How would a death or disabling injury affect your life? Your business? Your employees?
The distracted driving epidemic continues to wreak havoc on our nation’s highways. In 2016, the National Highway Traffic Safety Administration reported more than 2,000,000 injuries. Worse yet, they counted 37,461 deaths related to motor vehicle traffic crashes on U.S. roadways. The death toll is rising 5 – 8 percent annually and there is no end in sight.†
What are you doing to keep your employees safe? Such a significant number of these crashes are preventable, as our societal “need” to stay socially connected seems to have no boundaries.
We can all make a difference. Our mission at Federated Insurance is, “As a mutual insurance company, we believe our value is measured by the success of our clients. It’s Our Business to Protect Yours®.” We have seen this growing trend and its negative impact, and we are taking it seriously.
2015 Federated introduced and delivered The Point of No Return and Drive S.A.F.E. risk management materials to petroleum and petroleum transportation clients focusing on tanker rollover and driver behavior.
2016 Federated introduced and delivered Please Make It Home Safe and What’s Important to You? materials to clients and association partners to educate and offer resources on the epidemic of distracted driving.
2016 Federated partnered with the Minnesota Department of Public Safety and over 30 other Minnesota businesses to speak out against distracted driving during Distracted Driving Awareness Month in April.
2017 Federated introduced and delivered Drive S.A.F.E materials to all clients and association partners. Drive S.A.F.E. was implemented to raise awareness of the main factors (speed, attention, fatigue, emotion) that lead to car crashes, and specifically provide risk management techniques to address these alarming trends.
2017 Federated Insurance partnered with local NBC® Affiliate KARE 11 on their #EyesUp campaign to stop texting and driving by encouraging high school-aged drivers to pledge to not drive distracted.
We understand that changing the behavior of drivers is not a one-time effort, but a true cultural and behavioral shift. To help our business owners make an impact, we are introducing a Drive S.A.F.E.R (reinforce) initiativein 2018. The objective is to reinforce the Drive S.A.F.E. message with the additional employee training provided.
Nothing is more important behind the wheel than the task of driving. We hope you will join us in this effort to help protect those you love and work to eliminate distractions behind the wheel. They’re not called accidents anymore for a reason.
Federated’s Drive S.A.F.E.R initiative begins April 2018. Contact your local marketing representative for more information. To find your local representative, visit federatedinsurance.com.
†SOURCE: NHTSA. 2016 Quick Facts, DOT HS 812 451. October 2017.
How Long Can You Live Without a Paycheck?
Disability is more common than you think.
As long as you have the ability to earn an income, you are able to accumulate assets and provide for yourself and your family. But what would happen if you became disabled and could no longer work?
The odds of becoming disabled are compelling. Consider these statistics:
- More than 10% of Americans between the ages of 18 and 64 have a disability. 1
- Nearly 90% of disabilities aren’t work related and, therefore, don’t qualify for work-comp benefits. 2
- 100 million Americans are not protected by private disability insurance. 3
Owning a disability income insurance policy should be a necessity, like other insurance you have to protect other assets. For instance, you insure your home, car, and possessions — don’t neglect to protect the income that pays for them.
Disability insurance can help ensure that money will continue to come in the door to help pay your bills if a sickness or injury prevents you from performing the material and substantial duties of your regular occupation.
Contact your local Federated representative to discuss ways Federated can help you address the catastrophic impact of a disability as part of your overall insurance program.
1 U.S. Census Bureau, Selected Social Characteristics in the United States: 2009.
2 National Safety Council, Injury Facts, 2008 edition.
3 Council for Disability Awareness, Long-Term Disability Claims Review, 2005.