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Insight & advice from the experts at Marshall & Sterling

 
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Active Shooter Incident Preparedness and Response Strategies
According to the FBI, the annual number of active shooter incidents doubled between 2017 (31 incidents) and 2021 (61 incidents), with three out of the five deadliest mass shootings taking place in the last decade. These incidents often result in serious damage and harm, even though FBI research found that the majority (70%) of mass shooting events span less than five minutes. With this information in mind, being adequately prepared for such events and utilizing effective response tactics can make all the difference in minimizing losses.
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Nonmotorized Boat Safety
Going out on a nonmotorized boat can be an exciting experience. However, as a camp site owner, you must ensure that individuals stay safe while engaging in this activity. Being aware of the dangers associated with boating can help you properly prepare for and respond to its associated risks. Keep reading for more information on types of nonmotorized boats, their potential hazards and safety precautions to implement on the water.
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A Primer on Stop Loss Contracts
Minimizing financial exposure to catastrophic health care claims is a priority for employers with self-funded health plans, especially as these types of claims become more common due to rapid cost increases. Stop-loss insurance helps self-funded employers protect themselves from higher-than-anticipated health claim payouts by limiting their exposure to employee medical claims that exceed a predetermined amount. This insurance allows self-funded employers to manage their health care costs and protect against catastrophic claims, helping ensure an employer’s financial reserves aren’t drained from abnormal claim severity and frequency.
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CVSA Announces 2023 International Roadcheck Focus
The Commercial Vehicle Safety Alliance (CVSA) recently announced that this year’s International Roadcheck is scheduled for May 16-18, 2023. The International Roadcheck is an annual, three-day enforcement initiative that emphasizes the importance of commercial motor vehicle and driver safety through a blitz of high-visibility roadside inspections across North America.
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Know Your Insurance: Types of Auto Insurance Coverage
If someone were to ask you what was covered under your auto insurance policy, would you be able to tell them? Like most of us, you would probably have a hard time confidently answering that question. Interpreting the various types of coverage offered under your auto insurance policy, and all those insurance terms, can be tricky, but extremely beneficial. The more you understand your policy, the more peace of mind you have knowing you are sufficiently covered in an accident. To help you develop a better understanding of your policy, here are six types of coverage that it may include.
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Safety Tips: Operating 15-passenger Vans
15-passenger vans are invaluable as they can help transport large groups of people to one destination. However, they also carry unique risks that can be potentially deadly without proper precautions in place. In fact, recent research from the National Highway Traffic Safety Administration found that 15-passenger vans are more likely to be involved in single-vehicle rollover crashes—accidents that result in a vehicle being tipped on its side or roof—than other types of vehicles.
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Nonmotorized Boat Safety
Going out on a nonmotorized boat can be an exciting camp experience. However, as a camp counselor, you must ensure that campers stay safe while engaging in this activity. Being aware of the dangers associated with boating can help you properly prepare for and respond to its associated risks. Keep reading for more information on types of nonmotorized boats, their potential hazards and safety precautions to implement on the water.
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Experts Predict Slightly Below-Average Hurricane Season in the Atlantic
For 2023, Colorado State University (CSU) hurricane researchers are predicting a slightly below-average Atlantic hurricane season, which runs from June 1 to Nov. 30. CSU researchers believe there will be 13 named storms throughout the year. This total sits below the average of 14.4 named storms per year recorded between 1981 and 2020.
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Hurricane Preparedness: Safety Checklists for Businesses
It can be challenging for a business to recover following a hurricane. In fact, 40% of small businesses won’t reopen after a natural disaster, according to the Federal Emergency Management Agency. As a business owner, being prepared is one of the best ways to ensure your business survives following a hurricane or other natural disaster. Follow these checklists and keep your business prepared in the event of a hurricane.
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2023 Fire Season Expected to Produce Above-Average Activity
Between 60,000 to 75,000 wildfires are expected to occur, potentially burning 6.5 million to 8.25 million acres of land this fire season.
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