafted manual improves legal and regulatory compliance. Third, it engages workers and improves productivity, which benefits business operations and your bottom line. Here’s what you should consider when creating a safetymanual
DELIVERING AN EFFECTIVE YEAR END PERFORMANCE REVIEW Look at the Big Picture. When an employee is involved in a recent negative or positive event, it can cloud your judgment during a review. Remember to look at their entire performance throughout the year. One mistake or win does not define their overall performance. Track completed work and missed deadlines and discuss the events withthe employee.
THE DANGERS OF STRESS IN THE WORKPLACE However, many other problems result from stress in the workplace. Stress affects performance and productivity and can increase employee turnover. It lowers employee morale and increases employee complaints. It is also a factor in 60 – 80% of accidents, incident reports, and insurance claims. A 2016 study from Harvard Health found that 62% of SUBCONTRACTOR EXCLUSIONS A recent trend in general liability insurance policies adds an endorsement, which excludes coverage for subcontractor acts. The reason for adding this endorsement is it reduces carrier costs. What Problems Can This Cause? When a policy excludes coverage for subcontractors, a lawsuit can affect the general contractor, who’s typically always involved in a lawsuit when something goes amiss. HOW TO FIND THE RIGHT WORKERS' COMP THIRD PARTY ADMINISTRATOR Aug 31 How To Find The Right Workers’ Comp Third Party Administrator. Choosing a workers’ compensation third party administrator is an important decision. It is complex work, but a good administrator can promote efficiency and streamline workers’ compensation costs. A poor one can bog down the process, gobble up time unnecessarily, and__
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TIMES CHANGE
BUT OUR FOUNDATIONAL VALUES LIKE INTEGRITY, HONESTY, AND TRUST DON’T — AND THEY ARE WHAT HAVE KEPT GILBERT’S RISK SOLUTIONS GROWING AND THRIVING FOR 160 YEARS.THEN | COMMERCIAL
When we opened our doors, the first blast furnaces were in operation and coal mining was flourishing in 50 neighboring mines. Sharon was an iron and steel center. Products were hauled over wagon roads and shipped via river or rail. Risks were high for businesses, but business insurance coverage was still very limited.__
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NOW | COMMERCIAL
Today, we still work in steel and manufacturing, but our 3,000+ customers have expanded to technology, energy, retail, and service sectors. The workplace is much safer today, but technology, complex regulations, and a global marketplace have introduced evolving new risks. Gilbert’s values haven’t changed, but we’ve kept up with the latest technologies, diagnostics, and risk management tools to help our clients identify exposures, mitigate risks, and reducelosses.
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THEN | BENEFITS
Most manufacturing workers were putting in 65-70 hour work weeks. Modern day labor laws covering hours, wages, and employee safety did not exist. Health insurance, unemployment insurance, sick days, and vacation time did not evolve until decades later.__
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NOW | BENEFITS
Today, employee benefits are rich and varied, from health insurance to retirement packages and everything in between. There’s also a labyrinth of federal, state, and local employment laws. We help employers design benefit plans for every budget, and we offer a cutting edge Human Resources Information System (HRIS), compliance consultation, and tools for managing ACA, FMLA, ERISA, ADA and more!Learn More
THEN | PERSONAL
Autos hadn’t yet been invented. Homeowners insurance as we know it didn’t exist until a century later. Fire insurance policies were available, but were pretty basic. Life insurance was also available for male breadwinners to protect widows and orphans, but generally purchased by wealthier individuals.__
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NOW | PERSONAL
Today’s families have a much higher standard of living. Personal assets needing protection have expanded to encompass homes, autos and sometimes RVs, boats, and second homes. There’s also an array of income protection, retirement, and life insurance options. While choices are more complex, we can be your guide, providing the same great service to you that has kept us in business for more than sixgenerations.
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