Making a Difference for Man's Best Friend When the VGM Insurance Services team chose the Cedar Bend Humane Society (CBHS) as their charity to support in 2019, little did they know the difference they would be making. The team-building experiences for themselves would be secondary to the positive effect they would have on the 30+ dogs at the facility, and the CBHS organization as a whole. Of the many projects and needs on CBHS’ wish list, the group decided to tackle a large one:...

How to Create a Hurricane Preparedness Plan for Your Golf Course or Country Club With hurricane season in full swing, you’ll find numerous articles and blog posts with tips on how businesses can prepare for Mother Nature’s wrath. However, golf courses and country clubs have a unique set of risks, since many operations include hospitality and retail elements. In addition to protecting your main asset – your course – emergency planning and insurance coverage become complex...

According to the Bureau of Labor Statistics (BLS), homecare workers have a greater risk of injury while on the job than other health care and human services employees. For example, the injury rate in home care settings, cites the BLS, is about 50% higher than in hospitals. Based on the multiple exposures homecare workers face, it’s not surprising that Workers’ Compensation insurance represents one of the most significant expenses for homecare providers. For every Worker’s Compensation...

The demand for reliable, accessible, and affordable health care services has never been greater, and the challenge of meeting it has forced the entire health care industry to reconsider its service model in recent years. Telemedicine, defined as the remote delivery of health care services over the Internet or other telecommunications infrastructure, has opened the door for providers to supply their patients with better, cheaper, and more personalized care no matter where they reside. As the need...

Due to new research and the rapidly growing number of personal testimonials surrounding the medical benefits of CBD use, the market for CBD oil has expanded significantly. According to The Hemp Business Journal, the CBD market is estimated to grow to $2.5 billion in consumer sales by 2022. And, while CBD products are becoming a natural addition to the product mix of many home medical equipment, homecare and health and wellness businesses, those supplying CBD should be aware of the potential...

America’s population is aging, creating a greater demand for health care services than ever before. Unfortunately, the same vulnerabilities that cause dependent adults to seek care also make them potential targets for abuse by their caregivers. With claims of dependent adult abuse on the rise across the country, it’s important for your organization to understand the serious liability risks that these claims can represent so that you can take appropriate steps to prevent them. Even a false...

The food service business is nothing if not competitive. Highly competitive. Your members have a multitude of dining options, and simply because they have ready access to your club’s restaurant doesn’t necessarily mean they’ll frequently take advantage of it, even if they’re charged a monthly minimum. So, as a club owner, you undoubtedly spend considerable time and money in order to deliver a high-quality dining experience for your members and their guests. But, as you’re...

June shares two very important titles. It’s the start of the summer season – the time where your club shines. Guests come to spend the day on the golf course, lounge in the pool, or enjoy a cold beverage under the sun. However, the second title is one you may not be as familiar with: National Safety Month. The goal of National Safety Month is to help prevent unnecessary injuries and deaths at work, on the roads, and in our homes and communities. Unfortunately, it’s impossible...

At VGM Insurance, there’s no shortage of mystery involved in many of the claims we see. But, we use our experience deciphering these puzzles to provide you with the information and resources you need to better prepare and protect your business. Join us in the scenario below – based on a true story – as you look through the eyes of a physical therapist who sees what can happen when heat therapy doesn’t go as planned. After you’ve read through the account, we’ll...

Swimming Pool Safety: The Most Important Responsibility In Your Clubhouse Golf course managers know swimming pools and hot tubs are popular clubhouse features. They’re also an important responsibility and potential liability. With prime summer swimming season upon us, it’s a good idea to re-visit pool safety and accident prevention. Some Sobering Statistics According to the Centers of Disease Control and Prevention (CDC), drowning ranks fifth among the leading causes of unintentional...