Two Kids Dead Because of Extreme Heat and Neglect

July 17, 2013

The National Weather Service has recently issued severe weather warnings for much of the United States due to excessive heat and humidity. High temperatures and extreme humidity will push the heat index to well over 100 degrees throughout most of the country.

Unfortunately, these extremely hot conditions have already caused fatalities. A mother in Maryland has been arraigned after leaving her two kids - aged 20 months and 3 months - in a sweltering car for seven

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Possible Jail Time for Teachers that Didn't Report Abuse

May 06, 2013

Did you know it’s against the law to not report child abuse? Three school administers in Tennessee learned this lesson the hard way and were arrested and indicted for failing to report abuse perpetrated by one child against others. They face a maximum penalty of up to one year in jail for not reporting the incident to proper

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Ask the Experts: How Much Does Child Care Insurance Cost?

April 25, 2013

Imagine you’re shopping for new tires for your car. You have the choice between budget tires that cost much less, but have been reported to underperform in rainy or snowy conditions, and tires that are relatively more expensive, but have great safety ratings. If you live in a place where it rains or snows often, you might find it worthwhile to

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Injured Diver Neglected by Texting Lifeguard

January 18, 2012

A post from David Nagel, a West Bend Loss Prevention representative: Last week while at my son’s diving sectional I witnessed a female diver sprain her ankle as she was coming down on the board during her very first dive. When she came up to the surface of the water she was struggling and could barely swim to the

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5 Avoidable Deaths at the Indiana State Fair

August 16, 2011

A large concert stage collapsed under the pressure of 70mph winds at the Indiana State Fair this past Saturday. Reports have indicated that at least five people have died and dozens more have been injured. According to a TIME Magazine article on the tragic events, AccuWeather had issued a warning of high wind gusts more than 15 minutes before the stage collapsed.

Fifteen minutes almost definitely would have been enough time to clear the concert area of the 12,000+ people waiting for the concert to begin. If organizers did, in fact, receive warnings from the National Weather Service or AccuWeather, they would have been forced to make a difficult decision. They could either

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SportWaiver.com: A Must-Follow Resource for Sports Orgs

August 10, 2011

When visiting with customers, West Bend's loss prevention representatives almost always discuss the importance of using a well-drafted waiver (or exculpatory agreement). These waivers protect businesses from claims arising from negligence, and help reduce litigation expenses, and, in turn, insurance premiums.

While many business owners and nonprofit executives may recognize the benefits of having a strong waiver, the large majority of organizations we visit have exculpatory agreements that would almost definitely

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Who Knows Best: Doctor or Lifeguard?

April 15, 2011

A drowning tragedy that took place in the Bahamas earlier this week is raising questions about the response of the waterpark's lifeguards. We encourage you to read more about the circumstances leading up to the drowning, but in short, an unresponsive five-year-old girl was pulled from the water by a waterpark guest. Another guest, who happened to be a registered nurse, immediately began providing rescue breathing. Shortly thereafter, an emergency room doctor

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The Insurance Implications of Compression-Only CPR

July 29, 2010

Major changes are taking place in the way the general public is introduced to CPR. WebMD and NPR are just a handful of news and information sources preaching the benefits of compression-only CPR.

Compression-only CPR is catching on across the country for a few reasons. For starters, the time it takes to get trained in compression-only CPR is only a fraction of what full CPR classes require. Removing the time barrier makes it much easier to train a large percentage of potential responders. The second benefit is

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