Commercial Connections
 
In this issue

Fearing Cyber Loss? Get Cyber Coverage

Are All Your Liability Risks Covered?

3 Keys to an Effective Safety Management Program

5% Is the Difference between Damage & Disaster

Do I Really Need Flood Insurance?

Business Entertaining? Time to Set Sail!

Yes, Even Snow-Covered Buildings Burn!

 




The Occupational Safety and Health Administration (OSHA) lists the following as the 10 most frequently cited OSHA safety standards violated by businesses in 2012:

1. Fall protection (construction)
2. Hazard communication standard (general industry)
3. Scaffolding, general requirements (construction)
4. Respiratory protection (general industry)
5. Control of hazardous energy (general industry)
6. Powered industrial trucks (general industry)
7. Electrical, wiring methods, components and equipment (general industry)
8. Ladders (construction)
9. Machines, general requirements (general industry)
10. Electrical systems design, general requirements (general industry)
 
 
 
Fearing Cyber Loss? Get Cyber Coverage
It seems every day another news story breaks about businesses suffering from digital theft, security breaches, or copyright infringements or allegations. In a marketplace increasingly reliant upon online communications, the risk of such losses grows.
[ read more... ]

 

Are All Your Liability Risks Covered?
You need liability protection for more than premises and operations risks. Be sure you are also protected for "management risk." When you make management decisions, the liability exposures may be even greater than a slip and fall or vehicle accident.
[ read more... ]

 

3 Keys to an Effective Safety Management Program
Although creating a comprehensive safety management program can involve numerous and sometimes complex steps and procedures, it is important to be certain all of those details fully address three key questions:
[ read more... ]

 

5% Is the Difference between Damage & Disaster

5% Is the Difference between Damage & Disaster
When you think of high winds and severe building damage, what image comes to mind? Tornadoes? Hurricanes? Blizzards? A brief thunderstorm? Many building owners may not consider an isolated thunderstorm to be the cause of high-risk damage. But recent tests conducted by the Institute of Business and Home Safety (IBHS) prove otherwise.
[ read more... ]

 

Do I Really Need Flood Insurance?
Many business owners ask this reasonable question, especially as media reports have increased about the changes in the National Flood Insurance Program and its rates mandated by the Flood Insurance Reform Act of 2012, also known as the Biggert-Waters Act. In answer, consider the following facts from the National Flood Insurance Program (NFIP):
[ read more... ]

 

Yes, Even Snow-Covered Buildings Burn!
Last October's Superstorm Sandy caused unprecedented catastrophic damage and destruction. If you think that a hurricane or tropical storm striking the upper Atlantic Coast or New England is a historical oddity, especially at this time of year, consider just these storms from the last 10 years:
[ read more... ]

 

Selective's Newest Television Commercials

Click here to check out Selective's newest television commercials.
[ click here to view... ]

 
 
www.selective.com

If the recent storms have affected you, report your claims by calling (866) 455-9969. Selective flood insurance customers can call (877) 348-0552 or email floodclaims@selective.com.