Bouchard Insurance 5K | A Record-Breaking Event

On May 5th, 2018, we held the 3rd Annual Bouchard Insurance 5K in Safety Harbor, FL. This year’s race hosted 525 runners, which more than doubled last year’s event size.

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All proceeds from this event benefit the Gramatica Family Foundation and their mission to build mortgage-free homes for combat wounded veterans in the Tampa Bay area. The past home recipients are very involved in the foundation and both attend and participate in our events. This year Justin and Charles were kind enough, along with Martin Gramatica, to distribute awards to our age group winners post-race.

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Overall winners were Steve Wilcox with a time of 17:16 for the men, and Gretchen Ranson with a time of 20:07 for the women.

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Because of the support of our runners and volunteers, and the generosity of our sponsors, we raised a record-breaking $20,000 for the Gramatica Family Foundation. A check was presented at our company-wide communications meeting on Friday, July 13.

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We can’t thank you enough for all your support and have some exciting news to share with you soon about next year’s event!


About The Author

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Tori McGee is the Brand Manager for Bouchard Insurance. Tori's team is responsible for the presentation of the agency in the communities we serve through digital marketing, community partnerships, graphic design, and events. | Connect on LinkedIn

Your Employee Got Hurt On The Job... What Now?

There are always questions in an employer’s head when an employee gets hurt on the job. Do we need to send the employee to the hospital? Do we need to send them to the clinic? Did the employee actually get hurt on the job?  Do I need to record this on my OSHA log?

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These are all fair questions, and there is no silver bullet answer to any of them. All of these questions depend on the circumstances surrounding the injury. But, one of the most cut and dry questions an employer can answer is: do I need to record this on my OSHA log? Many companies feel the best way to avoid hefty OSHA fines is to record all of their injuries, similarly to how a company should report their Workers Compensation claims. However, the requirements for OSHA are much different than insurance companies. For some larger companies who have several claims a day, recording every minor incident to OSHA can be quite a hassle and not exactly great for the image of the company either.

The general guideline for OSHA recordability is that an employer must record an injury when it requires treatment beyond first aid. But, even this definition can be misconstrued because “first aid” is a fairly vague term. “First Aid” by OSHA’s guidelines even includes having an employee get an x-ray as a pre-caution to rule out a fractured bone, as long as the result is negative. In some people’s eyes, getting an x-ray performed would be considered beyond first aid.

So, how is an employer supposed to know when exactly to record injuries to OSHA? Well, there are a few tools we have found that can help tremendously. One very simple solution is to contact OSHA or your Workers Compensation clinic for a “Guide to OSHA Recordability” sheet that lays out the guidelines of First Aid vs Medical Treatment.

Even better than that, there are new software tools available that can help businesses with OSHA recordability as well. ZyWave, for example, is a software tool that we offer to our clients for no additional charge because we see the true value that it offers. Under the “OSHA” section of ZyWave, there is an “OSHA Recordability” tab which, when clicked, will start up a program that will run the employer through a few simple questions. How the injury happened, what treatment was given, etc. After a few questions, this program will tell the employer whether or not this incident needs to be recorded for OSHA or not. If the incident needs to be recorded, the employer can then choose to take the information given by the employer in the previous questions to begin automatically completing an online OSHA 300 Log, which the client can then access at any time in the future.
 
In addition to determining if an injury is beyond “First-Aid” or not, recording severe injuries in a timely manner is one of the MOST important parts that employers must be conscious of. An employee hospitalization, amputation, or eye loss on the job must be reported within 24 hours to OSHA. And, any work-related fatality must be reported within 8 hours.


About the Author

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Eric McCaugherty is a Sales Executive at Bouchard Insurance. Eric specializes in Property & Casualty, Workers’ Compensation, and Health Benefits for large commercial accounts in the construction industry. | Connect on LinkedIn

What Happens to Your Automobile During a Storm?

Hurricane season is in full swing. As an insurance advisor, it is my responsibility to educate my clients so they feel confident in their insurance coverages when a storm arises. It’s easy for someone to look at insurance as an afterthought, without realizing the potential impact it could have on someone.  Every year we see these disastrous storms do life-altering damages – and we need to be ready.

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Hurricane preparedness is a popular topic in the media and cannot be stressed enough.  Instead of focusing on how to prepare for a hurricane, this article is meant to educate you on the coverages that are significant when it comes to being as protected as possible in the event of a storm.

To most people, the primary concern during a hurricane is protecting your home.  Although wind and flood coverages are crucial, other insurance policies are often overlooked.  Have you ever wondered what would happen to your vehicle if it floods or if the wind blows a tree on it? Even though this can happen in the blink of an eye, not many people worry about whether or not their auto is fully insured in regard to a storm.

Did you know that an estimated 500,000 vehicles were destroyed in the Houston area alone during Hurricane Harvey?  This seems unreal; however, it happened and with little warning.

Flood

Flooding is a major concern with hurricanes.  Since automobiles are usually parked in flood prone areas, it’s important to know what line of insurance will cover your auto if it floods: auto insurance or flood insurance?  You might be surprised to find out that your auto insurance will cover the flood loss if you carry physical damage.  Comprehensive coverage is not automatically included into your auto policy; however, it should be added.  Make sure to double check with your insurance advisor to see if you have this coverage.

Falling Objects

With hurricanes come falling trees, telephone lines and poles, roof collapses, etc.  If your vehicle is parked in your garage, does your homeowner’s or auto policy cover it if the roof collapses? In this example, your auto policy will still cover the loss if you carry comprehensive and collision coverages.  The same goes for any other falling object, such as a tree or pole. 

Evacuating

When you are forced to evacuate, it’s an extremely stressful time.  People are on a mission to get out of the area fast.  Driving out of town becomes extremely dangerous due to the amount of people on the road.  Make sure to look over your liability and uninsured motorist’s coverage to make sure you have enough in case an accident occurs.

Hurricanes are unpredictable and can change paths at any time.  Before you are forced to evacuate or decide to “hunker down” for a storm, review your auto insurance with your advisor.  Not only will this give you confidence that your auto will be covered for physical damage, but will also give you peace of mind.


About The Author

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Abbey Bouchard, a Client Advisor in the Private Client division of Bouchard, specializes in high net worth personal insurance that focuses on affluent individuals with more complex insurance portfolios and exposures. As a third generation Bouchard working for Bouchard Insurance, Abbey’s purpose is to continually better serve the affluent client base by promoting exemplary service and always putting the client first. | Connect on LinkedIn

Summer Safety Tips

The rising temperatures during the summer make it a perfect time to enjoy the outdoors with friends and family. However, you should keep these safety tips in mind so you can focus on having fun.

Photo by petrenkod/iStock / Getty Images

Fireworks

Read and follow the manufacturer's instructions when using fireworks, and keep them away from children at all times.

Swimming

Talk with local officials or lifeguards before swimming to make sure water conditions are safe.

Grilling

Make sure grills are constantly monitored and placed at least 3 feet away from all other objects. 

Heat and Sun Safety

Protect your skin from the sun by applying sunscreen regularly, and by wearing clothing with tightly woven fabrics, a hat, and sunglasses.

Insect Bites and Allergies

Use waterproof insect repellants to prevent insect bites. Also, consider taking over-the-counter medicates to alleviate any allergy symptoms.

Stay Hydrated

Keep in mind that exposure to the sun makes it easy to get dehydrated. Make sure to drink some water every 15 minutes, even if you aren't thirsty.

Enjoy your fun in the sun, and keep safety in mind! From all of us at Bouchard, we hope you have a wonderful summer.


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Jennifer Mills is the Personal Lines Manager at Bouchard Insurance. Jennifer's team focuses on focuses on protecting individual's assets through all lines of personal insurance. | Connect on Linked In

Protect Your Every Day

“Protect Your Every Day” is no longer just a slogan. It’s turning into a way of life now, not by choice mind you, but rather by necessity. I learned many years ago that it’s a waste of time to worry about, or fixate on things over which I have no control.  I need to spend time on understanding how certain events potentially affect or impact me and my family, what parts I may have some control over, and then determine what I need to do to protect us from any harm.

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“If You See Something, Say Something” is built on a foundation of educating ourselves to recognize and report suspicious activity or behaviors that look out-of-place within our current environment.

Suspicious activity can consist of suspicious behavior or a suspicious situation. Examples of suspicious activity would include:

  • Seeing an unattended backpack in a densely-populated common area or public place
  • Seeing a person attempt to break into a secure or restricted area
  • Recognizing a behavior that a person may find indicative of criminal activity or terrorism.
  • Noticing unusual items or situations like a vehicle in a place where vehicles don’t normally belong, an unattended package in an abnormal location, windows/doors are open but should be (or are normally) locked.
  • Having someone ask you a lot of questions about your building, such as” What do you do in there? What time do you all leave? Do you have security? What kind?”  Or, noticing a person taking a lot of pictures from different angles may warrant having law enforcement check them out.

In the next post, I’ll share more easy-to-remember tips and indicators of suspicious activities that may warrant you making a call.

Until then… B-Aware! B-Safe!


About the author

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Jim Raley is a Loss Control Consultant at Bouchard Insurance. Jim specializes in helping clients reduce loss exposures by evaluating their safety management systems, conducting research, data analysis, and providing guidance intended to improve their risk profile. | Connect on LinkedIn