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Straight From The Source Blog by Higginbotham Insurance


Protecting your business against employment related lawsuits

August 15 , 2018

 

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Tags: Risk Management, Business Insurance


Oilfield contract risk management: Louisiana anti-indemnity laws

August 07 , 2018

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In the second part of our contract review series, we discussed the anti-indemnity laws affecting Texas contracts pertaining to a "well or mine service." As we explained, the Lone Star State has specific anti-indemnity laws for the commercial construction, oilfield and common carrier transportation industries. It’s important to understand these laws and how geography can affect them before your company signs a contract. Not knowing how laws from different states can affect your existing agreements can result in significant costs—both litigation costs and potentially out-of-pocket claims costs.

In this edition, we explore the specific laws affecting Louisiana oilfield contracts and compare them with the Texas oilfield anti-indemnity laws. But first, be sure you understand the three basic types of indemnity (limited form, intermediate form and broad form) by referencing the first edition of this series for a review.

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Tags: Risk Management


Help your workers avoid heat-related illness

July 11 , 2018

Heat danger

Summer’s here. The long, hot days are great for anyone who wants to spend the day by the pool, but for anyone who has to work, the heat can be uncomfortable. In some cases, it can even be dangerous. Heat-related illness is a serious threat. With a little care, however, employers can keep their workers safe and prevent heat-related workers’ compensation insurance claims.

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Tags: Risk Management


Pool safety and drowning prevention: Six tips for a safer summer

June 19 , 2018

Swimming Pool Safety

As the weather heats up, people will turn to the pool to cool down. While this is normally good summer fun, it can take a tragic turn in an instant.

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Tags: Risk Management


Preparing your business for hurricane season

May 24 , 2018

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The 2018 Atlantic hurricane season begins on June 1. According to the initial predictions from Colorado State University, this year’s hurricane activity isn’t expected to be quite as bad as last year’s. That’s good news, since the 2017 hurricane season was especially bad, with six major hurricanes.

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Tags: Risk Management


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.

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Tags: Risk Management


Best practices for your early return-to-work program

March 27 , 2018

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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.

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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.

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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).

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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.

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Tags: Risk Management


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