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Thursday, January 31 2013

Staying Healthy During Flu Season

This winter's flu season is nearing its peak. The current virus has been more virulent than recent strains and has caused in a higher-than-average hospitalization rate. Precautions such as getting a flu shot and frequent hand washing will help keep you and your family healthy this season.  

Know What to Do About the Flu

The CDC suggests the single best way to prevent seasonal flu is to get a vaccination each year. Follow these

common sense suggestions from the CDC ( to help prevent the

spread of flu:

Avoid close contact

Stay home when you are sick

Cover your mouth and nose

Clean your hands

Avoid touching your eyes, nose or mouth

Practice other good health habits


You can contact the Centers for Disease Control and Prevention

24 hours/every day at (800-232-4636) TTY: (888)

232-6348, or e-mail

The information, examples and suggestions presented in this material have been developed from sources believed to be reliable, but they should not be construed as legal or other professional advice.

This material is for illustrative purposes only.

Posted by: AT 01:34 pm   |  Permalink   |  0 Comments  |  Email
Thursday, January 24 2013
Building Ordinance Coverage:
What's Your Responsibility? 

A building is covered for a limit of $1 million. The building was partially damaged (60%), in a fire. Local ordinances require upgrading to the current building code when damage or renovations exceed 25% of the building and also require the demolition of the undamaged portion of the building. In this case, the total cost for demolition, debris removal, and increased cost of reconstruction totaled $1.5 million. You do the math! What went wrong?
Building Ordinance Coverage
Building ordinance coverage provides three basic coverages:  A. loss to the undamaged portion of the building, B. demolition and removal of the undamaged portion of the building and C. any increased costs of repair or construction due to enforcement of building codes. This coverage needs to be added to the policy as the basic form provides minimal coverage for the enforcement of any ordinance or law.  The value of Building Ordinance Coverage is to provide coverage for these costs.
For more information please call or email Nickie Heath Insurance Agency and we will be happy to answer your questions.
Posted by: AT 01:58 pm   |  Permalink   |  0 Comments  |  Email
Wednesday, January 16 2013
Workers miss work because of back injuries more than any workplace injury. Once you have injured your
back, it becomes more susceptible to injury. Wear and tear on spinal discs and muscles can cause extreme
pain and disabling injury. The best way to avoid back injury is not to lift, but when it is practical use
mechanical devices to perform the lift. If you must lift, use good lifting mechanics.
􀃖 Look for opportunities to eliminate or minimize lifts or to make the lift safer. If you see something
that can be changed, make a suggestion to your manager.
􀃖 Store materials between shoulder and knuckle height, and ensure there is space to lift the item safely.
􀃖 Keep walkways clear to allow the use of material handling devices like carts and dollies.
􀃖 Deliver materials close to where they will be used.
􀃖 Split up large loads into smaller, lighter loads.
􀃖 Use a manual lifting or carrying device (like a dolly or hand truck). PUSH a load; this is easier on the
􀃖 Use a mechanical lifting device like a forklift.
􀃖 Use tools that minimize bending and reaching, like tools with longer handles or lift tables.
􀃖 Make sure walkways are kept clear to allow the use of material handling devices like carts and dollies.
􀃖 Maintain good housekeeping.
Posted by: AT 09:56 pm   |  Permalink   |  Email
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