One of the messiest and most costly homeowner repairs is fixing a burst, frozen pipe. Water from a burst pipe can cause damage to carpeting, short out electrical appliances and ruin furniture. Luckily, there are several ways to protect your home:
- Keep the heat in your house at a minimum of 50° F.
- Allow faucets to drip slightly, which can alleviate pressure in the piping system.
- Keep interior doors open. This allows heat from the rest of your house to spread, keeping your pipes warm.
- Seal any cracks and holes found near your pipes. This can help keep cold air out of your home.
- Add extra insulation to your pipes. Experts recommend fitting your pipes with foam rubber or fiberglass sleeves.
Water expands as it freezes and puts significant pressure on the metal or plastic pipes that hold it. If you fail to take the proper precautions, your pipes can easily fail during a cold winter, which can be incredibly costly to repair.
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Cold and flu season is upon us, and many people will begin experiencing symptoms like sore throats, runny noses, coughs, fevers or muscle aches. While a trip to the doctor is important and can help you recover quickly, there are a number of supplemental home care strategies that can help you further recuperate.
The following are some remedies to try:
- Take aspirin or ibuprofen to relieve symptoms, such as a headache, muscle ache and fever.
- Get plenty of rest.
- Drink lots of fluids.
- Use a humidifier or take a hot shower to relieve a headache, cough or congestion.
- Place a warm washcloth over your eyes to ease sinus pressure and congestion.
While home remedies can help relieve cold and flu symptoms, they aren’t useful for everyone. Children and the elderly should see a doctor if they begin to feel sick to avoid more serious health complications.
Specifically, individuals should seek immediate care if they experience any of the following:
- Chest pain when breathing
- A sore throat lasting more than 48 hours
- Yellow or green nasal discharge that is accompanied by severe facial pain or a relentless headache
- Persistent pain in your abdomen or rectum
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Businesses host parties for a variety of reasons, including the holidays and organizational accomplishments. While these events are fun, team-building opportunities, they can create a number of risks for the hosting company. In fact, in the event that an employee is injured at the party or causes property damage, the employer is usually the one held responsible. This can lead to costly litigation and reputational harm that can affect a company for years.
To avoid major losses, it’s not only important for employers to secure the right insurance coverage for every individual risk, but to also have a thorough understanding of common holiday party exposures.
Alcohol
Anytime you provide alcohol to individuals in a non-commercial manner, you are considered a social host. This is important to note, as a social host may be responsible for the acts of their guests should their conduct create harm. These risks are compounded when alcohol is served, and employers may be liable for damages following a drunken driving accident or similar incident.
While the best way to reduce alcohol liability risks is to avoid serving it altogether, this isn’t always feasible. To promote the safety of your employees and guests at company-sponsored events, consider the following:
- Hold the event off-site at a restaurant or hotel.
- Provide plenty of food and non-alcoholic beverages throughout the night.
- Serve drinks to guests rather than offering a self-serve bar. Limit the amount of alcohol you will serve. Require servers to measure spirits.
- Set up bar stations instead of having servers circulate the room. Place table tents at each bar that remind employees and guests to drink responsibly.
- Don’t price alcohol too low, as it encourages overconsumption. Offer a range of low-alcohol and alcohol-free drinks at no charge.
- Close the bar an hour before the scheduled end of the party. Do not offer a “last call,” as this promotes rapid consumption.
- Entice guests to take advantage of safe transportation options by subsidizing taxis or promoting a designated driver program.
Marijuana Consumption
Similar to alcohol use, marijuana and other drug consumption can directly affect the safety of your party guests. In fact, according to the most recent federal data, 44 percent of vehicle crash deaths can be linked to drug-impaired driving, up from 28 percent a decade earlier.
Marijuana contains hundreds of chemicals, many of which act directly on the body and brain. Individual sensitivity to marijuana can vary, but the general effects include the following:
- Dizziness, drowsiness, light-headedness, fatigue and headaches
- Impaired memory, concentration and ability to make decisions
- Disorientation and confusion
- Suspiciousness, nervousness, anxiety, paranoia and hallucinations
- Impaired motor skills and perception
- Dry mouth, throat irritation and coughing
- Increased heartbeat
These health effects can last long after an employee smoked, increasing the potential for accidents or major health concerns. In addition, federal, state and local laws may prohibit marijuana use in certain areas, making it all the more important to educate employees on behavior expectations.
To keep your party guests safe and avoid any liability concerns, consider making clear rules for marijuana use at your party. Remind employees that even though they are at a social event, they are still attending a work function and workplace policies on the use of marijuana still apply.
Workplace Harassment and Discrimination
Even when holding company-sponsored events off-site, employers are expected to enforce their workplace policies and safeguard their employees. In particular, employers must pay extra care to prevent issues of harassment and discrimination at their events, as they can lead to employment claims and costly litigation.
To help keep employees safe at company parties, employers should ensure all of their policies related to harassment, violence, discrimination and code of conduct are up to date and account for company-sponsored events. Policies should be specific as to what is and is not tolerated, and redistributed them as thoroughly as possible.
In addition, employers should:
- Consider making the event a family party where employees can bring their spouse, significant other, children or a friend. This can help deter inappropriate behavior.
- Keep event themes and decorations appropriate. Parties should be neutral and not make reference to specific religions or beliefs. In addition, plan your party on a day that does not conflict with religious holidays.
- Consider having just one entrance to your party. This will allow you to control who enters the venue and ensure that uninvited guests do not attended.
- Have supervisors and managers chaperone the event, looking closely for inappropriate behavior. Hire third-party security personnel as needed.
- Avoid making attendance for company-sponsored events mandatory.
Food Exposures
Food is a staple of many company-sponsored events, and can actually be a useful way to keep party guest sober and limit alcohol-related liability (starchy foods can help reduce the absorption of alcohol). However, when serving food, there are a number of risks employers should consider.
For instance, employers need to be wary of potential food allergies. In the event that a guest gets sick from the food, they could sue the employer for negligence.
To help protect against this, employers should ask party guests to disclose any of their allergies, either in their RSVP or by contacting the event coordinator directly. In addition, you should specify what ingredients are in every food item, both on the menu and on display cards near the food itself.
For added protection against illnesses, it’s critical that employers promote safe food preparation and handling practices. Moreover, when working with a third-party provider, employers should do their due diligence to ensure they are securing reputable vendors.
Property Damage
Property damage can occur at just about any kind of party, even small, company-sponsored events. As the host, it’s your job to ensure your guests remain safe, behave appropriately and respect the venue and its contents.
To do so, employers should:
- Set behavior expectations before the party.
- Have supervisors and managers chaperone the event, looking closely for inappropriate behavior. Hire third-party security personnel as needed.
- Remove valuable items from the party area wherever possible. Make sure any areas that you don’t want guests to enter are locked, roped off or secured in some way.
- Review your liability insurance and know what it covers.
- Ensure the venue is equipped to handle the number of individuals invited to the party.
Secure the Coverage You Need in Advance
Even if you take all the appropriate precautions, incidents can still occur. As such, it’s important for all organizations to secure adequate insurance.
Each business is different, and may require additional policies to account for all of their exposures. Contact Scurich Insurance today to learn about your coverage options when it comes to hosting a party.
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Workplace stress is a common aspect of employment, particularly if you often find yourself with a heavy workload. While it may not be possible to completely eliminate stress, it’s critical to manage it effectively.
One way to reduce workplace stress is through time management. Proper time management methods allow you to complete pressing tasks efficiently and allocate enough resources to finish future projects as well.
The following time management tips can help you reduce workplace stress caused by heavy workloads:
- Complete the most important tasks first.
- Learn how to say no to projects that aren’t time sensitive or fall outside of your responsibilities.
- Get plenty of rest so you are productive during the workday.
- Eliminate distractions and focus on the task at hand.
- Get an early start on upcoming projects whenever possible.
- Stay organized.
- Budget time between tasks to address any issues and to prepare for upcoming projects.
If workplace stress persists, it may be a good idea to speak with your supervisor. They will be able to provide ways to help limit your workload and improve your situation.
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Public Wi-Fi allows your team to stay connected on the go. You have to be careful, though, because public Wi-Fi is notoriously unsecure. Cybercriminals could also log into the free network you use and access data on your devices, such as your login information or confidential client files. Exercise caution and stay safe in several ways as you use your laptop, tablet or smartphone on public Wi-Fi networks.
Verify the Network Name
Before logging in, research the network. Only log into Wi-Fi that originates from a legitimate source as you avoid a man-in-the-middle attack. For example, cybercriminals may name their network “Free Wi-Fi” or mimic the establishment’s name as a way to attract users. Ask the barista, librarian or other staff member to verify the name of their public Wi-Fi network before you log in.
Turn off File Sharing
Your team relies on file sharing, but this feature is lucrative for cybercriminals, too. That’s why you want to turn off file sharing when you use public Wi-Fi. This step protects your files and data you don’t want criminals to access.
Use a VPN
A virtual private network (VPN) encrypts data as it travels between your device and the server. Research free and paid VPN options, then add one to your devices for protection when you need it on the go.
Check for HTTPS
If you see a lock symbol and HTTPS in front of the website address in the status bar, you’re browsing a secure site. You can also use an HTTPS extension for extra protection.
Enable Two-Factor Authentication
With two-factor authentication, you add an extra layer of protection to your online browsing. Even if cybercriminals gain access to your password, they probably cannot get into your account since they need to enter a unique authentication code also.
Update Software
Browser and software patches can improve security. Make it a habit to install these patches when you’re connected to a trusted network. Never update software when you’re connected to public Wi-Fi.
Forget the Network
After your public Wi-Fi session ends, log off all the websites you were signed into and tell your device to forget the network. This step prevents cybercriminals from connecting to your device automatically the next time you’re in the network area.
Limit your Activity
It’s tempting to think that cybercrime couldn’t happen to you or that you can afford to be careless because you have cybercrime and business liability insurance. However, always use caution. Save sensitive or confidential work for when you’re on a trusted network.
Your company may utilize public Wi-Fi often to stay connected and get work done. Encourage your employees to use caution and follow these steps as they stay safe.
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On Sept. 28, 2018, Facebook announced that nearly 50 million user accounts were compromised in a data breach. The breach, which can be traced back to July 2017, is one of the largest in the company’s 14-year history.
While investigations are ongoing, the company said hackers exploited a software vulnerability in Facebook’s "View As" feature to steal access tokens and gain control of user accounts. Access tokens are effectively digital keys to specific accounts, and stealing them allows attackers to view private posts or compose status updates without the knowledge of the affected user.
In addition, the attack allowed the hackers to see anything that users can see on their own profile, including the names and birth dates of friends and family members. Such information could be used in future phishing attacks.
In response to the attack, Facebook reset 90 million logins automatically, fixed the software vulnerability and informed law enforcement officials. While the company says that users do not need to change their passwords, individuals experiencing login issues should navigate to Facebook’s Help Center.
As a safety precaution, users are encouraged to log in and out of all of their accounts on every device. Users can see all of the devices they’re currently signed into here.
To learn more about the breach, read Facebook’s official blog post.
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