Peabody Insurance Blog


The Key to Managing Workers’ Compensation Premiums.. the Six Point Plan.

Jun 15, 2020

In an effort to control insurance premiums more and more business are shopping for the "best rate". Money does talk but finding the solution to increasing premiums will speak louder long term. The solution to controlling insurance costs is simply to control the amount of claims. At Peabody Insurance Agency, we focus on helping you understand your exposure to loss and how to effectively plan and manage loss control efforts. We are dedicated to assist you in developing long-term solutions to control the exposures affecting you and your employees. Management Commitment & E... Read more...

Take Precautions to Prevent Heat Illness on the Jobsite

May 28, 2020

Working outside, you know that the weather can have an impact on your day. Hot weather, especially when combined with strenuous physical labor, can cause your body temperature to rise to unsafe levels. Normally, your body cools itself through sweating, but in hot and humid weather, sweating is not enough and the result can be a dangerous heat illness. Staying Cool Follow the suggestions below to stay cool when working in hot weather: Wear loose, light-colored clothing when possible, along with a hard hat. Take short breaks to rest in the shade. If wearing outer protective ge... Read more...

Guide to Creating a Return to Work Action Plan

May 26, 2020

The coronavirus (COVID-19) pandemic has interrupted many businesses across the country. While it’s unclear how long COVID-19 will continue to affect organizations, many employers are looking to the future of employees returning to work. Echoing the sentiments of public health officials, a return to normalcy won’t be like flipping a switch, but rather a gradual effort. In preparation for reopening your business and asking employees to come back to work, it’s imperative that your company thoughtfully constructs a return to work action plan for its employees to keep everyone ... Read more...

Spring Home Maintenance Tips

Apr 09, 2020

Spring Home Maintenance Tips It’s a welcome time of year following a long winter, but springtime brings a new set of responsibilities that you should be aware of in order to keep your home in good shape. Consider these home maintenance tips as you gear up for spring: Check your gutters—Inspect gutters or downspouts to ensure the spring rains will be properly drained away from your home to avoid flooding or water damage. Inspect the roof—Check your roof for any signs of warping, cracking or loose shingles or tiles. Inspect any flashing around chimneys, skylight... Read more...

Small Business Guidance & Loans

Apr 08, 2020

The U.S. Small Business Administration (“SBA”) is working directly with state governors to provide targeted, low-interest loans to small businesses and nonprofits that have been severely impacted by the coronavirus disease (COVID-19). This document will serve as an overview of SBA resources that provide small businesses with working capital loans that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. The SBA’s goal is to be available to assist small businesses with accessing federal resources and ... Read more...

Manage Cost of Risk, Control Price

Apr 07, 2020

Every facet of your organization impacts your cost of risk. Regardless of the type of business you run, many find it difficult to quantify their true cost of risk because it includes both pure and speculative risk. The impact negative publicity would have on your revenue is much harder to calculate than insurance premiums or lost productivity due to equipment downtime. But both qualitative and quantitative analysis is important, your total cost of risk is synonymous with price-the price of your risk management program. Peabody Insurance Agency takes a total cost of risk approach by tailori... Read more...

How Coronavirus Could Impact Your Business’s Insurance

Mar 18, 2020

Download Our COVID-19 Checklist HERE The new coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organizations and individuals across the globe. As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also disrupting business operations and creating insurance exposures. In fact, COVID-19 has already led to business interruptions, supply chain issues and significant liability concerns—all of which can open policyholders up to claims. As such, it’s important for companies to ... Read more...

Driving Safely with Pets

Mar 18, 2020

There are a number of reasons why you may need to take your pet for a ride in your car. You could be going on vacation, taking the pet to the vet or simply going for a short ride to run errands. However, failing to take the proper precautions to secure pets during car rides can jeopardize the well-being of both animals and passengers alike. To ensure your pets are safe during car rides, keep in mind the following: Keep dogs and cats in carriers when possible. When pets are allowed to roam around a vehicle, they can distract drivers and potentially cause an accident. Carriers should have... Read more...

Protecting Workers From Coronavirus

Mar 18, 2020

What Is Coronavirus? According to the World Health Organization (WHO), coronavirus is a family of viruses that cause illnesses ranging from the common cold to more severe diseases. Common signs of infection include headache, fever, cough, sore throat, runny nose and breathing difficulties. In more severe cases, infection can cause pneumonia, severe acute respiratory syndrome, kidney failure and even death. Individuals who are elderly or pregnant, and anyone with preexisting medical conditions are at the greatest risk of becoming seriously ill from coronaviruses. How Does Coronavirus Sprea... Read more...

Eating Healthy Doesn’t Have to Be Expensive

Mar 18, 2020

Make a weekly meal plan. Before you go to the store, think about what meals and snacks you want for the week. Read recipes thoroughly so you can make an accurate list of everything you need, reducing the risk that you’ll have to run back to the store later in the week. Create a list—and stick to it. Make a detailed list of what you need to buy before you go to the store. When you get to the store, don’t buy anything besides what’s on the list. Plan where you’re going to shop. Many grocery stores run sales or offer coupons for various healthy fo... Read more...

Help Your Employees Fight Distracted Driving

Oct 29, 2019

Every business owner wants to see that employees get safely to the jobsite or that cargo or products are safely delivered to their customers. Every year, distracted driving becomes a bigger barrier in the way of that goal. The primary task of anyone behind the steering wheel of a car or truck is to safely control that vehicle on and off the highway. All too often we see a news report that starts with something like, “This morning’s fatal auto accident on the inbound expressway was caused when a distracted driver…” Driver distraction is anything that diverts... Read more...

Avoid Winter Slip-ups

Oct 28, 2019

Injuries resulting from slips and falls can be devastating. And colder temperatures bring especially hazardous conditions. Prevention Education is essential in preventing winter weather-related injuries. Consider the following recommendations to prevent slip and fall injuries during the winter months: Wear the proper footwear that provides traction on snow and ice. Footwear should be made of anti-slip material; avoid plastic and leather-soled shoes or boots. Exercise caution when entering and exiting vehicles, and use the vehicle for balance and support. Try to walk onl... Read more...

Take Time for Chimney Maintenance

Oct 24, 2019

Lighting a fire on a cold, winter night is a wonderful way to stay warm and toasty. In spite of the ambiance and relaxation that a fireplace provides, there are also inherent fire dangers. To combat the risk of fire or inhalation of dangerous carbon monoxide (CO) gas, it is important for you to make chimney maintenance part of your home loss prevention plan.  Types of Chimneys There are two types of chimneys that require specific maintenance to minimize the dangers in your home. Fireplace inserts (hearth stoves)—Vent should be connected to the flue of the chimney. T... Read more...

2019 Most Frequently Cited OSHA Standards

Oct 24, 2019

The 2019 top 10 list of most frequently cited standards didn’t change significantly from 2018, with fall protection violations staying on top of the list. In fact, the only change is in the order two of the standards rank. Read below to learn more details on the top 10 most cited OSHA standards. Top 10 OSHA Violations Fall Protection (29 CFR 1926.501) Identifying fall hazards and finding the best way to protect workers should be your first step when improving safety in the workplace. Some potential solutions can include guardrails, safety nets and personal fall prot... Read more...

8 Items for Your Autumn Home Project List

Oct 03, 2019

Steps you take this fall to maintain your home can keep you warm this winter and protect your property from loss. As you take advantage of fall weather to work on projects around your home, pay special attention to these potential trouble spots: Clean out your gutters. Remove leaves and other debris from your gutters first by hand to get rid of the large particles, and then with a scraping tool and water hose before cold weather arrives. This helps to prevent overflows and ice damming. Ice dams are caused when snow melts on a heated part of the roof, then refreezes on a colder po... Read more...

Tips On Avoiding Heat Illness

Jul 22, 2019

Avoid Heat Illness When it is hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself through sweating. However, in hot and humid weather, sweating is not enough and the result can be a heat illness. Staying Cool Follow the suggestions below to stay cool when working in hot weather: Wear loose, light-colored clothing and some type of hat. Adapt to working in hot conditions gradually, especially if performing strenuous tasks. Take breaks in the shade when possible, and remove any outer protective gear you may be wearing. Avoid ... Read more...

Peabody Insurance Awarded MyCity Magazine’s 2019 City’s Choice Award

Jul 22, 2019

Peabody Insurance is proud to once again win the My City Magazine’s 2019 City’s Choice Award for the Insurance Agency category. The 2019 City’s Choice Award winners were announced in June after over 18,000 votes were cast. Peabody Insurance was pleased to learn that we were selected by voters to be the 2019 City’s Choice Award winner for the Insurance Agency category, repeating our win from 2018. Awards such as the My City Magazine City’s Choice Awards matter because it is our community acknowledging and supporting local businesses in the greater Flint area. P... Read more...