Category: Risk Management

Navigating the Aftermath of an Accident on a Construction Site

Worker safety needs to be one of a project manager’s biggest priorities on a construction site. It is important that they take measures to prevent accidents and be ready to address them when they occur.

Administer First Aid

Workers need to know where first aid equipment is located so they can respond quickly to a construction site injury. Kits should include essential items such as bandages and eyewash.

Document an Injury

As soon as reasonably possible, project managers should complete an accident or incident report to document what happened. Documentation of some injuries must be relayed to OSHA in accordance with applicable state law.

Notify Insurers

Many company’s insurance policies require them to provide notice of an accident to the carrier. Companies should put carriers on notice of a potential claim in order to assure coverage.

Evaluate Training Procedures

In some instances, accidents will be the result of human error and there is not anything that companies must do to address unsafe conditions. However, they may need to consider enhancing safety training initiatives to reduce the likelihood of the same type of accident happening again.

Having a plan in place to respond to accidents is critical. Project managers should review their current policies and procedures to identify any potential deficiencies.

Film Production Safety

No matter the size of the feature, all filming sites have some potential risks. Before you run into liability troubles, take the time to assess the potential hazards on a film set such as these top sources of preventable injury.

Tripping, Lifting and Falling

Often ignored as clumsiness, the risk of injury from tripping, lifting and falling are more common than any other type of injury at a film site. Before bringing people on set, double-check that everything is secured and walkways are clear.


Depending on when and where you’re filming, keeping sun or cold protection on hand can be a lifesaver. Keep watch on the weather forecast and only film when conditions are suited for it.


Items like lights and cameras can cause substantial injury if not handled correctly. Prevent burns and electrical injuries by making sure everyone knows about the hazards on a film set around this kind of equipment.

Special Effects

Audiences love a good chase scene or explosion, but these effects can be risky to perform. Make sure everyone knows when a car crash or firework is about to go off, and keep fire extinguishers and other safety equipment on hand.

Before injuries can occur, take steps to prevent common hazards. With the right foresight, you have less to worry about as you create your next film.

How Nonprofits Can Help Their Volunteer Drivers

Nonprofit organizations that benefit from the contributions of volunteer workers owe these special individuals a tremendous debt of gratitude. Of course, people who are volunteering for an outstanding organization are gratified just to be a part of its mission, but they certainly value being appreciated. Moreover, they depend on organizations to provide them with what they need to serve safely and effectively. A couple of different types of support can help volunteer drivers stay safe and be exposed to less risk while they’re on the road.


New and experienced drivers alike can stand to gain a lot from structured training on topics such as defensive driving, distracted driving, and how to drive safely in inclement weather conditions. An online training course can teach valuable skills that will protect volunteer drivers and prevent accidents.


An individual driver’s personal policy may not be adequate to address the costs that he or she will incur in the aftermath of an accident. Also, any corporation who a driver is working for whether or not it’s in a paid or volunteer capacity is at risk of being subject to a claim. It’s important that organizations carry adequate insurance that will address situations involving volunteer drivers, regardless of whether they’re using their own vehicle or a company vehicle.

Kevin Davis

What Rights Do Homeowners Have Against Their HOA?

A Homeowner’s Association is intended to help maintain a clean and attractive atmosphere in the neighborhood that falls under its purview. It is a private association that is usually formed by a developer. Any homeowners who live in an HOA area sign contracts that require them to abide by certain community rules and guidelines. Unfortunately, in some cases, HOAs can become unfair and even tyrannical in their operations. When this happens, it’s important to understand the homeowner’s rights against hoa organizations.

What Can’t HOAs Do?

It may seem like HOAs can do whatever they want and get away with it, but there are certain rights homeowners always have. Here are a few things HOAs should never do:

  • Hand out random fines
  • Discriminate on the basis of ethnicity or race
  • Force you to take down your cable dish
  • Create rules without sufficient notice

If your HOA does any of these things, you have a right to fight back. There are certain insurance products companies like Kevin Davis offer that are intended to offer assistance and coverage if legal issues arise between homeowners and the HOAs in which they reside. The best course of action is to make sure you carefully read through your homeowners’ contract before pursuing legal action against your HOA. If you review your agreement and discover that your HOA is out of line, learn about homeowner’s rights against hoa.

Need for Risk Management

Recognize Your Company’s Need for Risk Management

Recognize Your Company’s Need for Risk Management

Businesses encounter risks and exposure based on the nature of operations and the actions of employees. While carrying a solid insurance plan is one way to minimize the financial effects of an incident that creates a loss, conducting a risk assessment and management plan is what the experts at recommend for reducing the number of incidents that may occur.

Areas of Risk

Some industries have a higher risk than others and in more sensitive areas. The finance industry has to contend with threats of employee theft, fraud, and issues with cybersecurity. Those who work in manufacturing deal with safety concerns for their employees, but also the potential for product malfunction or defect. A risk assessment recognized these areas of exposure, then develops strategies to address them. In manufacturing, it could be establishing more rigorous manufacturing job training programs. In the financial sector, strong firewalls and security protocols could be the answer.

How to Develop a Plan

Risk management programs are often used in conjunction with comprehensive insurance plans. Many insurance providers are able to help craft a risk response, and in doing so, it could help lower your premium costs. If you want to conduct a risk management assessment, make sure it is done systematically and thoroughly. Also, establish a process for recording the results and continually reviewing them in order to evaluate how much progress your company is making.