Straight-From-the-Source-Blog-Header.png

Straight From The Source Blog by Higginbotham Insurance


The Texas Agritourism Act: Liability protection for landowners

April 03 , 2018

Texas Agritourism Act

Do you own land in Texas and let people use that land for recreational purposes like hunting, fishing or hiking? Then you may be entitled to limited liability protection thanks to the Texas Agritourism Act (the Act). It can also benefit businesses like vineyards and safari venues.

Read More

Tags: Risk Management


Best practices for your early return-to-work program

March 27 , 2018

541135034 return-to-work program.jpg

As the old saying goes, prevention is the best medicine. When it comes to reducing the cost of workers’ compensation insurance claims, this holds true. Preventing workplace injuries and illnesses is clearly the best method. Even with the best training, equipment and policies, however, the occasional incident may still occur. When this happens, an early return-to-work program can benefit both the employer and the employee.

Read More

Tags: Risk Management, Business Insurance


Tips to strengthen construction site safety for workers

March 14 , 2018

Construction site safety

A safe construction site benefits everyone, from the workers who want to earn a paycheck without getting injured, to the managers looking out for the company’s bottom line. Despite this, many construction sites don’t do everything they can to keep workers safe. This results in violations, injuries and workers’ compensation claims – much of which could have been avoided. Strengthen the safety at your construction site with these tips.

Read More

Tags: Risk Management


Top 10 OSHA violations and tips to avoid them

February 15 , 2018

Top OSHA violations

The Occupational Safety and Health Administration (OSHA) recently unveiled its top 10 most frequently cited violations for 2017. The agency annually reports the leading causes of workplace injuries during its fiscal year (October through the following September).

Read More

Tags: Risk Management


Reputational risk and insurance

February 10 , 2018

Reputation damage

Your company’s reputation is one of its greatest assets. But what happens if something tarnishes that reputation? Your food makes a customer sick. Your products cause injury. Your website is hacked, revealing your customers’ personal details. Whether or not it’s your fault, reputational damage can hurt your bottom line.

Read More

Tags: Risk Management


Cyber liability trends and safeguards

January 05 , 2018

Cyber trends 155292678.jpg

Several cyberattacks made headlines in 2017. Incidents like the WannaCry ransomware infection and the Equifax data breach don’t appear to be flukes. Instead, they’re part of a bigger trend, and one that’s expected to continue through 2018. And hackers aren’t the only online threat. Infringement of intellectual property, defamation and other perils await anyone doing business online.

Read More

Tags: Risk Management


Texas risk management: Charitable Immunity and Liability Act of 1987

December 27 , 2017

Texas charitable immunity act

The Charitable Immunity and Liability Act of 1987 (the Act) was passed to reduce the liability exposure and insurance costs of charitable organizations and their employees and volunteers in order to encourage volunteer services and maximize the resources devoted to delivering these services.

Read More

Tags: Risk Management


How cyber insurance works

November 30 , 2017

how cyber insurance works

Strengths. Weaknesses. Opportunities. Threats. As you plan for 2018, you may be conducting a formal or informal SWOT analysis for your business. When you get to the “Threat” category, make sure to add cyber risk to your list.

Read More

Tags: Risk Management, Business Insurance


Common commercial vehicle accidents and how to prevent them

November 17 , 2017

Preventing commercial vehicle accidents

If your workers use vehicles for business purposes, the risk of a commercial vehicle accident is real. According to the Federal Motor Carrier Safety Administration (FMCSA), 4,311 large trucks and buses were involved in fatal crashes in 2015, representing an increase of 8 percent compared to the previous year. The same year, 415,000 crashes involving large trucks were reported to the police. Commercial vehicle accidents can result in significant loss, and accident prevention is in everyone’s best interest.

Read More

Tags: Risk Management


Transportation contract risk management: Texas anti-indemnity laws

October 06 , 2017

iStock-transportation risk management-279400-edited.jpg

In the first two parts of this contract review series, we discussed the state-specific anti-indemnity laws affecting Texas construction and oilfield contracts. As we explained, the Lone Star State has specific anti-indemnity laws for the commercial construction, oilfield and motor carrier transportation industries. It’s important to understand these laws before your company signs a contract so you can avoid unexpected costs and litigation in the event of a claim.

Read More

Tags: Risk Management


SUBSCRIBE TO NEWSLETTERS