Apr 9, 2013 | 21st Century Business, Benefits, Business, Employment Practices, Healthcare, Insurance Carrier, Law, Local Events
We are pleased to invite you to Diversified Insurance’s Seminar Series, designed to help employers prepare for the upcoming Affordable Care Act (ACA) timelines. Our three part seminar series is not only designed to just teach you how the ACA will affect your business, but to also help you look at employee benefits in a new way.
Our first seminar, “Knowing the Rules”, is designed to help you deeply understand the impact the ACA will have on your company. Diversified is excited to host our nationally recognized, expert Compliance Director, Peter Marathas, Esq. to guide you through the new rules and regulations regarding the Affordable Care Act (ACA). We promise he will make a complicated subject entertaining!
Please click the LINK to learn more about these seminars and register for “Knowing the rules” for what is surely to be the best series you will attend.
Apr 2, 2013 | 21st Century Business, Risk Management
Edmunds.com is a great resource for all things related to cars. The editors at Edmunds.com spend
a lot of time behind the wheel and know how to drive. Just as importantly, they know how not to get in an accident. The advice below is from Edmunds.com and is great advice to help all of us avoid auto accidents, which in turn, helps lower our auto insurance premiums.
As automotive journalists, we at Edmunds.com tend to be a little more practiced on the road than the average driver. Not only is driving cars our job but we’re required to go to high-performance driving school every year “for insurance purposes.” So take it from us when we say we know a thing or two about how to avoid a car accident. We’re not talking about obvious tips your mom told you, like, “Look both ways before you enter an intersection” or “Don’t tailgate.” Rather, tips we’ve picked up in the field, interacting with L.A. drivers in particular, driving cross-country, and testing cars on the track.
1. Avoid the “fast lane.”
By using the center or right lane on multi-lane roads, you have more “escape routes” should a problem suddenly arise that requires you to quickly change lanes or pull onto the shoulder. Most highway accidents occur in the left lane. Furthermore, you are more conspicuous to highway patrol if you are in the “fast lane.”
2. Keep your eyes scanning the area ahead.
Don’t just eyeball the car in front of you but watch the traffic in front of that car as well. This increases your chance of seeing a problem while still having enough time to react to it, and decreases your chance of rear-ending the vehicle in front of you should they make a sudden stop.
3. Beware of blind spots.
Yes, adjust your side mirrors and rearview mirror to provide you with one near seamless panoramic scene of the view behind you, but don’t rely solely on them. Actually turn to look directly into the lanes beside you to avoid missing something left undetected by your mirrors. Also consider the blind spots for other drivers around you, especially truckers, and try to minimize the amount of time you spend in them.
4. Drive with your hands in the 9 and 3 o’clock position.
Instead of the lazy, typical way people drive with one hand at 12 o’clock or both hands resting at the bottom of the steering wheel, this recommended position facilitates maximum vehicle control when you’re forced into quick maneuvering to avoid a potential car accident.
5. Get racecar driver control of the wheel.
Another trick to maintain control of the wheel is to move your seat close enough to the steering wheel so that your wrist can rest on the top of the wheel with your arm outstretched and your back against the seat. This not only ensures your arms won’t easily fatigue but they’ll be in the optimum position for some last-minute evasive maneuvers.
6. Judge a driver by his/her car’s condition.
If a car’s condition indicates an inattentive owner because of body damage or dirty windows, it could easily suggest an inattentive driver, too. Also, drifting in the lane often identifies a tired, drunk or cell phone-preoccupied driver — so you should get away from that person.
7. Know your car’s limits.
After getting behind the wheel of everything from minivans to exotic sport cars, our editors know the performance limits of the cars they drive. Pay attention to how your particular vehicle reacts in certain situations — if the vehicle leans a lot when you’re rounding corners, this means that wrenching the wheel at high speeds to avoid an accident will be a scary proposition. It’s also key to be familiar with the limits of your car’s brakes and tires. How long does it take to stop when you apply maximum pressure? How much grip do your tires have? If you replaced your car’s stock tires with a cheap set, chances are you’ve reduced its braking and handling capability.
8. Keep your car in good shape.
At Edmunds, we stick to the manufacturer’s recommended maintenance schedule for our long-term cars. This ensures that they’ll accelerate, stop and steer when we need them to. Reconsider the wisdom of “getting another 1,000 miles out of old tires” — if you encounter an unexpectedly slick road, you may find yourself rubbing up against the guard rail.
9. The nighttime is not the right time.
Some people like to travel at night to avoid traffic, but with it comes certain hazards. In addition to your own increased fatigue and decreased field of vision, you need to be aware of joyriding teens and drivers who may be tired or drunk. Drive extra defensively around the witching hour, after midnight when some people are leaving bars, parties or sports arenas. And for goodness’ sake, don’t drive down a dark road with burned-out headlights or taillights.
10. Learn how to drive a racecar.
It may sound like a frivolous expense, but going to a high-performance driving school is one of the best ways to improve your skill as a driver. Here you’ll learn what it feels like to drive a car “at the limits” and have an opportunity to practice accident avoidance maneuvers and skid recovery in a safe, controlled environment. Understanding how to make your car do what you want it to do in emergency situations could save your life.
None of these are surefire ways to prevent a car accident. You can only control what you do behind the wheel, not what your fellow drivers do. But take responsibility when you drive and focus on the task at hand. It’s not a time to return phone calls or shave or log onto your e-mail. Take it from our editors: Driving isn’t a mindless activity, it’s an exercise in self-restraint, self-defense and self-preservation.
From Edmunds.com by Caroline Pardilla, Deputy Managing Editor. Click HERE for original article
Mar 26, 2013 | Risk Management
Diversified is holding a seminar on Cloud Computing next week at Diversified’s offices in Salt Lake City. Stephen F. Douglas, CSP, ARM, UL Recognized Risk Engineer, is Risk Control Director of CNA Technology and David Hallstrom, Underwriting Director, Information Risk at CNA, are the presenters for this seminar on Managing the Risks of Cloud Computing.
Increased use of cloud computing resources, SaaS solutions and the trend toward consumerization of IT have contributed to the complexity of enterprise software vendor relationships. At the same time the stakes have been raised related to the risks associated with security and availability of the data entrusted to IT systems. This paradigm shift is key to understanding and managing the future risks faced by Software and IT Services Providers and businesses that are heavily dependant on IT infrastructure and critical information exchange such as Financial Institutions and Healthcare providers During this session CNA Technology Risk Control and Underwriting professionals will examine the trends in the enterprise software environment, discuss increased risks related to security, privacy and interruption of IT services, and explore best practices for assessing and managing these risks in enterprise software vendor relationships.
- Overview of the Changing Landscape of Enterprises IT
- Security, Privacy and Availability Risks and Impacts
- Loss Prevention and Mitigation
- Risk Transfer and Insurance
When: Wednesday, April 3, 2013
Time: 9:00 a.m.—11:30 a.m.
Location: 136 E. South Temple St. #2300, Salt Lake City, Utah 84111
Please contact Kevin Jessop if you would like to attend the seminar
Mar 18, 2013 | Business, charity, Inspirational, Local Events, Social Media, Utah
Diversified Insurance Group loves Utah. The mountains, the desert, the people and the organizations that work so hard serving their communities all make our state an awesome place to live, play and work.
On March 22, 2013 we have the chance to do something remarkable for our state: raise as much money as possible for the organizations throughout Utah that make our communities vibrant. In every town cross Utah, people like us will be going online to loveUTgiveUT.org and giving to the charity or school of their choice.
It is 24 hours of unprecedented giving. It is a way to shape the future of our state. It is a way to join with thousands of others to stand together, for Utah. I hope each of us will take the time to give. On March 22, 2013, go online. Point. Click. Donate. Awesome!
How it works: All donations made on loveUTgiveUT.com are made to the Razoo Foundation, a 501(c)(3) tax-exempt organization which permits donors to advise a regranting of their donations to other IRS recognized qualifying 501(c)(3). The Razoo Foundation will regrant 95% of its contribution to the qualifying organization as advised by the donor, retaining 2.9% for Razoo Foundation fees and distributing 2.1% to The Community Foundation of Utah to cover a small portion of the event hosting costs.