Middle Market Workers' Compensation
Many of State Auto's business customers are eligible to include workers' compensation coverage as part of your overall insurance package with the commercial property, auto, and liability policies. Businesses we insure for workers' compensation Our specialized workers' compensation claims model is designed to help injured workers get back to health and productivity quickly. We specialize in helping workers manage recovery from soft-tissue injuries that otherwise may result in a longer time
The risk of product liability when importing foreign manufacturing materials
Foreign importing can be a viable option for many manufacturing operations. But, there are some unique exposures associated with this practice. Both manufacturers and distributors in the U.S. need to know the added risk of importing materials.The good news - businesses that take steps up front to manage risk can have success with foreign importing. The big problem with foreign importing is product liability. To truly understand the risk of foreign importing, you need to review product liability
After an auto accident
Knowing what to do if you're involved in an accident can save lives and also make the claims process easier: Stop your car and find out if anyone is injured. Call the police or highway patrol. Tell them how many people were hurt and the types of injuries. The police will notify the nearest medical unit. Cover injured people with a blanket to keep them warm. Try to protect the accident scene. Take reasonable steps to protect your car from further damage, such as setting up flares, getting
Avoiding car theft when you get a ride home
Getting a ride - whether it's with a friend, a taxi or a ride-sharing service - sometimes means leaving your car overnight in a public location. The National Insurance Crime Bureau (NICB) recommends that drivers follow four "layers of protection" to guard against vehicle theft: 1. Use common sense. You're probably already planning to remove your keys from the ignition (we hope so) and lock your doors and windows. The windows, especially, can be easily overlooked when you're with a group of
State Auto Text Message Program Terms and Conditions
State Auto Text Message Program Terms and Conditions State Automobile Mutual Insurance Company and each of its affiliates and subsidiaries (collectively referred to as “State Auto”) offers a subscription text message program (“Program”). Our Program allows you to subscribe to receive text messages about your insurance policy, billing, claims, weather alerts, marketing and other insurance topics. Please review our Text Message Program Terms and Conditions (“Terms and Conditions”) to learn more
The major dangers of dust in manufacturing
When you hear about workers' comp claims, do you automatically think of people getting hurt by falling? Or maybe you think of injuries from equipment. These are both certainly scary realities, especially in the manufacturing industry. But our experience in risk management reflects the fact that illness caused by dust inhalation is just as serious. If you're serious about protecting the health and safety of your workers, you have to get up-to-speed on dust exposure. Dust exposure is inherent
Managing one of the biggest risks in food distribution
Food distributors are the middle link in the food supply chain. They buy food and food products in very large quantities from manufacturers or processors at a discounted price, and then they sell smaller quantities at a higher price. This solves the problem of getting food from the people who make it to the people who sell it. Food distributors can get products out to a much broader outlet than the manufacturer or processor could handle. Food distributors are the middle link. We pay a lot of
The critical difference between product recall and withdrawal insurance coverages
No manufacturer ever wants to have a product recall or withdrawal. But, these situations are a reality of the manufacturing industry. This was on my mind a lot recently, when one of my freezer staples was recalled. As an insurance professional, this was more for me than simply the irritation and concern about one of my favorite, go-to frozen foods. My mind quickly went down the path of insurance ramifications. I knew that for the manufacturer of my favorite freezer items, there was a lot
What if a customer falls in your store?
I've never met a store owner who wanted someone to get hurt while shopping at their business. The thought of a customer falling for any reason is enough to make most proprietors shudder. Much worse, imagine someone falls and gets hurt, and then puts the blame on you. That's enough to keep any business owner up at night. If you're building a successful retail business, you're probably thinking a lot about the experience customers have when they visit your store. You want them to have a positive
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