Five Vital Estate Planning Tips

Under current law, federal estate tax applies to all individual estates worth at least $5.6 million.

But, because assets transfer tax-free to the surviving spouse upon the death of a husband or wife, a married couple can shield up to $11.2 million from the federal tax. Only amounts above this level that are still left in your taxable estate (or that of a surviving spouse) are subject to the tax.

However, planning for an orderly transmission of your financial legacy to your loved ones is still important, even for estates too small to meet the estate tax exemption. Here’s what you should do:

  1. Get a will

If you die without a will in place, you won’t be able to determine who gets what assets, nor determine who will get custody of any minors. Instead, the state will do it for you, via your state’s intestate laws, and through a lengthy, expensive and frustrating legal process called probate. This process can delay inheritances for months or even years in complicated cases.

Furthermore, without a will, probate laws force courts to divide your assets among surviving relatives without regard to how close your relationship is with them or their role in your life. Many stepchildren and beloved life partners have been accidentally disinherited by the failure to create a will.

  1. Establish a trust

When you establish a trust to hold money or property, and you do so in such a way that you cannot undo the action (i.e., an irrevocable trust), you move property out of your taxable estate.

Doing so not only sidesteps estate taxes, but also avoids costly probate. This allows assets to effectively pass to heirs free of an estate tax consequence. Meanwhile, it can also help shield assets from the claims of creditors.

Note: It’s not enough to establish a trust. You must also formally transfer ownership of the assets to the trust itself.

  1. Purchase life insurance

When a wealthy family member dies, often surviving members of the family must scramble to raise the cash required to pay federal estate taxes as well as state inheritance taxes. Too often, heirs must sell valuable property and treasured family heirlooms at fire-sale prices just to pay the estate tax.

A properly structured life insurance policy will provide large amounts of cash within days of the death of the insured, that can be used to pay estate taxes, taxes on income with respect to the deceased, probate costs, travel costs, legal fees and other costs.

Often, this type of planning requires insurance planning with permanent insurance products, as term insurance may expire before the insured passes away.

  1. Implement a strategic gifting program

The allowable annual gift you can give to an individual without triggering tax ramifications will be $15,000 until Jan. 1, 2025. This means that you and your spouse can give a combined $30,000 per year to any family members or loved ones – and another $30,000 to their spouse.

  1. Prepare a living will

Your living will, also called an advanced directive, communicates your wishes concerning end-of-life care or care in the event you are incapacitated and cannot make decisions yourself. Combined with a properly drafted power of attorney document, your living will empowers selected trusted individuals with the power to make vital decisions regarding your health care.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.

Interactive Dashboards, the Newest Source of Distracted Driving

Safety experts are raising concerns about the latest evolving distraction in cars: the interactive dashboard.

You already know that fiddling with your smartphone while driving is illegal, highly dangerous and can lead to a serious accident or death. These evolving displays, however, can be just as distracting, leading to the same dangers.

The interactive screens are highly popular and carmakers will continue rolling them out to boost revenue and attract buyers. Auto manufacturers say these dashboards will make driving safer because the voice controls and large touch screens will keep drivers from fumbling for their phones.

But David Strayer, a professor of cognition and neural science at the University of Utah who has authored a number of studies on distracted driving, disagrees. He says that interactive dashboards “are enabling activities that take your eyes off the road for longer than most safety advocates would say is safe.”

His research shows that reading the average text message, which can be done on many new interactive car screens, takes about four seconds, enough time to distract a driver from what’s happening on the road.

And as technology continues evolving, so do the dangers. There are systems on the market that:

•          Allow drivers to sync their phones and check for mentions of them on Twitter – and to even push those tweets to the dashboard.

•          Alert the driver when text messages arrive and they can press a button to hear the message read aloud.

•          Allow the driver to upload a photo taken on a smartphone and request mapping to the place the picture was taken.

•          Allow the driver to sync their smartphone and get a scaled-down version of the phone on the display.

•          Don’t rely on syncing with smartphones, and instead mimic what phones can do, like checking for nearby attractions while on the move.


Few governing laws

The laws on dashboard displays are spotty and only a few states have statutes that forbid the use of videos on the dashboard display that are not used for navigation – like cameras for reversing the vehicle.

Meanwhile, federal motor vehicle standards only require that screen brightness be adjustable.


What you should do

While there are few laws in place governing the use of these systems, you should use common sense and use them as you would legally use your phone.

If you have a vehicle with an interactive screen, use it sparingly and avoid interaction while the car is on the move.

The National Highway Traffic Safety Administration recommends the following to reduce distraction in cars with interactive dashboards:

•          Don’t use functions that include photographs or moving images unrelated to driving.

•          Any task should require less than six taps in order to be completed.

•          Drivers should be able to complete tasks in a series of 1.5- or 2-second glances, for a total of no more than 12 seconds.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.

Technology Comes to the Rescue in Construction Industry

While safety improvements slowly take hold in the construction industry, some firms are turning to technology to reduce workplace injuries.

Owners and management have been scrambling to find new and better ways to monitor employee safety and prevent accidents as the industry grapples with growing workforces that often include new workers with little experience.

There are also language barriers as the number of foreign workers entering the trade continues growing as employers struggle to fill positions.

Construction, for example, is one of the least-digitized sectors in the world, according to research from The McKinsey Global Institute. But that’s changing as technologies like helmet cams and smart glasses, smart safety vests, drones, and even smart boots are being employed.

The technologies are aimed at both training new workers in the safety aspects of the job and warning them if it appears that danger is imminent. This type of real-time communication has been proven to reduce risk and improve quality.

And there is an added benefit in that most of the new technologies also collect data that can be used if a contractor is sued for construction defects.

Here are some of the new technologies that contractors are using on their worksites, according to The Hartford, which recently published a paper on trends in construction safety.

Smart glasses and helmets

Smart glasses essentially capture video from the view of the worker. Smart helmets do the same through a camera mounted on the unit.

This wearable technology can help train less-experienced workers by allowing management to monitor their work from a different location.

By monitoring the action in smart glasses, management can:

  • Flag mistakes that workers make so that they can be fixed to avoid a construction defect. That’s because new instructions can immediately be sent to a worker who has made a mistake.
  • Improve safety in real time, including alerting workers of dangers.
  • Be used to train workers and enhance communication among employees and supervisors.
  • Improve decision time and work quality by allowing management to review video.

Some helmets are also equipped with display visors that can dynamically project relevant information onto the surfaces of objects in the wearer’s field of vision.

Smart safety vests

Some new safety vests will alert workers when they’re entering a dangerous area at a job site. There are also new vests that can monitor a workers’ heart rate and stress levels and alert them and supervisors if they are at unsafe levels.

Some vests even will send a signal to slow or stop heavy equipment when the vest is detected nearby.

There are also GPS-enabled safety vests that track worker locations across crowded jobsites. As a result, workers within a geofenced jobsite can be located with the utmost precision – within 8 inches, in fact.

Smart boots

Some boots on the market now have sensors that can detect temperature changes, and track location and motion through GPS and Wi-Fi.

From a safety perspective, the ability to track a worker’s location could be extremely helpful during a time of crisis.


Some contractors are using drones to monitor unsafe practices on job sites. Since a supervisor can only be at one place at time, a drone with a bird’s eye view can provide real time monitoring of many workers at the same time.

Contractors are also using drones to monitor and document the quality of a project. They can also be used to keep clients up to date on the progress of a project, while documenting the project for possible future questions about building to specifications or code.

When to Call Your Financial Advisor

If you’re experiencing a major life change of any kind, or facing a crucial financial decision, it’s a good idea to make an appointment with your financial planner.

Here are some examples of major life passages when you may need some good financial advice – and some action items to bring up:

  1. Marriage.At a minimum, it’s critical to have life insurance in place to protect both spouses. Many planners also assist with budgeting tools, provide advice about spousal communications concerning money, and can help you develop a long-range financial plan together, as a couple. Other critical items to discuss include disability insurance, debt/credit management and starting retirement savings.
  2. A new baby.A pregnancy or new baby means it’s time to update your life insurance, and name a new beneficiary. Often, you’ll set up an UTMA (Uniform Transfers to Minors Act) or UGMA (Uniform Gifts to Minors Act) trust to hold assets on your child’s behalf until he or she reaches adulthood. You’ll also want to name a custodian to make financial decisions and to control the assets in the trust.

It’s also an excellent time to begin planning for college by setting up a Section 529 Plan, a Coverdell Education Savings Account – or in some cases using cash-value life insurance strategies to accumulate assets that don’t get counted against your child for need-based financial aid purposes.

  1. Starting a business.An experienced financial advisor can help you separate your business assets from your personal assets, and set up small business retirement and employee benefit plans of all kinds. Your insurance professional can ensure you have vital coverage and protections in place – such as key person life insurance, disability insurance, general liability, and employment practices liability.
  2. Retirement.Your advisor can help you make critical decisions about Medicaid and Medicare that may affect the rest of your life. Make your appointment a few months before you turn 65, so that you won’t miss your Medicare and Medigap Open Enrollment windows.

    It’s also time to ensure your assets are structured to provide an income, and to minimize risk and needless taxes. Moreover, it’s time to review your will, power-of-attorney documents and your advanced health care directive.

  3. Getting a promotion.A promotion usually means more money – and also more decisions. You may be in a higher marginal tax bracket, for example, which may affect how you choose to save and invest. You may want to increase disability income and life insurance, or discuss protecting yourself and your family against high long-term care costs.

    Your advisor can help you prioritize your savings, investments and spending. If you’re changing jobs, you need to decide what to do with that old 401(k).

  4. Receiving a windfall.Your advisor can help you structure your windfall to minimize taxes, as well as help you invest the windfall as productively as possible. They may also be able to talk you out of some bad ideas!
  5. Hitting age 70½.If you have tax-deferred retirement assets or annuities, you need to look at required minimum distributions. It’s also a good time to double check on your will, advanced health care directives, power of attorney and other financial documents. Some people discuss passing wealth on to heirs and to charities via gifting, trust and life insurance strategies.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.

OSHA Cracks Down on Errant Electronic Filers

Despite the federal Occupational Safety and Health Administration pushing back the deadline until Dec. 31, 2017, about a third of workplaces that were required to electronically file their 2016 Form 300A in a timely fashion, failed to do so.

Now OSHA has started a crackdown on employers that failed to file their forms after the agency stopped accepting the 2016 forms as of Jan. 1, 2018.

In February, compliance officers were instructed to initiate inquiries into whether workplaces had electronically filed their 300A forms for 2016. Failure to file can lead to an other-than-serious citation, with a maximum penalty of $12,934.


Who is required to file electronically?

  • Establishments with 250 or more employees that are currently required to keep OSHA injury and illness records.
  • Establishments with 20-249 employees in certain industries with historically high rates of occupational injuries and illnesses.

OSHA has until June 15 this year to issue citations to those employers who failed to electronically file the required information.



There are some exceptions to having to comply with the new electronic filing rules for employers who operate in states with OSHA-approved workplace safety agency plans that have yet to adopt regulations requiring electronic submission of injury and illness reports. The states in question are:

  • California
  • Maryland
  • Minnesota
  • South Carolina
  • Utah
  • Washington
  • Wyoming


New rules coming

For 2017, OSHA is not yet requiring that applicable employers file electronic OSHA 300 logs or 301 forms as it is in the process of devising new rules. The deadline is currently July 1, 2018.

The two types of establishments currently required to submit their forms electronically are expected to continue to do so under the new rules.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.

Determining Who Is at Fault in an Auto Accident

Determining who is legally responsible in an auto accident requires identifying who the negligent party is.

In most cases, common sense can be used to determine fault, but often drivers do not know exactly which laws were broken by the at-fault party. This makes it more difficult to prove a case to an insurer when making a claim.

There are a few places to look for this supportive information.


Police reports

If you or the other party called the police or 911 after the accident to report injuries, there will be a police report.

If that’s the case, you can contact your local law enforcement traffic division to ask for a copy of the report.

Many police reports contain a responding officer’s opinion about who was at fault. If one party clearly violated any laws, the officer will write that in the report.

Typically, any mention of the other party breaking traffic laws will be enough to sway your insurer that you were not at fault.


State laws

As backup, you can search your state traffic laws to find out if the other party violated the law.

You can often find information on the DMV website, or you can get a copy of the driver handbook that will typically outline most instances of traffic violations. The handbooks include language that is written in laymen’s terms so they are easy to understand.

Law school libraries and local public libraries may have more detailed versions of these codes.


No-doubt liability

In some accidents, the other driver is almost always considered at fault.

For example, if another motorist hits the back of your car, the insurance company will typically consider them at fault because it is most likely they were either following too closely or failed to react in time when you put on your brakes.

One of the basic rules of the road in every state is that a driver should follow a vehicle ahead at a safe enough distance to be able to stop even if the other person brakes suddenly.

Also, damage is easy to prove with a rear-end accident. One driver’s vehicle will be damaged on the front end, and the other driver’s vehicle will have damage to the rear.

That said, for drivers who are rear-ended, there are still a few situations where their carelessness is a contributing factor to the accident.

If the insurance company investigates the claim and finds that your brake lights were out, this could reduce the amount of compensation you receive and you could be considered at fault.

Your compensation may also be reduced if you ignored mechanical issues that should have been fixed and were a contributing factor to the accident.

Another example of an accident where there is a clear violator is a left-turn accident.

Anyone who makes a left turn and is struck by a vehicle on the other side of the road that is going straight in the opposite direction is an at-fault driver unless:


•          They were making the left turn at a green turn light.

•          They were at a four-way stop and had the right of way.

•          The oncoming vehicle was greatly exceeding the speed limit, which made it difficult for you to judge how fast they were coming towards you.


Also, the turning driver will have damage on the side of the vehicle, and the oncoming vehicle will have damage to the front end or the side if the turning driver tried to swerve.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.

Have Workers Handling Material and Goods? Play It Safe

Material handling is associated with a number of risks to workers that can cause industrial injuries. Moving product about, twisting, handling unwieldy loads and working around heavy machinery can all result in incidents that injure your workers.

Material handling injuries often result in costly medical treatment, time away from work recovering, lost productivity, decreased employee morale and higher workers’ comp premiums. As an organization, you must take preventive measures to minimize injuries and the costs associated with them.

Here are some tips:


Focus on ergonomics – Put a premium on ergonomics and proper lifting, and try to put in safeguards to protect against the wear and tear of repetitive motions. The main ergonomic issues you should focus on are:

  • Stressful postures while handling materials, like bending or twisting.
  • Repetitive motions such as frequent reaching and lifting.
  • Forceful exertions like carrying or lifting heavy loads.


Tour the overall work area with a supervisor and talk to workers in each area to identify all such ergonomic risk factors, and minimize them by putting control measures in place to limit the exposure of employees to all possible risks.


Provide personal protective equipment – The required personal protective equipment that workers need will vary from setting to setting, but it can be of great help in preventing injuries when moving materials manually. Some PPE that is common in material handling settings includes:

  • Eye protection
  • Helmets
  • Gloves
  • Steel-toed safety boots
  • Guards to protect the instep area from impact or compression
  • Back braces


Buy assisting equipment – Reduce the amount of manual material handling your workers have to do by providing them with the equipment that can reduce the chances of them injuring themselves. Some common equipment includes:

  • Forklifts
  • Dollies
  • Conveyor belt scales
  • Storage equipment (shelves, racks and pallets)
  • Bulk material equipment (trucks, silos, drums and grain elevators)


Besides reducing risks to employees, material handling equipment can also greatly improve productivity. Beware though: some assisting equipment can be dangerous in the wrong hands.

Designate and train the appropriate individuals on the correct procedures and verify that they follow safety rules. Ensure that only authorized and trained individuals operate the equipment.


Address noise, vibrations – Noise and vibration are widespread in material handling environments and it is important therefore to protect your employees’ hearing.

Additionally, while vibrations cause noise, they can also lead to work-related musculoskeletal disorders and general employee fatigue. If you use the right equipment, you can reduce both noise and vibrations.

Consider matching wheel materials to the floor surface to minimize vibration and noise, as well. Use shock-dampening casters and softer wheels to reduce noise and g-forces on a wheeled cart.


Encourage tired workers to speak up – Physical labor can take its toll on your workers, and when fatigue sets in they are at greater risk of having accident.

And if they have been doing the same job and the same movements and lifting day in and day out, musculoskeletal disorders can set in.

These injuries build up over time, so the earlier you can detect an issue, the better. That’s why you should encourage employees to report discomfort and fatigue. That way, you can act and put in place control measures to prevent tiredness from developing into a serious injury.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.

Why You Need Short- and Long-term Disability Coverage

Nobody plans on becoming disabled and missing work, but it can happen. An illness or an accident could cause you to be unable to work for months, or even years.

While you health insurance will cover their medical expenses, it won’t cover the cost of living while you recover.

Only 30% of American workers in private industry currently have access to employer-sponsored long-term disability insurance coverage, according to the U.S. Bureau of Labor Statistics.

That means most workers – and their families – do not have adequate protection against one of the most significant financial risks that they face.

That’s why you need your own short-term and long-term disability insurance.

These policies provide income replacement to enable individuals who can’t work to pay the bills, including mortgages and college expenses, and to maintain their standard of living.

Disability insurance replaces a percentage of pre-disability income if an employee is unable to work due to illness or injury.

There are various policies to choose from, including short-term disability coverage, long-term disability coverage, or integrated short- and long-term coverage.

Disability policies have two different protection features that are important to understand:

Non-cancelable– This means the policy cannot be canceled by the insurance company, except for non-payment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

Guaranteed renewable– This gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, the insurer has the right to increase the premiums.

Policy Options

In addition to the traditional disability policies, there are several options you can choose from:

  • Additional purchase options. The insurer gives you the right to buy additional insurance at a later time.
  • Coordination of benefits. The amount of benefits you receive from the insurance company is dependent on other benefits you may receive because of your disability.The policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
  • Cost of living adjustment (COLA). The COLA increases disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
  • Residual or partial disability rider. This provision allows you to return to work part-time, collect part of their salary and receive a partial disability payment if you are still partially disabled.
  • Return of premium. This provision requires the insurer to refund part of the premium if no claims are made for a specific period of time declared in the policy.
  • Waiver of premium provision. This clause means that you do not have to pay premiums on the policy after you are disabled for 90 days.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.

More Firms Ban Smartphones at Work for Safety Reasons

More and more employers are banning cell phones in the workplace because they are distracting enough to be a serious safety issue for workers.

Most notably, General Motors has banned all employees, including its CEO, from walking around with their mobile phones while talking, texting or using other smartphone functions.

You already know the dangers of using your phone while behind the wheel, as vehicular deaths have spiked since the ubiquity of smartphones. But in many workplaces – think warehouses, construction sites, factories and other worksites with equipment and inventory – the distraction of a smartphone can have deadly consequences.

On top of that, they are “productivity killers,” as a report called them after finding that 75% of employers surveyed said that at least two hours a day were lost to distractions like texting and the Internet.

In busy workplaces, safety should be your primary concern. Consider the following:


Industrial machinery and phones don’t mix

OSHA bars the use of cell phones in construction regulations pertaining to cranes and derricks, but the hazard exists across any dangerous equipment.

Some workers should absolutely not have their mobile phones on and within reach, such as powered industrial truck operators, forklift drivers and machinery users. If you have any of these among your workforce, you should strictly ban the use of mobile phones in any capacity during the use of industrial equipment.

You may consider extending the ban to include all of the other employees who regularly work around that equipment, particularly when they are walking or moving product to and from the warehouse. Also, if any staff from your office are in the work area, they too should refrain from using their phones while walking.


The biggest dangers

One of the main points that employers try to drive home is that the best way to prevent workplace injuries is for all employees to be aware of their surroundings. When people are using cell phones in an operational environment, it impedes their ability to recognize and react to hazards, particularly moving equipment like forklifts.

The biggest concern is people who are in the middle of writing long messages and engaging with others on social media or texting. Many of these apps have been shown to greatly reduce the user’s awareness of the real world around them.

There are many instances in which workers cause traumatic injuries or even death to themselves or others due to cell phone distractions that could have easily been prevented.


Potential property damage

Distracted cell phone usage is known to cause workers to accidentally misuse equipment or machinery, which can result in either small or serious damage to company property.

Also, having a cell phone around hazardous chemicals or waste can pose a serious threat to the health and safety of all workers in the vicinity, in addition to property damage.

Furthermore, the cost of replacing damaged property can have a major financial impact on your organization and possibly be at your expense.


Reduced productivity

Cell phone usage can have adverse effects on warehouse production levels and the individual performance of your employees.

People who are on their phones could be working instead and, if someone is involved in social media banter or watching an amusing video on YouTube, it’s easy for them to ignore important matters that come across their desks.

Employers that have not put policies in place – and even workers – might not realize how much social media and smartphone use can hurt productivity.


What you can do

Create a policy that explicitly explains when and where employees may use their mobile phones while on the job.

Some companies ban cell phones altogether, particularly call centers where employees’ devices are collected at the beginning of the day and kept in lockers until breaks.

Consider the following for your rules:

  • Mobile phones are barred for employees when performing on-site job-related tasks.
  • Answering calls, texting, checking social media or using the Internet are all activities that fall under dangerous cell phone usage.
  • Set parameters for when and where employees are allowed to use their phones.
  • Consider restricting types of media and videos.
  • Hold employees accountable to productivity levels. Note that time spent on the phone on personal matters is keeping them from focusing on their jobs.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.

Hiring a Contractor? Make Sure They’re Insured

When you hire contractors, electricians or other home repair specialists, you may shop around on price and go with the least expensive one.

But if a contractor comes in with a bid that is much lower than the competition, it could mean they are cutting corners – and one of the top ways for them to do this is in the insurance they carry, or are supposed to carry.

Consider these scenarios:

  • An electrician’s faulty work starts a fire that guts your kitchen and dining room.
  • A contractor’s worker breaks a leg while working on your home.

If either of these events occurs and the contractor doesn’t have insurance, you’ll be on the hook for the damages.

Even if a contractor tells you they are insured and bonded, you need to verify that it’s true. After all, they could be stretching the truth by just having their vehicle insured, and they could be bonded for another project they have worked on in the past.

While your homeowner’s policy provides some liability coverage, it may not cover all the costs in an especially costly event.

The first thing you should do when hiring a contractor is to ask to see their certificate of insurance. If they don’t have it, they can call their insurance agent and ask them to send it to you. A certificate doesn’t provide all the insurance details, but it’s a good start.

However, if you are having major work done on your home, you need to delve further. You should look for the following:


Coverages on certificate of liability insurance

Current dates – Check to see that the coverage is current. If it’s past the policy expiration date, then it doesn’t tell you if they currently have insurance.

General liability coverage – The contractor should have this insurance, which covers bodily injury to you or third parties and property damage arising out of their operations. Check also to see if their coverage includes “products and completed operations,” which covers damages that may arise out of their finished work. If this is not included, then the contractor’s liability ends when they finish the job.

Workers’ compensation – This coverage is mandatory for all employers, except under very rare circumstances. It covers medical expenses and lost wages if an employee is injured on the job. If the contractor doesn’t have this coverage, you could be on the hook for these costs.

Sometimes small contractors will tell you that they don’t need to have it, but that is typically true only if they have no employees and it’s a sole proprietorship.


Other coverages to look for

Builder’s risk – If you are building a new home or adding onto your home, this provides protection for the new construction and building materials while it is being built.

While most contractors will buy this coverage, some of them will ask the homeowner to do so. Make sure you are clear who should buy this coverage and, if it is the contractor, make sure you ask for proof that it’s been purchased.

Fidelity bonds – The most common type of bond you could encounter provides protection if a contractor’s workers steal from you. While better than nothing, actually getting paid from these bonds can be somewhat difficult.

It’s probably a better bet to lock up or remove your valuables when contractors are working in your home. Although you have hopefully picked a contractor you trust, he or she is probably not going to be the only one that enters the job site.

If you have any questions or would like to speak to a professional advisor, please contact ACBI Insurance at 203-259-7580.