All Posts tagged Risk Management

Insurance for Propane and Fuel Oil Dealers

Insurance for Propane and Fuel Oil Dealers

Propane and fuel oil dealers face innate risks daily. Their ordinary operations involve multiple phases that carry dangers. The right insurance is paramount to protecting workers, companies, and the public. As seen on, some specialized insurance businesses focus on reducing risk for fuel oil dealers.

Who Needs Propane and Fuel Oil Dealers Insurance?

Many types of companies benefit from this type of specialized coverage.

  • Diesel sellers
  • Propane sellers and distributors
  • Fuel oil sellers and distributors
  • Fuel and service stations, including convenience stores

As the needs of this industry are unique, the best insurance policies should include novel, proactive risk management, and litigation strategies.

What Does Insurance Cover?

Look for policies from reputable insurance specialists that provide a variety of coverage options.

  • Workers’ Compensation
  • Excess Liability
  • Inland Marine
  • General Liability
  • Property
  • Vehicles

Customizable policies let you choose the coverage that applies to your particular needs in all business phases, from storage to transportation.

The Benefits of Good Coverage

When you choose insurance designed specifically for propane and fuel oil dealers, you can breathe easier. Affordable options let you choose the protection you need. By taking the financial liability out of this intrinsically risky industry, you can focus on doing your job well and reducing risks overall for workers and those living nearby.


Bed Bugs and Risk Management for Assisted Living Facilities

One concern involving assisted living facilities is the infestation of bed bugs from one single resident. In fact, bed bugs are becoming increasingly common in senior living communities due to their ability to travel easily from a resident’s previous home. In a group living arrangement, it is not simply the number of residents that compounds the likelihood of infestation, but the nature of these facilities that group interaction is often recommended, encouraged or even required as a form of therapy or as a measure of success.

Once in your community, these bugs can multiply and spread quickly, wreaking havoc throughout the building and affecting the well being of residents and staff. As part of your risk management for assisted living facilities, you must be prepared for infestations and know how to manage the problem efficiently and effectively. By recognizing signs of bed bug infestations and how to reduce the chances of one striking your community you’ll gain an understanding of how bed bug infestations occur and be able to build a risk management plan for dealing with this pest.

Bedbug tips for Senior Resident Housing:

The smaller and closer the living quarters, the more likely your residents may face the problem of bed bugs. If you do get bed bugs, it can be very costly both financially and emotionally. Here are some tips:

  • Before moving a new resident in, have someone check the room (specifically problem areas like mattress and box spring seams) and look for brownish red spotting, shed bed bug skins, eggs, etc.
  • Check to ensure that the place is clean and uncluttered  (more clutter means a greater chance of bed bugs)
  • Facility management should encase the mattresses, box springs, and pillows
  • Make use of an anti-bedbug laundry bag, especially if the laundry is done communally
  • Use metal (instead of wood) bed boards to make it more difficult for bed bugs to climb up

Being proactive in dealing with this issue will allow you to maintain a bug-free living facility and provide your residents with a comfortable place to live. Your efforts at maintaining a risk management plan for assisted living facilities will save you from costly extermination fees and business interruption.