Posts by Christopher Giannetti
Commercial Auto Woes Persist for U.S. Insurance Industry
The U.S. insurance industry’s struggles with commercial auto insurance show no signs of easing, as first-half 2024 results reveal continued deterioration despite 13 years of consistent quarterly price hikes, according to a new AM Best report. “While U.S. commercial lines have generally performed well, especially in 2022 and 2023, driven by strong underwriting in workers’…
Read MoreCommercial P&C Prices Up 5.1% in Q3, Umbrella Leading the Pack
Commercial property and casualty insurance premiums rose by an average of 5.1% in Q3 2024, with umbrella pricing showing an uptick amid rate moderation in most other lines, according to the Council of Insurance Agents & Brokers (CIAB). Market conditions for Q3 held steady from the previous quarter, CIAB noted in its latest report, with…
Read MoreNational Impaired Driving Prevention Month
December Is National Impaired Driving Prevention Month Celebrate safely during the upcoming holiday season by talking about the risks of impaired driving and setting clear expectations for drivers. Parents and Caregivers Can Promote Responsible Decision-making The National Highway Traffic Safety Administration (NHTSA) encourages parents and caregivers to set clear boundaries with young drivers. Impaired driving,…
Read MoreAvoiding Cutting Hazards in the Kitchen
Working in the food service industry can be rewarding, but it also comes with its fair share of risks. One of the most common hazards in any kitchen is the potential for cuts while handling knives, chopping vegetables, or cleaning up. Fortunately, there are several precautions you can take to reduce your risk of injury…
Read MoreDoes My Credit Score Affect My Car Insurance Rates?
Many drivers don’t realize how much their credit score can impact car insurance premiums. In most states, insurers use your credit score to help determine your rates, and even a small change in your score can lead to significant fluctuations in your premium. However, three states—California, Massachusetts, and Hawaii—have banned the use of credit scores…
Read MoreNOAA Winter Forecast 2024-25: Expect a Wetter North and a Drier South
As winter approaches, the National Oceanic and Atmospheric Administration (NOAA) has released its U.S. winter outlook for December 2024 through February 2025. Driven by La Niña conditions, this season’s forecast anticipates marked weather patterns, with wetter-than-average conditions expected in the northern regions and a drier, warmer outlook for the South. What is La Niña, and…
Read MoreSafety Tips for Holiday Meal Prep
Getting together with friends and family can be the best part of the holiday season. However, as you start planning for Thanksgiving dinner and other gatherings, you must keep yourself and your guests safe. Even if you consider yourself an expert chef and know every nook and cranny of your kitchen, you should remain mindful…
Read MoreSurvey Highlights Americans’ Struggle with Prescription Drug Costs
A recent survey by the Pharmaceutical Research and Manufacturers of America (PhRMA) sheds light on a significant issue: many Americans, even those with health insurance, are struggling to afford prescription medications. The Patient Experience Survey revealed that over half of insured Americans (51%) cannot accurately predict their prescription costs, while a sizable 38% reported rising out-of-pocket expenses…
Read MoreUnderstanding OSHA’s Proposed Heat Injury and Illness Prevention Standard
The Occupational Safety and Health Administration (OSHA) has recently taken a significant step towards enhancing workplace safety by publishing a notice of proposed rulemaking in the Federal Register regarding heat injury and illness prevention. If finalized, this new standard would represent the first federal regulation specifically aimed at safeguarding workers from extreme heat, affecting all…
Read MoreHow to Ensure You’re Covered for Trick-or-Treat Night
As the leaves change color and the air turns crisp, it’s that time of year again—Halloween! For many families, this spooky holiday means dressing up in costumes, decorating homes, and, most importantly, trick-or-treating. While Halloween is all about fun and festivities, it’s crucial to remember that safety and preparation are just as important. One key…
Read More