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We don’t think of small amounts of water as particularly threatening. However, in the right situations, even puddles might prove dangerous. What if you slip in one at work and fall? Qualifying injuries might qualify you for workers’ compensation coverage. How do water risks fall into this coverage? What canimage of a safety first sign you do to prevent water-borne threats in the business?

Why Water Poses a Workers’ Compensation Risk

Workers’ comp helps employees who have suffered injuries or illnesses during their duties. They can get money to aid them in their recovery and supplement lost income.

If an injury comes about because of standing water or water damage, then the affected party often has recourse. Workers' comp claims from water risks might include slip-and-falls and mold exposure.

Why do Slip and Fall Risks Exist?

Anywhere water puddles, there’s a fall risk. Even a small puddle could cause someone to slip. The resulting injuries might range from a bruised shin to a severe head injury. Standing water and fall risks might originate from:

  • Leaking pipes and ceiling leaks
  • Spills from coffee pots, sinks or water fountains
  • Wet floors following cleaning
  • Puddles in entryways or on sidewalks on rainy days

In most of these cases, if a fall occurs, you can qualify for a workers’ compensation claim. For example, if you slip while in the bathroom, you’ll often have protection. Nevertheless, not all falls will equal a claim. If you fall while out of the office to eat lunch, you might not be able to file.

Mold Risks and Coverage?

Anytime you have standing water, you have a mold risk. If mold develops, it might cause breathing problems and other extensive injuries.

Let's look at an example. Mold might grow undiscovered behind a business’s walls. Over the years, you might become ill because of this exposure. As a result, you might be able to file a successful workers’ compensation claim.

Nevertheless, mold is a tricky subject. It’s sometimes hard to pinpoint if your particular illness came from the mold in your workplace. Even so, if you can prove this fact, then your employer’s workers’ comp policy could cover you.

Employers have an obligation to provide a safe workplace and prevent mold growth. If you are in charge of this, consider a few different precautions. These might include:

  • Keeping humidity and temperature low and dry
  • Having regular mold tests as needed.
  • Looking out for any leaks, including hidden leaks. Have these fixed immediately.
  • Cleaning up any standing water immediately. Use cleaning supplies that will combat mold risks.

If you have questions about slip-and-fall or mold coverage, contact your workers’ comp insurer. Ask what your policy will cover, and how they cover it. In the meantime, do what you can to prevent workplace accidents.

Also Read: Expanding Your Employee Benefits Package


Lighthouse Insurance Group has closed the Livonia branch office location at 15624 Farmington Road, Livonia as of November 30, 2017.  It is important to know that this closure will not cause any change to the team you have become familiar to working with. 

 Rick Bernard and Mariah Cosper will continue to be available for our commercial (business) clients and the personal lines teams for new business and customer service remain the same.  Our hours are from 8:00am to 5:00pm, Monday-Friday.  Plus, our 24/7 support remains available on our website (www.ipsagency.com) under the customer center tab to report claims, pay your bill or submit a change request. 

Continue to contact us at:

We look forward to continuing to serve your insurance needs.  Thank you!


2015 New YearHAPPY NEW YEAR!

If you are hosting a New Year's Eve party, following a few simple rules could prevent a tragedy:

  • Plan ahead by naming a "designated driver".  Make this your responsibility as the host.
  • Contact a local cab company to provide rides for your guests.
  • Serve non-alcoholic beverages as an option for your guests.
  • Stop serving alcohol to your guests several hours before the party ends.
  • Provide your guests a place to stay overnight in your home.

If you are attending New Year's Eve parties and celebrations:

  • If you drink, DON'T DRIVE!
    • Plan ahead and always designate a sober driver before the party or celebration begins.
    • If you are impaired call a taxi, use mass transit, or get a sober friend or family member to come pick you up.
    • Or, stay where you are until you are sober.
  • Take the keys from someone if you think he/she is too impaired to drive.

From all of us at Insurance Planning Service, have a safe and fun New Year's Eve!

Source: answers.usa.gov


HalloweenAs the end of October approaches, so does Halloween - that exciting time of year for kids!  Here are a few tips that can help keep children safe while they are Trick-Or-Treating:
  • A parent or responsible adult should always accompany young children on their neighborhood rounds.
  • If your older children are going alone, plan and review the route that is acceptable to you. Agree on a specific time when they should return home.
  • Only go to homes with a porch light on and never enter a home or car for a treat.
  • Because pedestrian injuries are the most common injuries to children on Halloween, remind Trick-or-Treaters.

  • Stay in a group and communicate where they will be going.
  •  Remember reflective tape for costumes and trick-or-treat bags.
  • Carry a cellphone for quick communication.
  • Remain on well-lit streets and always use the sidewalk.
  • If no sidewalk is available, walk at the far edge of the roadway facing traffic.
  • Never cut across yards or use alleys.
  • Only cross the street as a group in established crosswalks (as recognized by local custom). Never cross between parked cars or out driveways.
  • Don’t assume the right of way. Motorists may have trouble seeing Trick-or-Treaters. Just because one car stops, doesn't mean others will!
  • Law enforcement authorities should be notified immediately of any suspicious or unlawful activity.
Source:  American Academy of Pediatrics
Posted 6:05 PM


Deer CrossingDid you know?
  • Car-deer crashes are a year-round problem in Michigan.  During 2012, there were 48,918 reported car-deer crashes.
  • A car-deer crash occurs every nine minutes.
  • The average car-deer crash causes $2,100 in damage, usually to the front end, and often leaves the vehicle un-drivable
Tips to avoid a car-deer crash:
  • Stay aware, awake and sober.
  • Drive at a safe speed.
  • Observe your surroundings.
  • Pay attention to deer crossing signs.  They are placed at known deer crossing areas.
  • Deer are herd animals and frequently travel in single file.  If you see one cross the road, chances there will be more following.
  • Always wear your safety belt.
If a crash is unavoidable:
  • DON'T SWERVE.  Brake firmly, stay in your lane, hold onto the steering wheel and bring your vehicle to a controlled stop.
  • PULL OFF THE ROAD.  Turn on your emergency flashers and be cautious of other traffic if you leave your vehicle.
  • DON'T ATTEMPT TO REMOVE A DEER from the roadway unless you are convinced it is dead.  An injured deer's sharp hooves can easily hurt you.
  • REPORT A CRASH to the nearest police agency and your insurance agent.
Article Source: Michigan Millers Mutual Insurance Company

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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake