Raley, Watts and O'Neill Insurance and Financial Services

12/07/2017

Cold stress is the way your body responds cold temperatures stemming from heat escaping from part of your body, such as hands, limbs, feet, and/or head.

Cold Weather Work Habits and Personal Protection Equipment Most of us have heard of cold-related illnesses such as frostbite, hypothermia, chilblains, and trench foot. All are illnesses related to cold stress. But the cold is insidious and works its way deep into the body where it indirectly causes?...

11/30/2017

To help ensure that your construction projects stay productive and accident-free, we'd recommend these guidelines.

Forklifts have revolutionized the construction industry. However, using them creates the risk of serious injury and death for drivers, other employees, and pedestrians. Although following the rules for forklift operation – safety checks, maintenance inspections, and so on –are time …

11/28/2017

Consider a software developer. If they develop an application or program that widely applies and it's sold to the general public, it's a product. If it's developed for a unique user, it's a service.

Sounds like a simple question, right? It’s not. Yet, it’s fundamental to insuring your business. Consider a software developer. If they develop an application or program that widely applies and it’s sold to the general public, it’s a product. If …

11/17/2017

Keeping workers safe from shocks, burns, and electrocution on the job

A preventable electrical injury occurs in the workplace every 23 minutes. Jim White, training director for Shermco Industries, Inc., a Dallas-based electrical power systems test and maintenance company, has developed this list of 10 tips for keeping workers safe from …

10/04/2017

It’s important to discuss you options with an experience agent, who understands the needs of your nonprofit. The experts here at Raley Watts and O’Neill can craft a customized solution to ensure your nonprofit is protected and continues to bring good to the community.

Professional Liability insurance for nonprofits, also known as Errors & Omissions (E&O) insurance kicks in when your nonprofit is sued for professional negligence. Being sued for professional negligence means your advice or a professional “mistake” caused someone harm. If you …

02/10/2017

Having an adequate workers compensation policy for your nonprofit organization isn’t the only way to help protect your employees and volunteers.

As an owner of a nonprofit, you spend most of your time trying to help others and make your community better. Your employees and volunteers help make your vision a reality, but they also need your protection. Depending on the …

01/18/2017

According to industry experts, -related scams often involve one or more of these “red flags.”

Although no one sign should necessarily be cause for alarm by itself, two or more should raise suspicions and could trigger an of the claim:

Workers Compensation fraud is a widespread and serious problem that’s not only illegal, but leads to higher insurance premiums for all businesses – including yours. According to industry experts, Comp-related scams often involve one or more of these “red flags.” …

01/11/2017

If death put this person out of the picture, where would you find the to keep you up and running?

01/04/2017

recommend that any who will be a truck should receive a road test of his or her before being hired.

Chances are that you’d never buy a new truck or front-end loader without trying it out to make sure it could do the job. Do you do the same for the vehicle’s operators? Safety experts recommend that any employee who …

12/28/2016

“You can get excited about the . The won’t mind.” – Hillary DePiano

“As the year comes to a close, it is a time for reflection – a time to release old thoughts and beliefs and forgive old hurts. Whatever has happened in the past year, the New Year brings fresh beginnings. Exciting …

12/21/2016

Happy Holidays!

It’s the Holiday season and we just wanted to say ‘ Thank You ’ and that… It’s been a pleasure working with you this year… Hope you and your family have wonderful Holidays and… A Happy New Year.

12/14/2016

To reduce the risk of in storing , experts recommend that you:

Each year around 1,000 trips or slips on construction sites result in fractured bones or dislocated joints, often leading to permanent disability, harming workplace morale, reducing productivity, and raising insurance premiums. Many of these accidents are due to negligence in …