From the Office of Marty Walt

27
Aug

Slip and Fall Accidents Are No Laughing Matter

Written by Marty Walt.

Slip-and-FallA slip and fall accident may be amusing in slapstick comedy, but in reality it's no joke. Slips and falls are the third leading cause of injury to customers and employees every year. It's estimated that workers' compensation and medical expenses associated with slip and fall accidents costs American businesses $70 billion annually, according to the National Safety Council.

The causes of slip and fall accidents are varied, ranging from wet or greasy floors, clutter and debris, to uneven surfaces, improper cleaning, lack of hazard identification and, in a small number of cases, fraud. And yet, slips and falls are the most preventable accidents to occur in the workplace...

20
Aug

Is your dryer a hazard?

Written by Marty Walt.

dryer-fireAn estimated 2,900 clothes dryer fires in residential buildings are reported to U.S. fire departments each year and cause an estimated $35 million in property losses, according to a new government report.

The report by the U.S. Fire Administration (USFA) said that 84 percent of clothes dryer fires took place in residential buildings.

Also, according to the report:

23
Jul

Protect Your Business with Workers Compensation Insurance

Written by Amanda DiSilvestro.

workers comp insuranceEvery startup company needs to prepare for the worst. Even if you are an experienced entrepreneur, a lot of things can go wrong the first year of a company. One of the most important considerations is of course the safety of your employees, so it is important that your company has workers compensation insurance. This will help put you and your employees' minds at ease in case there is ever a workplace emergency.

For those who are unfamiliar, workers compensation insurance is put in place to make sure that an employee will be covered should they get injured on the job. Many startup companies assume that workers compensation insurance is only really necessary for dangerous industries such as construction. However, this is not the case. According to The Bureau of Labor Statistics, "nearly 3.1 million people in the US suffered a non-fatal workplace injury or illness last year. This equates to about 3.5 cases per 100 full-time workers." Common workers compensation claims include trips and slips, vehicle accidents, and electrical hazards—things that can happen in just about any workplace.

16
Jul

14 tips to save money and get the right insurance coverage for your business

Written by Marty Walt.

  • insurance policyPremiums for fire, casualty and burglary insurance on business property are all deductible for tax purposes as trade or business expenses. If a business taxpayer has a self-insurance plan, however, all payments into the self-insurance reserve will not be tax-deductible for purposes; the actual losses incurred by the taxpayer would be the deductions.
  • Premiums for life-insurance are tax-deductible. But premiums paid on a policy covering the life of an officer, employee or other key person are not deductible if the business is a direct or indirect beneficiary under the policy. Premiums paid on a life insurance policy of which the business is a beneficiary are not deductible, since life-insurance proceeds would not have to be included in taxable income when received by the company.

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