Articles
Food Hazards When Receiving, Storing, Rotating and Labeling
To customers, it may seem like food magically appears on grocery store shelves, but grocery store workers know better. Behind the scenes, people are constantly at work: receiving shipments, stocking...
Off-Premises Power Failure: A Costly (and Dark) Grocery Store Exposure
Grocery store owners may assume that their commercial property insurance will provide coverage in the case of major food spoilage after a power outage. However, this is not necessarily true. Many...
Wire Transfer Fraud and Social Engineering Scams Threaten Businesses
Imagine you’re a high-level employee with access to your company’s financial accounts. You receive a call requesting a money transfer to cover urgent equipment issues. As the caller has extensive...
The Crucial Role of Directly Reporting Potential Claims to a Carrier’s Claims Department Under Lawyers’ Professional Liability Policies
In the legal profession, maintaining professional liability insurance is essential to protect attorneys from potential claims and financial liabilities. However, when circumstances arise that could...
Reducing Pallet Accidents in Grocery Stores
Although businesses rarely think about pallets posing a risk, there have been several cases of employees suffering serious and even fatal injuries. The Occupational Safety and Health Administration...
Manufacturing Ransomware Attacks
When the number of ransomware attacks dropped in 2022, everyone breathed a sigh of relief. Cyber insurance rate hikes cooled, and business owners hoped the worst was over. Then, 2023 brought a...
Mitigating the Risk of Equipment Failure for Manufacturers
Manufacturing companies rely on sophisticated equipment. When equipment fails, operations may grind to a halt, resulting in massive direct and indirect costs. By taking proactive steps to mitigate...
What’s Happening Now with Builder’s Risk Coverage?
Securing coverage for construction projects is becoming more challenging. Builder’s risk insurance is a special type of insurance that covers properties undergoing construction. Market pressure...
Injury Prevention Strategies for the Construction Industry
Construction is a dangerous industry. Injury prevention strategies can help keep workers safe, projects running smoothly, and costs down. According to the U.S. Bureau of Labor Statistics (BLS), the...
Emerging Manufacturing Exposures to Watch
Just when you think you have your risk management under control, a new risk emerges or an old one evolves. To avoid unexpected losses, watch out for these emerging manufacturing exposures. Forever...
Lowering Hospital Bills for Employees
How to promote financial assistance programs to employees and their families Unexpected medical bills, along with the cost of ongoing treatment and medication, can quickly add up and cause financial...
Private Exchanges & the Paradox of Choice
How excessive medical plan options can hinder employees' decision-making Healthcare is a vital component of an employee's overall well-being, and selecting the right medical plan can have a...
How Timely Incident Reporting Helps Your Store
If someone has ever fallen in your store but didn’t appear to be seriously injured or in need of medical care, you may have wondered if you should report the incident to RiskPoint. Absolutely. The...
RiskPoint Insurance Advisors Included in the Big “I” and Reagan Consulting 2022 Best Practices Study
RiskPoint Insurance Advisors has been selected for the 7th year to be part of an elite group of independent insurance agencies around the United States participating in the Independent Insurance...
Training Your Team to Sell Alcohol Safely
Alcohol sales are big business. They can also be a big risk. To avoid fines, license suspension and other penalties, grocery stores need to train their teams how to sell alcohol safely. Underage...
Real Estate Discrimination Claims: Mistakes and Missteps Could Lead to Lawsuits
Discriminatory practices are under the microscope. Real estate professionals need to navigate a number of anti-discrimination laws, and any missteps can lead to accusations of prejudice, along with...
Grocery Delivery Risk Management
The rise of delivery is changing the way grocers operate. Although this trend is creating benefits for both grocery operators and their customers, it’s also bringing a new host of risks. If grocers...
Liability in Active Shooter Scenarios
When an active shooting incident occurs, who is to blame? The shooter, obviously. But what about the business where the active shooting takes place? In some cases, businesses may be held liable for...
Grocery Safety: Preparing Your Team for Workplace Violence
When you think about grocery safety, you might focus on things like proper food handling and slip and fall prevention. These are key issues, certainly, but they’re not the only risks that grocery...
Summer Hiring: Keeping Teens Safe on the Job
For many teens, summer is the perfect time to earn some money. Youth workers can provide valuable contributions, but their lack of experience can also make them vulnerable to injuries. Make sure...
Unbundling With Care: Why An Unbundled Health Plan Can Offer Maximum Flexibility With Lower Costs
“Bundled” Plan vs. “Unbundled” Plan All health plans utilize the same underlying principles to build out the functions needed to protect you financially and provide your employees access to...
Rising Commercial Property Rates – How Grocers Can Prepare for Renewal
Since the pandemic began, grocery stores have been challenged to keep up with consumer demand while managing worker and inventory shortages. Now, there’s another challenge: rising property insurance...
Winter Slip Trip and Fall Prevention – How to Keep Employees & Customers Safe
Wintertime often presents hazardous weather conditions around the country. When weather conditions are bad, accidents such as slips, trips and falls are a common occurrence. Subsequently, an...
Cyber Safety Tips for Grocers
Could a cyberattack shut down your grocery store? As cyberattacks rise, no industry is safe. Modern grocers need to be aware of the risks. Here are some cyber safety tips to help keep your business...
Tips for Backroom Housekeeping and Safety
A disorganized backroom might be an even bigger problem than you realize. First, there are the obvious issues associated with not being able to find the items you need and losing track of your...
Machine and Equipment Guarding
Your business depends on machines. The safety of your employees depends on the proper guarding of those machines. OSHA says that workers who operate and maintain machinery experience approximately...
Parking Lot Safety
Even if you take safety seriously, you might not spend a lot of time thinking about your parking lot. That could be a mistake. Parking lots contain numerous hazards. If a customer is injured because...
Avoid Incidents with Safe Lifting Practices
Every time your workers lift a heavy item, they risk injuring themselves. Safe lifting practices can reduce the risk of injury and prevent expensive claims. A Leading Cause of Workplace Injuries...
What to Expect with Your Cyber Insurance Renewals
As you have probably heard, the cyber market is continuing to harden as we move further into 2021. In the first quarter, various industry sources reported rates went up between 18% and 25%, while...
Risk Control Requires Prompt Incident Reporting
Imagine that a customer slips and falls in your store. The customer doesn’t seem badly injured. You ask if they need anything, they say they think they’re OK, and they leave. You’re relieved that it...
RISKPOINT INSURANCE ADVISORS INCLUDED IN THE BIG “I” 2021 BEST PRACTICES STUDY
RiskPoint Insurance Advisors continues for the 6th year to be part of an elite group of independent insurance agencies around the United States participating in the Independent Insurance Agents...
Knife and Meat Slicer Safety in Grocery Stores
The Bureau of Labor Statistics says that there were 4.1 cases of injury or illness per 100 full-time workers at food and beverage stores in 2019. There were also 54 fatalities, up from 42 fatalities...
Preventing Injuries with Lockout and Tagout Procedures
A 17-year-old bagger employed at his family's grocery store was asked for ground beef by a customer. None was available, so he decided to operate the grinder, despite the fact that workers under the...
Are Your Stocking Procedures A Slip Trip And Fall Hazard?
Running a retail store requires juggling multiple responsibilities, and ensuring the safety of your employees and customers is one of the most important. It only takes a split second for a customer...
10 Ways To Deter Shoplifting At Your Retail Store
Shoplifting is one of the oldest problems we face as a society. According to Wikipedia, stealing more than five shillings worth of goods was a crime punishable by death under the Shoplifting Act of...
Legal Issues When Selling a Home with Tenants
Although selling a home is an everyday occurrence, it can involve several complicated steps. Add tenants into the mix, however, and it becomes a tall order. Aside from their emotional needs and the...
Don’t Let Winter Safety Hazards Spoil Your Grocery Business
Like any other business, the grocery business has its own unique safety hazards. From slips, trips, and falls to food poisoning to cuts and bruises, there are numerous ways customers and employees...
Risk Management for Real Estate Firms: How to Comply with the Fair Housing Act
Could you be accused of discrimination? The Fair Housing Act prohibits discrimination against people engaging in housing-related activities, including renting or buying a home. In addition to the...
Safe Food Handling in Grocery Stores
Food poisoning can ruin any meal. It can also ruin your store’s reputation. Risks can arise during every process, from receiving food from vendors to selling it to customers. Deli cases also can be...
Real Estate Professional Liability Exposures: Selling a Home with Leased Equipment
Home improvement projects typically add value to a home, but this isn’t always the case. Some additions may adversely affect the sales price. This is especially true when leased equipment is...
