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MANAGING CONSTRUCTION CONTRACTS MAKE SURE YOUR NEXT CONSTRUCTION CONTRACT IS WRITTEN TO REDUCE YOUR RISKS. The Buck’s Got Your Back® PREPARE: START YOUR RISK MANAGEMENT PLAN LONG BEFORE NEGOTIATING A CONTRACT Risk management is a systematic process for cost-effectively managing your company’s resources and activities to achieve your objectives. It involves organizing, planning, [...]

1 See how our equipment and property coverage stacks up. Every tool and piece of equipment your business depends on is your responsibility. But even your shiniest new investment can be stolen or damaged unexpectedly. From hammers to cranes, whether owned by you or a trusted subcontractor, rented or borrowed, on-site or in transit, review the chart below to see how we can help you [...]

Protect your construction clients from cyber attacks so they’re focused on building, not on rebuilding. Flexible, comprehensive coverage against an ever-expanding list of cyber threats. Our CyberChoice suite of products offers core first-party and liability coverages to ensure that when disaster strikes, businesses are prepared. There’s also our Ransomware Mitigation Suite, [...]

TRANSPORTATION COST WORKSHEET FOR THE DRIVER Excerpted from “We Need to Talk ... Family Conversations With Older Drivers,” The Hartford Center for Mature Market Excellence. © 2019 The Hartford. All rights reserved. All information herein is as of May 2018. Owning and operating a vehicle can be more expensive than you think! By writing down your actual expenses, you can get an idea of [...]

As a group, older drivers are relatively safe. But for some, a decline in skills may result in concerns about safety—an issue that may impact the driver as well as their loved ones. The Hartford Center for Mature Market Excellence conducted a national survey* exploring family conversations about driving safety. FAMILY CONVERSATIONS WITH OLDER DRIVERS For more information and a [...]

PICKLEBALL RULES & OVERVIEW BASIC PICKLEBALL RULES The sever starts the game from the right side of the court, serving underarm to the opposite receiver box on the other side. The ball must clear the no volley zone line and must bounce once before the receiver can return the ball back across the net. The highlighted section is called the ‘non volley zone’. A player cannot hit the [...]

1 The Hartford Success Stories Life Sciences Flexible Life Sciences Elite The Hartford Life Sciences Elite is a next- generation integrated offering that combines four critical coverages – product and professional liability, human clinical trial liability, errors and omissions liability and cyber liability – in one form to help address gaps between different exposures. [...]

CONSTRUCTION | RISK ENGINEERING NECK • Start with your head facing forward. • Turn your head slowly to one side as far as comfortable. • Then turn to the other side. • Repeat five times. SHOULDER CIRCLES • Slowly move your shoulders in a circular motion: upward, forward, downward and backward for forward circles. • Reverse the direction for backward circles. • Repeat [...]

Learn more. Contact your Risk Engineering consultant from The Hartford or visit us at TheHartford.com/riskengineering The information provided in these materials is intended to be general and advisory in nature. It shall not be considered legal advice. The Hartford does not warrant that the implementation of any view or recommendation contained herein will: (i) result in the elimination [...]

RISK ENGINEERING continued SUBSTANCE ABUSE AND EMPLOYEE BEHAVIOR According to the National Safety Council (NSC), nearly 75% of all adult illicit drug users are employed, as are most binge and heavy alcohol users. Studies show that when compared with non-substance abusers, substance-abusing employees are more likely to: • Change jobs frequently • Be late to or absent from work • Be [...]