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Associated Benefits and Risk Consulting - Risk Management


The workplace safety hazards of not communicating

Without the labeling and training required by the hazard communication standard (29 CFR 1910.1200), workers might not realize that the chemicals they work with every day could be causing cancer, lung disease or reproductive harm — and that's a serious concern. Hazard communication takes the number two spot on OSHA’s "Top 10 Most Frequently Cited Standards" list (it's number one on the MNOSHA list). This should come as no surprise since hazard communication has held this spot for over five years. And with an average of over 4,500 violations per year, it’s likely to retain its spot when the 2019 list is published later this month.

High-net-worth households need personal umbrella insurance

For high-net-worth households, a typical umbrella policy is often not enough. The financial consequences of being sued can be serious business. They typically have more assets at risk if they are hit with a large court settlement or judgment and, while compensatory damages may be standard across the board, some juries have seen fit to punish the rich especially hard for their negligence.

Hands-free driving law creates potential exposures and legal implications for employers

On August 1, 2019, the expanded “hands-free” technology-while-driving law went into effect in the State of Minnesota. This means when a motor vehicle is in motion or a part of traffic (yes, that means while stopped at a stoplight), the driver is prohibited from using a wireless communication device without hands-free technology. Penalties are $50 for a first offence (plus court fees) and $275 for each offense thereafter.