# The Insurance Market: Est 1900

Generated by Yoast SEO v28.4, this is an llms.txt file, meant for consumption by LLMs.

## Pages
- [Landing Page](https://insurancechoices.com/)
- [Media](https://insurancechoices.com/media/)
- [Risk Academy Videos](https://insurancechoices.com/risk-academy-videos/)
- [Office Space Available](https://insurancechoices.com/office-space-available/)
- [Personal](https://insurancechoices.com/personal/)

## Risk Academy
- [Preventing Costly Claims and Navigating OSHA Visits](https://insurancechoices.com/risk-academy/preventing-costly-claims-and-navigating-osha-visits/): Identify the most common claim types employers face and the preventable factors that often lead to costly outcomes\.
Understand what to expect during an OSHA inspection and how employer actions can either reduce or escalate exposure\.
Equip employers with practical, proactive steps to strengthen preparedness, improve response, and reduce future risk\.
- [Employee Handbooks 101](https://insurancechoices.com/risk-academy/employee-handbooks-101/): Why employee handbooks matter from a risk management perspective and how they protect your business beyond basic compliance\.
Key policies every handbook should include and common gaps that create exposure for employers\.
How to ensure your handbook aligns with federal and state laws while still reflecting your company's culture and operations\.
Best practices for implementation, communication, and consistent enforcement to avoid claims and employee relations issues\.
- [Active Shooter Prevention](https://insurancechoices.com/risk-academy/active-shooter-prevention/): Steps you can take to prepare for an active shooter situation utilizing ZeroEyes Technology and Active Shooter Insurance Program \(ASIP\)\. Before, During \& After: What you can do now to prepare for an active shooter situation\. What is ZeroEyes and how can it help your organization? What is Active Shooter Insurance Program \(ASIP\) and why do we need it now more than ever? Live Demo of ZeroEyes technology in action\.
- [Bosses Control Losses](https://insurancechoices.com/risk-academy/bosses-prevent-losses/): What is Loss Control? Why is it important to you? How can it reduce your commercial P\&C exposures? How does an underwriter translate inspections to premium? Learn how to implement Loss Control procedures to secure better rates in a hard market\.
- [Delaware's Paid Family Leave \- Update](https://insurancechoices.com/risk-academy/delawares-paid-family-leave-update/): Delaware’s Paid Family Leave program is quickly approaching the benefits stage, bringing new responsibilities for employers\. From complex compliance requirements and employee notifications to managing leave approvals, this session will outline what’s ahead\.

## newsletters
- [Summertime Severe Weather Safety: Lightning](https://insurancechoices.com/newsletter/summertime-severe-weather-safety-lightning/): The weather can change quickly during the summer months, sometimes catching outdoor workers off guard and posing a serious threat to their safety\. When working outdoors, make sure you have access to severe weather alerts, and know what—and what not—to do if severe weather strikes\.
- [Determining Worker Classification: Employee or Independent Contractor?](https://insurancechoices.com/newsletter/determining-worker-classification-employee-or-independent-contractor/): Hiring an independent contractor offers employers many advantages\. Employers do not pay taxes on independent contractors’ wages, nor are they expected to provide benefits as they must with traditional employees\. Employers often save 30% to 40% on labor costs by using independent contractors\. Since independent contractors are usually hired for a specific period or project, employers have no obligation to rehire them after each contract period or project is complete\. However, employers must be cautious when classifying workers as independent contractors; misclassifying an employee as an independent contractor can have serious financial and legal consequences\.
- [Retaliation](https://insurancechoices.com/newsletter/retaliation/): An employer may not fire, demote, harass or otherwise retaliate against an individual for filing a charge of discrimination, participating in a discrimination proceeding or otherwise opposing discrimination\. The same laws that prohibit discrimination based on race, color, sex, religion, national origin, age and disability, as well as wage differences between men and women performing substantially equal work, also prohibit retaliation against individuals who oppose unlawful discrimination or participate in an employment discrimination proceeding\.
- [Delaware Sexual Harassment](https://insurancechoices.com/newsletter/delaware-sexual-harassment/): Delaware employers with 4 or more employees are generally covered by the state’s new sexual harassment law\. The following chart explains the law and its requirements in detail\.
- [Creating a Cyber Incident Response Plan](https://insurancechoices.com/newsletter/creating-cyber-incident-response-plan/): The way a company responds to a cyber incident can make or break its financial and reputational stability\. In the event of a poor response, a company may encounter various consequences—including the exposure of sensitive data, compromised technology, widespread business disruptions, disgruntled stakeholders, lost customers and diminished market value\. Fortunately, businesses can mitigate these damages through proper cyber incident response planning\.

## Optional
- [Sitemap index](https://insurancechoices.com/sitemap_index.xml)