Taylor Agency Staff

Football, Alcohol, and the Night Shift

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It’s football season, and that means that many employees come to work after watching the game with buddies. They come to stock shelves, to work late holiday hours and just to man their normal night shifts. But what about those who come to work after an afternoon or evening of football and alcohol?

Employees working while under the influence of alcohol are a major concern for employers. Here are several steps recommended by the U.S. Department of Labor to handle an employee who is suspected of being intoxicated on the job.

1. Escort the employee to a private area to inquire about the behavior.
2. If possible, call in another supervisor or manager who can serve as a reliable witness.
3. Inform the employee of your concerns and get his/her explanation.
4. Notify senior management.
5. Based upon the employee’s response, place the employee on suspension until a formal investigation is conducted.
6. Arrange for the employee to be escorted home.
It is important to proceed with caution and to document any actions you take. And remember, if the employee is in no shape to work, he or she is in no condition to drive.

Source: US Department of Labor’s elaws®

YOUR HURRICANE TASKS: Assess. Report. Document. Prevent.

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Even though Hurricane Matthew is past us, your work is not done. This article contains critical information/links that you need right now. We are currently in the ASSESS, REPORT, DOCUMENT, and PREVENT stages after Hurricane Matthew.

 

“LEARN what to expect. PREPARE yourself and family. Travel to SAFETY. WAIT patiently for a safe return. ASSESS any losses. REPORT your claim. DOCUMENT everything with receipts and pictures. PREVENT any further loss while waiting for your claim.”

 

LEARN
-The Expected Level of Destruction from a Hurricane (CAT 1 to CAT 5)- http://www.nhc.noaa.gov/aboutsshws.php

-Locate and Understand your Flood Zone – https://www.floodsmart.gov/floodsmart/

PREPARE
-DOWNLOAD the FEMA Hurricane/Flood Smart Phone App – https://www.fema.gov/mobile-app

-How to Prepare for a Hurricane – http://www.nhc.noaa.gov/prepare/ready.php

SAFETY & WAIT
-Evacuation Live 5 Local News Updates – http://www.live5news.com/

ASSESS
-How to Recover from a Hurricane – https://www.epa.gov/natural-disasters/hurricanes

-Emergency Damage Control Tips: Water – https://tayloragency.com/emergency-damage-control-tips-water/

-Assessing Flood Damage – https://tayloragency.com/recovering-after-a-flood/

REPORT & DOCUMENT
-Claims/Disaster Recovery Specific for You, Our Client – https://tayloragency.com/client-services/claims-payments/

PREVENT
-Emergency Damage Control Tips: Water – https://tayloragency.com/emergency-damage-control-tips-water/

CRITICAL: Hurricane Matthew Readiness

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As Hurricane Matthew approaches now with potential 100+ mph winds, 8 ft surges, and 1+ ft flooding, you need to be proactively prepared. Open this article for the critical information/links that you need right now.

LEARN what to expect. PREPARE yourself and family. Travel to SAFETY. WAIT patiently for a safe return. ASSESS any losses. REPORT your claim. DOCUMENT everything with receipts and pictures. PREVENT any further loss while waiting for your claim.

LEARN
-The Expected Level of Destruction from a CAT 4 Hurricane – http://www.nhc.noaa.gov/aboutsshws.php

-Locate and Understand your Flood Zone – https://www.floodsmart.gov/floodsmart/

PREPARE
-DOWNLOAD the FEMA Hurricane/Flood Smart Phone App – https://www.fema.gov/mobile-app

-How to Prepare for a Hurricane – http://www.nhc.noaa.gov/prepare/ready.php

SAFETY & WAIT
-Evacuation Live 5 Local News Updates – http://www.live5news.com/

ASSESS
-How to Recover from a Hurricane – https://www.epa.gov/natural-disasters/hurricanes

-Emergency Damage Control Tips: Water – https://tayloragency.com/emergency-damage-control-tips-water/

-Assessing Flood Damage – https://tayloragency.com/recovering-after-a-flood/

REPORT & DOCUMENT
-Claims/Disaster Recovery Specific for You, Our Client – https://tayloragency.com/client-services/claims-payments/

PREVENT
-Emergency Damage Control Tips: Water – https://tayloragency.com/emergency-damage-control-tips-water/

 

Flood Awareness – FEMA Mobile App

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September is National Preparedness Month, and the Federal Emergency Management Agency (FEMA) has launched a mobile device app that will notify Americans with weather alerts, safety tips, how to prepare for an emergency, and it will even list shelters that are open in your area. With South Carolina having just endured hurricane Hermine, remember that we are still in hurricane season until November 30th, so if you are in a high flood zone area and/or coastal county, this is the app you should keep on your phone. Our tip to you: Receiving early notification is critical to how well you can prepare for the future.

 

RECOVERING AFTER A FLOOD

From the National Flood Insurance Program (NFIP) website: www.floodsmart.gov

The Road to Recovery

As soon as floodwater levels have dropped, it’s time to start the recovery process. Here’s what you can do to begin restoring your home.
•If your home has suffered damage, call your insurance agent to file a claim.
•Check for structural damage before re-entering your home to avoid being trapped in a building collapse.
•Take photos of any floodwater in your home and save any damaged personal property.
•Make a list of damaged or lost items and include their purchase date and value with receipts, and place with the inventory you took prior to the flood. Some damaged items may require disposal, so keep photographs of these items.
•Keep power off until an electrician has inspected your system for safety.
•Boil water for drinking and food preparation until authorities tell you that your water supply is safe.
•Prevent mold by removing wet contents immediately.
•Wear gloves and boots to clean and disinfect. Wet items should be cleaned with a pine-oil cleanser and bleach, completely dried, and monitored for several days for any fungal growth and odors.

LEARN HOW TO FILE A FLOOD CLAIM>>

Recovering After A Flood

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From the National Flood Insurance Program (NFIP) website: www.floodsmart.gov

The Road to Recovery

As soon as floodwater levels have dropped, it’s time to start the recovery process. Here’s what you can do to begin restoring your home.
•If your home has suffered damage, call your insurance agent to file a claim.
•Check for structural damage before re-entering your home to avoid being trapped in a building collapse.
•Take photos of any floodwater in your home and save any damaged personal property.
•Make a list of damaged or lost items and include their purchase date and value with receipts, and place with the inventory you took prior to the flood. Some damaged items may require disposal, so keep photographs of these items.
•Keep power off until an electrician has inspected your system for safety.
•Boil water for drinking and food preparation until authorities tell you that your water supply is safe.
•Prevent mold by removing wet contents immediately.
•Wear gloves and boots to clean and disinfect. Wet items should be cleaned with a pine-oil cleanser and bleach, completely dried, and monitored for several days for any fungal growth and odors.

LEARN HOW TO FILE A FLOOD CLAIM>>

Umbrellas in Sunny August

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“Do not be angry with the rain; it simply does not know how to fall upwards.”
― Vladimir Nabokov

Conceptually speaking, your ordinary wire canvased umbrella is an extremely well designed tool for protecting you on rainy days, and that is exactly why the insurance industry coined the word when naming what is known as umbrella insurance. Characteristically, umbrella insurance adds an additional layer of liability protection to your existing insurance, and as its name suggests, an umbrella policy can even guard against insurance gaps that your primary insurance will never cover.

Quite frankly, when it rains, it pours, and when it pours, an umbrella policy shields you against the financial burden of exhaustive lawsuits. As your underlying liability limits run out of funds, all of your hard earned assets are now at risk for becoming financial fodder to pay legal settlements. This includes your car, your house, any retirement accounts, vacation/rental homes, watercrafts, any businesses, and it even includes the future income you intend to earn from your assets. So when considering what is really at risk, an umbrella policy becomes an extraordinarily powerful financial planning tool to ensure that your investments are there for you in the future.

At Taylor Agency, we understand what “rain” insurance can do for you, and we want you to know it is available for you. According to the TrustedChoice© Independent Agent website, the standard $1 million to $2 million protection offered by an umbrella policy costs an average of $380 per year. From our perspective, that qualifies as the cheapest lawyer you will ever retain, so let us put our professional insurance agents on your team and see what real value we can offer you in protecting your financial future.

-Taylor Agency

As a TrustedChoice© Independent Insurance Agent, we pledge that you are a person and not a policy. Call us and experience the difference. If you would like to learn more about umbrella insurance online, visit the trusted choice website here.