The right insurance from day one®

Search Our Site

As of January 1, 2015, the Occupational Safety and Health Administration (OSHA) has required employers to report severe work-related injuries—such as hospitalizations, amputations or eye loss—with 24 hours of the incident. During the first full year the requirement was in effect, U.S. employers reported 10,388 severe injuries. This included 7,636 hospitalizations and 2,644 amputations.

The industry that reported the largest number of severe injuries was manufacturing, which accounted for 26 percent of hospitalizations and 57 percent of amputations. Employers in the construction industry reported 19 percent of the hospitalizations and 10 percent of the amputations. Transportation and warehousing had the third largest number of hospitalizations (11 percent), while retail trade and wholesale trade each accounted for 5 percent of the reported amputations. You can review a complete list of severe injuries reported by individual industry

In real estate, the ‘closing’ is the final step in the home buying and financing process. It generally involves legal forms (and often representatives) from the title insurance and escrow companies, your mortgage lender, your real estate agent, the seller and seller’s real estate agent, and—in some states—both parties’ attorneys. During the closing, you’ll sign various loan and real estate transfer documents as well as pay any outstanding closing costs that you haven’t rolled into your mortgage.

A 401(k) plan is a retirement savings plan that is established by an employer for eligible employees. Employees who participate in the 401(k) plan can make contributions to their accounts with both pre- and post-tax dollars—up the annual limits set by the Internal Revenue Service (IRS). Employers can also contribute funds to their employees’ accounts, and many will ‘match’ the deposits their employees make up to a certain amount.

UFOs are a daily danger for construction workers, though we’re not talking about visitors from other planets. According to the Occupational Safety and Health Administration (OSHA),
73 construction workers were killed after being “struck by objects” in 2014. In fact, it’s the third most common cause of death on construction job sites (following falls and electrocutions) and includes unexpected falling objects as well as unexpected flying objects, or UFOs.

How do these UFO injuries occur? In some cases, tools may be accidentally dropped off of scaffolding or roofs and strike other workers below. Objects being hoisted to upper levels of buildings during the construction process can break free and plummet to the ground. Haphazardly stored materials may topple over, and errant nails fired from nail guns can strike unprotected workers as well.


500 East Main St.
Suite 200
Branford, CT 06405


Friday: 8am-4:30pm


FAX 203-483-1891