Orlando Auto Shop Insurance: Airbags and Worker Safety

Orlando Auto Shop Insurance: Airbags and Worker Safety Orlando Auto Shop Insurance Airbags and Worker Safety

The Takata airbag crisis has created quite the stir among auto makers, dealers, mechanics and consumers alike. The recall has now been extended to over 14 million vehicles worldwide, which is putting strain on both manufacturers and mechanics who are trying to help repair and replace all affected or possibly affected airbags. On their own airbags are hazardous to auto shop workers and mechanics, however these particular airbags pose extra dangers.

The trouble with the Takata airbags has been linked to the recent addition of ammonium nitrate as the primary propellant in the bags. Ammonium nitrate is a commonly utilized compound across many different industry sectors for a vast variety of purposes, but has also been linked to many of the largest industrial calamities in the last few decades. When exposed to fluctuating temperatures and humidity, the compound changes its crystalline structure therefore causing the compound to become unstable and react differently when triggered than expected in a controlled lab. As such, the Takata airbag recall centers on the realization that air bags exposed to these conditions could see larger, more volatile, and uncontrolled detonation of these airbags with unpredictable effects.

Standard airbags fully deploy in less than a tenth of a second at a speed in excess of 200 miles per hour. As such, mechanics who work on airbag-equipped vehicles always face some risk exposure to serious injury or even fatality if proper airbag safety precautions are not strictly followed. The force of the deployment can break bones or cause fractures, strains, sprains and other musculoskeletal injuries to unsuspecting workers in an instant.   Those with the greatest risk of injury include radiator and AC technicians as their work brings them close to the various airbag sensors and components throughout the vehicle. Add the additional volatile nature of airbags on recall, and Orland shop workers could have a huge hazard on their hands.

Luckily, Orlando shop workers and managers can take several steps to reduce the risk of accidental airbag deployment during vehicle service. However, the risk of spontaneous or accidental deployment could exist in some cases, especially those involving malfunctioning or faulty airbag systems.

It is vital the Orlando auto shops have a well-established worker’s compensation program designed to protect their workers and their assets from the risks and dangers they face on the job. At Newman Crane, we can help Central Florida Auto Shop owners find a business insurance program that meets their needs. From Orlando auto shop worker’s comp to property and liability concerns, our experts can secure the coverage your operation needs to succeed. To learn more about our operation and our Orlando auto shop insurance programs, contact us today at (407) 859-3691.

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Orlando Auto Insurance: Drivers Enjoy Lower Gas Prices

Orlando Auto Insurance: Drivers Enjoy Lower Gas Prices Orlando Auto Insurance Drivers Enjoy Lower Gas Prices

Gas prices at several Central Florida stations dipped below $2 a gallon this week according to the Orlando Sentinel, as prices fuel prices continue to plummet around the country. According to AAA’s Florida division, the average price of a gallon of regular unleaded is just over $2 in Orlando which is a dramatic $1.39 drop from fuel prices at this time last year. What’s more, Orlando is not an anomaly; in fact these two dollar prices are on par with the average price of gasoline in America right now. Reports indicate the current gas prices are the lowest consumers have seen since 2009.

Crude oil prices are reportedly constant and OPEC leaders have vowed not to cut oil production in the coming months, which experts suggest could result in consumers continuing to pay less every time they fill up. The current market price for a 42 gallon barrel of oil is roughly half of what it was a year ago and even less than the prices from earlier this decade. Experts report that since there has been no major increase in fuel demand, and reserves remain high, it is likely that prices will remain low over the course of the next few months. However, they also project that fuel prices will rise in early spring and into summer as driver demand increases and  refineries halt production to switch to summer fuel blends, but most suggest that the prices will likely stay below $3 in the near future.

However, with gas prices falling, some state and local municipal legislators are calling for increased fuel taxes to compensate for revenue lost due to the waning pump prices. In most states taxes account for between 10 and 15 percent of the retail price of gas. These taxes help fund public work projects such as roadway repairs and transportation management services. Some officials are concerned that as gas prices drop, the amount state and local governments can collect on those purchases also falls, especially when fuel demand stays relatively the same.  It remains to be seen if Florida officials will seek to increase fuel taxes in response to the current gas prices and funding needs.

Regardless, lower gas prices are generally a positive for many Orlando drivers and business owners who feel a little more flexibility in their budgets without the burden of high fuel prices.

Everyone likes to save money, especially on their auto insurance. But as an Orlando motorist, it is important that you are properly insured whenever you hit the roads. Finding the right car insurance in Orlando FL can be tricky when trying to balance affordability with coverage. The Orlando auto insurance experts at Newman Crane can help your secure the coverage you need at prices you can afford. To learn more about our operation and all of our personal insurance solutions, contact us today at (407) 859-3691.

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Is Orlando Workers Comp an ”Exclusive Remedy”?

Is Orlando Workers Comp an ”Exclusive Remedy”? Is Orlando Workers Comp an ”Exclusive Remedy”

The Florida Supreme Court recently ruled on a worker’s compensation case which could have impacted the entire worker’s compensation system in the Sunshine State. The case, Morales v. Zenith Insurance Company, emerged when an employee of one of Zenith’s clients was fatally injured on the job and his widow sought compensation for the worker’s death and additional damages in civil court. After settling a worker’s comp claim with Zenith, the widow proceeded to pursue charges of negligence in an employment practices liability lawsuit against her husband’s employer for failure to protect its workers. She was awarded a settlement in that case as well however the judgment was contested on the grounds that the “exclusive remedy” clause prohibited the widow from pursuing additional compensation other than the workers comp claim settlement.

The case called to question the validity and stability of the “exclusive remedy” clause, which is one of the key provisions of the Worker’s compensation system.  The “exclusive remedy” clause dates back to the 1930’s and essentially establishes a compromise between workers and their employers regarding the terms of their employment and worker’s compensation agreement. Under the “exclusive remedy” clause employers agree to provide medical and wage-loss compensation, regardless of who is at fault for a workplace injury, in exchange for the injured workers forgoing their rights to sue for other damages in civil court. The case centered on whether or not the “exclusive remedy” clause protected Florida employers from employer liability claims which are an additional risk exposure for many businesses. Employer liability policies are generally triggered when a claim falls outside of the workers’ compensation law, such as when an employer or co-worker’s intentional act results in the injury or death of a worker, as alleged by the worker’s widow in this case.

In response, the Florida Supreme Court found that this provision does in fact bar employees or their beneficiaries from seeking additional damages in civil court, including those in other categories such as employment liability lawsuits. The judgment validates the contractual terms to which the insurer’s client agreed when they hired into their employment situation. In this case, the provisions of the worker’s compensation settlement agreement rightly stipulated that no additional compensation could be sought by the insured or their beneficiaries after claim settlement.

Protecting your workers is not only the law, it is also the right thing to do as an Orlando Employer, and the costs and ramifications of not doing so can be devastating. At Newman Crane Orlando Insurance Agency, we specialize in helping Florida contractors find the business insurance and risk management solutions they need to protect their employees and their assets. For example, our Orlando Workers Comp coverage will cover your employees in the event of a workplace injury or illness for lost wages, medical expenses, rehabilitation and more. If you are looking for quality Workers Compensation programs at affordable rates, contact us today at (407) 859-3691 to learn more how we can help your operation.

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Orlando Contractors Workers Comp: Call for Fall Prevention

Orlando Contractors Workers Comp: Call for Fall Prevention Orlando Contractors Workers Comp Call for Fall Prevention

A recent press release from the Occupational Safety and Health Administration (OSHA) reports the that four Massachusetts contractors will be facing some $110, 000 in fine and fees for failing to properly protect their workers. During work on an Easthampton, Massachusetts renovation project workers were exposed to potentially fatal falls of up to 40 feet because their employers failed to provide proper protection and safety infrastructure.

During their inspection of the worksite in July 2014, the OSHA found “several fall hazards” on the premises and little being to to mitigate these risks. OSHA reports that they observed no fall protection for employees working on the roof, unguarded floor holes, and insufficient anchorage for fall protection. Furthermore,  employees were reportedly untrained on how to recognize such hazards. Because of these conditions, the general contractor was reportedly cited for one willful, one repeat and three serious violations of workplace safety standards.

According to OSHA, falls are the leading cause of death in construction work and a huge contributor to workers comp injury claims. The Bureau of Labor Statistics falls, slips, and trips were the cause of 15 percent of all Florida workplace fatalities. To raise awareness of fall hazards and safeguards among workers, employers and the public, OSHA has created the Stop Falls internet portal which provides tips and essential information for  employers and workers on fall protection standards. The site offers fact sheets, posters and videos that vividly illustrate various fall hazards and appropriate preventive measures, available in both English and Spanish.

Protecting you workers is not only the law, it is also the right thing to do as an Orlando Employer, and the costs and ramifications of not doing so can be devastating. At Newman Crane Orlando Insurance Agency, we specialize in helping Orlando Contractors find the business insurance and risk management solutions they need to protect their employees and their assets. For example, our Orlando Contractors Workers Comp coverage will cover your employees in the event of a workplace injury or illness for lost wages, medical expenses, rehabilitation and more. If you are looking for quality Workers Compensation programs at affordable rates, contact us today at (407) 859-3691 to learn more how we can help your operation.

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Orlando Retailer Insurance: Why Online Reviews Matter

Orlando Retailer Insurance: Why Online Reviews Matter Orlando Retailer Insurance Why Online Reviews Matter

Consumer trust is one of the most important commodities for Orlando retailers, especially those with a substantial online presence. But generating that trust in the modern world can be challenging, especially for digital retailers who offer a significantly reduced sensory shopping experience. Unlike in traditional retail settings, online shoppers don’t have the luxury of picking up the product, smelling it, feeling it and otherwise experiencing it with their own senses. Instead these consumers are forced to rely on detailed descriptions and take the retailer’s word for about the condition and quality of a purchase. So what can Orlando Retailers do to help ease their consumer’s minds?

Many recent studies have shown that genuine online reviews from customers are a good way to build consumer trust in both your establishment and the products that you as a retailer. According to research group Influence Central, over 90 percent of consumers questioned in a survey indicated that an online review is “more important than input from a salesperson.” Furthermore, 88 percent of consumers revealed that online reviews are very influential when purchasing a new product from a brand with which they are not familiar.

While this may tempt retailers to manufacture their own reviews, consider the following before spending a few hours supplementing your two star ratings with five star feedbacks. According to the Influence Central report, 97 percent of consumers claim to be able to tell almost all of the time the credibility of a posted review, and know when such posts are “fluff” for the retailer themselves. Consumers are looking for credible feedback from buyers they can identify with to bolster their trust in online retailers. As such, encouraging your customers to review products and purchases online can be a huge benefit for Orlando retailers.

At Newman Crane, we specialize in helping Orlando retailers succeed by offering quality business insurance and risk management services. Whether your Orlando Retailer Insurance needs include property and liability coverage or workers compensation, we can help protect your operation, your employees and your assets. To learn more about our operation and all of our business solutions for Orlando retailers, contact us today (407) 859-3691.

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Does Orlando Contractors Liability Cover Building Defects?

Does Orlando Contractors Liability Cover Building Defects?  Does Orlando Contractors Liability Cover Building Defects

The debate over whether or not general liability covers construction defects is one of the most polarizing in the insurance industry. For years, contractors have sought reimbursement from their insurers for legal fees, settlements and other costs of faulty building claims only to have their insurance providers argue that defects are not coverable “occurrences” under and Commercial General Liability (CGL) policy. However, in the last few years, local and state courts have seen increasing number of construction default cases and disputes from contractors seeking legal intervention.

Standard general liability insurance policies provide coverage for many incidents and allegations of property damage caused by what many commercial policies define as an “occurrence.” As such, the term “occurrence” is generally defined as an accidental exposure to harmful conditions. For example should a contractor’s equipment accidentally damage a homeowner’s property not associated with the job at hand, general liability would help cover the contractor’s expenses to replace or reimburse the homeowners for their damaged property. The situation above was clearly an accidental damage of the homeowner’s property, however construction defects have historically been seen by insurance providers as a fault in the job performance of the contractor and would therefore not be covered by general liability. However, courts are increasingly concluding that defective construction is in fact an accidental occurrence and would therefore qualify as a protected peril under a contractor’s general liability policy.

The Supreme Court of Florida, along with the courts of Alaska, Wisconsin, South Dakota, Mississippi, Georgia, Texas, Tennessee, Indiana, South Carolina, Minnesota and Kansas have ruled and maintain that construction defects are in fact insurable occurrences under a contractor’s general liability coverage. A few states including Colorado, Arkansas, Hawaii and more have even passed legislative statutes that mandate that construction defects be viewed as and included as covered perils for contractors in their general liability policy.

Even still the debate can be lengthy and resource consuming, which is why having strong coverage is a huge benefit for any Florida contractor. When it comes to protecting yourself against allegations of contractor default, there are a number of options available to Orlando contractors. At Newman Crane, we specialize in helping Central Florida contractors find complete business insurance solutions at affordable rates. Our Construction insurance programs are designed to help contractors minimize their losses and protect their assets. We offer general liability, professional liability and many other Orlando Contractors Liability solutions. We invite you to contact us today at to learn more about our policies and see for yourself why Newman Crane is one of the primer insurance companies in Orlando.

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