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RECALL: Over 80,000 Units Affected

The Consumer Product Safety Commission (CPSC) recently announced the recall of about 158,000 units of Honeywell Fibre-Metal E2 and North Peak A79 hard hats. They reported that these hats can fail to protect users from impact, posing a risk of head injury. The hard hats included in the recall may not provide the level of protection for which they were designed. However, no injuries have been reported.

The Fibre-Metal E2 hard hats have a manufacture date of April 2016, May 2016, December 2017, or January 2018. The North Peak A79 hard hats were manufactured from April 2016 through January 2018. Only North Peak A79 hard hats with mold identification number 4 are included on this recall. North by Honeywell, the mold identification number, and the manufacture date can be found on the underside of the hat’s brim. The date code is in a clock format: The numbers around the circle correspond to the 12 months of the year, the arrow points to the month of manufacture and the numbers on either side of the arrow represent the last two digits of the year.

Honeywell is offering a refund to customers who purchased the affected hard hats. Approximately 82,000 of the recalled hard hats were sold in the United States, and an additional 65,000 units were sold in Canada. Owners are asked to stop using the hats & to contact Honeywell toll-free at 888-212-6903 from 8 a.m. to 5 p.m. ET Monday through Friday, or visit them online at www.honeywellsafety.com and click on Voluntary Product Recall for further information. This page explains how to determine if a hard hat is subject to the recall or not.

hard hat

 

Multitasking is a Myth: Focus on the Road to Save Lives

Driver inattention is the leading factor in most crashes and near-crashes, according to the National Highway Traffic Safety Administration and Virginia Tech Transportation Institute. Distracted driving is a public health issue that affects us all. It is a major contributor to the 40,000 people who were killed on our nation’s roadways last year. However, each death is 100% preventable.

Anything that takes your attention away from driving can be a distraction. Sending a text message, talking on a cell phone, using a navigation system, and eating while driving are a few examples of distracted driving. Any of these distractions, even if done for just one second, can endanger the lives of the driver and others.

Driving is a visual task and non-driving activities that draw the driver’s eyes away from the roadway should always be avoided. As of July 1, 2010, Michigan law prohibits texting while driving. Motorists can be fined between $100-$200 for offenses.

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Window Accident Prevention: How to Keep your Loved Ones Safe in your Home

As temperatures go up, so do windows in many homes. Opening windows in your home to enjoy the warmer temperatures may seem harmless, but open windows have proven to be sources of injury and death for young children. The first week of April was Window Safety Week, a week dedicated to raising awareness about the important role of windows in escaping a fire or other emergency, as well as educating parents and caregivers on how to prevent accidental window falls.

Many people don’t think about the threats windows pose to children, but the risk is very real. See the statistics below according to a U.S. Consumer Product Safety Commission report:

falls from windows

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Prevent Cybersecurity Breaches | How to Keep your Business Information Secure

Cybersecurity DefinitionMost people see cybersecurity as something that only governments and large corporations need to worry about. For example, recent news stories have been highlighting cyber attacks on major entities such as Equifax and England’s National Health Service. However, businesses of all sizes are at risk of a cyber security breach.

According to the Department of Homeland Security, 40% of cyber attacks target businesses with fewer than 500 employees. In addition, about one in five small and midsize businesses reported a cyber attack over a two-year period.  Computer crime has now bypassed illegal drugs as the country’s #1 criminal money-maker, making it in every business owner’s best interest to safeguard their organization as much as possible.

 

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A Quick Guide to Using our Brand-New App

Personal Lines Customers: We are excited to announce a new service to better support your needs with the Olivier-VanDyk Insurance App!

Our user-friendly app contains several features, including quick and easy ways to:

  • Obtain an auto insurance card
  • Review your policy information
  • Submit a change/start an auto claim
  • Communicate with your agent

 

App Store

 

 

You can find the mobile insured app by searching for “Olivier-VanDyk” in the Apple App Store or the Google Play Store, and downloading onto your mobile device (phone or tablet).

 

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February: “Insure Your Love” Month

Valentine’s Day is celebrated by 62% of adults in America – but how many of those people know that February is also “Insure Your Love” month?! “Alright Dana, way to go, take a fun holiday and bring life insurance into the conversation.” Sorry, just doing my job…

In the insurance business one of our main responsibilities is to protect things – assets like buildings, homes, cars, boats, and most importantly, people.  The first four items can all be replaced with time and money, but replacing you is impossible.  The only thing we can do is protect your future income so your loved ones do not suffer.

insure your love stats

It’s important to ask yourself, “Are my loved ones protected? What would happen if one of the income earners were to die unexpectedly?”

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The Evolution of Group Health Plans | 108 Years of Compelling Reforms [Infographic]

Many legislators, business owners, and employees have waved the white flag in regards to understanding and solving problems surrounding the accessibility and cost of group health insurance. For the last decade, it seems that the issue of employer-offered health benefits has been discussed, argued over, and budgeted for to the exclusion of all else.

One of the top questions asked when discussing group health insurance is,  “What’s going to happen next with the Affordable Care Act?”

Unfortunately, that is a complex question that contains too many variables for anyone to be able to easily answer.

However, to view the issues we are experiencing as new or isolated and directly resulting from our current political climate would be shortsighted. It may be beneficial to review the evolution of health insurance plans in order to gain some perspective on how quickly (or slowly) things can change.

 

Heath Insurance Plan Timeline

In 1910, Montgomery Ward & Co. entered into one of the earliest group insurance contracts. This triggered the establishment of physician service and industrial health plans. Although definitely not a standard in our society, they were available.

By 1920, 16 states attempted to develop laws aimed at requiring health insurance programs. Think about that for a moment – 100 years ago, the first government-mandated health plans were introduced. However, all 16 efforts failed.

Fast forward to 1943 when the War Labor Board ruled to freeze wages. The wage freeze did not apply to fringe benefits, however, which prompted the business culture seen in today’s society of using benefits to recruit and retain top talent. If an employer was prohibited from paying more in wages during a severe labor shortage, offering health insurance was a great opportunity to sweeten the pot for prospective employees. Employer-provided health insurance started to become a standard benefit for employees. It became a considerable part of employment planning and decision-making. And consequently, it developed into an expectation and eventually, a nation-wide mandate.

Over the next 60 years, the structure of how health insurance was administered remained largely unchanged; Employers contract with insurance companies to manage their risk and provide a network of medical providers at a cost below retail. Likewise, the government has kept up a steady stream of regulations to contribute to the rising cost of care and administration of health insurance.

 

Continue reading “The Evolution of Group Health Plans | 108 Years of Compelling Reforms [Infographic]”

Cost Control Strategy: “Don’t step over a dollar to pick up a dime”

Cost Control Strategy

Think about your last renewal – how much time was spent on interviewing new agents, market selection, filling out applications/meeting with numerous insurance company Loss Control Representatives, and dealing with the “quoting process”? Now, think about how much time was actually spent sitting down to create an action plan to help you truly control your exposures and reduce your insurance spend over the next 5-10 years, rather than just the upcoming year.  Continue reading “Cost Control Strategy: “Don’t step over a dollar to pick up a dime””

FMCSA puts final nail in the coffin for restart regs

The Federal Motor Carrier Safety Administration confirmed on its website that the 2013 regulations on the 34-hour restart will not go back into effect, given the results of a study released this week.

The U.S. Department of Transportation has notified Congress that the required study of the those regs revealed they provided no safety benefit. The notification verified a DOT Inspector General notice issued last week on the study’s conclusions. Continue reading “FMCSA puts final nail in the coffin for restart regs”