June 2010
In This Issue
Safety and Loss Control
The Legal Side of Disaster Preparedness
Summer Driving
Referral Rewards
   
Insurance
 
Property 
 
 
General Liability 
 
 
Professional Liability 
 
Directors & Officers Liability 
 
Automobile 
 
Workers Comp 
 
Umbrella 
 
Home 
 
Auto 
 
Recreational Vehicles 
 
Bonds 
 
Life & Disability
 
 
Group Health
 
 
401K 
 
Investment & Retirement Planning
 
 
 
 
  
Risk Management Services
 
My Wave
 
 
 CompClaims Online
 
Disaster Planning
 
Safety Procedures
 
Safety Program Planning
 
Web Based Safety Training
 
Pre-employment Screening
 
OSHA Compliance
 
 
Quick Links
 
EMA Website
 
OSHA Website
 
CDC Website
SAFETY AND LOSS CONTROL 
 
 
Are you missing that last piece of the puzzle when it comes to controlling insurance costs, managing safety programs, controlling accidents and keeping your training programs up to date? Whether you are a company with just a few employees or a large corporation with thousands of employees and multiple locations - we can help.
 
We are your Partners for all loss control services. EMA has the resources and experience to help any industry prevent or minimize the impact of unplanned, unwanted events that can adversely affect your bottom line.
 
With our expertise, we can design successful safety programs and loss control programs for your business. We will assist you in implementing these plans. This will help you to achieve maximum profits and minimize losses.
 
The types of safety programs and loss prevention programs we provide to your business include: Risk analysis, evaluation assessment, Monthly safety committee meetings and a whole array of occupational safety training programs.
 
Our approach includes:
  • Identifying hazards
  • Evaluating your safety programs
  • Designing safety programs appropriate for your workplace
  • Specific recommendations to reduce losses
  • Helping to manage your overall risk
  • Assisting insurance companies in auditing potential clients
 
Why Safety? The answer is simple - we keep your overhead down and let you realize the savings. We provide a systematic approach with an old fashion friendly way of doing business.
 
 
 
The Legal Side of Disaster Preparedness for Businesses and Corporations

You have a liability policy of insurance for your company. But, have you considered whether it covers a failure of your company to plan for natural disasters or other critical events? What sort of liability might your company face if it fails to properly plan for such situations? Your company could conceivably be faced with any number of critical events, including a pandemic, a major weather event or natural disaster, a chemical spill or a terrorist attack.
 
Negligent failure to plan is an emerging area in the liability context. In this regard, the primary questions a company must ask itself in order to properly confront its risks are:  
 
  •  Has our company taken reasonable precautions to prevent a reasonably foreseeable critical event, which could take a significant toll on our work force or our customers? 
  • Are we prepared in such an event to respond with proper protective and palliative actions for individuals following a reasonably foreseeable critical event?
 
An employer might be considered negligent if it does not take reasonable steps to eliminate or diminish known or reasonably foreseeable risks that could cause harm. Repeated acts of terrorism on American soil are almost certain to occur in the future; this is no longer an unthinkable event. Reports of natural disasters seem to appear with increasing regularity. Corporations and governmental entities are reasonably expected to prepare for such foreseeable risks.
 
Be careful with summer driving! 
  
 One of the theme messages ASSE wants to get across at its national meeting this year is this sobering fact: 40 percent of all workplace fatalities are transportation related. More facts: 76 percent of those who die in transportation accidents are male; the holidays with the most fatalities are Thanksgiving, following by July 4, Memorial Day, Labor Day, New Year's Day and Christmas. Close to half of all fatal crashes involve alcohol abuse. The 25-34 age group records the most fatal crashes, followed by those age 45-54. Most of those drivers were speeding and most fatal crashes occur on rural roads. Please, with the increase in driving during the summer months, remember that the time saved by driving 80 MPH instead of 70 MPH is not worth the risk. Simply not that much time is saved. Don't be risk tolerant on the roads this summer.
 
Remember, We Are Always Looking for Referrals!

We will send you a small Thank You gift for each referral we receive. 

If we are not quoting your health insurance, you are paying to much.
 
We can save your business on average 20% to 40%.
 
Please call to find out exciting new details.
(586) 778-9900