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| 1. General Information |
| 2. Personal Home & Auto |
| 3. Credit Report Websites |
| 4. State Government Resources |
| 5. Federal Government Resources |
| 6. Risk Management |
| 7. Employee Benefits |
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| General Insurance Information |
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| A.M. Best |
| Information & data from all aspects of the insurance industry, including carrier ratings. |
| Business Insurance |
| Property & casualty insurance news site. |
| Independent Insurance Agents & Brokers of America (IIABA) |
| Home page for the IIABA. |
| Insurance Information Institute |
| Insurance information including facts and statistics, recent studies and hot topics. |
| Insurance Journal |
| Insurance news and related information. |
| National Association of Insurance Commissioners (NAIC) |
| The Web site for the NAIC contains listings of various state insurance department contacts. |
| Ultimate Insurance Links |
| Your connection to an exhaustive list of carriers, vendors and organizations in the P&C industry. |
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| Personal Home & Auto |
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| Homeowners and Automobile Insurance Checklist (PDF) |
| Download this PDF file to review a checklist of things to consider when reviewing your insurance policy with your agent. |
| Federal Emergency Management Agency (FEMA) |
| Resource for emergency prevention, planning, response and recovery information. |
| How to Read an Insurance Policy |
| Article on the basics of understanding your insurance policy language. |
| Michigan Secretary of State Website |
| This website allows you to perform some services regarding drivers license and license plates as well as information on other services by the Secretary of State. |
| NADA Blue Book Guide |
| NADA Blue Book allows you to look up prices of new and used vehicles as well as classic cars, recreational vehicles, boats motorcycles and manufactured homes. |
| National Weather Service |
| Homepage of the National Weather Service, featuring a variety of weather related resources. |
| National Safety Council |
| Traffic safety education, management, and defensive driving techniques from the National Safety Council. |
| Red Cross Library |
| A local Red Cross website that has information on general safety topics. |
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| Credit Report Websites |
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| Almost all insurance companies are using some form of credit scoring to determine rates for auto and home insurance. We recommend checking your credit report at least once a year to see if yours is accurate. Some sources to check your credit include: |
| Equifax |
| 1-800-685-1111 |
| Experian |
| 1-888-397-3742 |
| TransUnion |
| 1-800-888-4213 |
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| State Government Resources |
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| Bureau of Safety and Regulations, Michigan Occupational Safety and Health Act |
| MIOSHA Health and Safety Topics, specific for Michigan |
| Michigan Bureau of Workers and Unemployment Compensation |
| State of Michigan’s website regarding Worker’s Compensation |
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| Federal Government Resources |
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| Bureau of Labor Statistics |
| U.S. Department of Labor's Bureau of Labor Statistics home page. |
| Bureau of Transportation Statistics |
| This site offers a plethora of statistics related to transportation issues and incidents. |
| Centers for Disease Control and Prevention (CDC) |
| Health Topics A to Z provides a listing of disease and health topics found on the CDC Web site |
| Federal Emergency Management Agency (FEMA) |
| Resource for emergency prevention, planning, response and recovery information |
| Internal Revenue Service (IRS) – Cafeteria Plan Webpage |
| The IRS' Web site provides some basic information about cafeteria plans. |
| Internal Revenue Service (IRS) - Employer's Tax Guide To Fringe Benefits (PDF) |
| This link will take you to the Employer's Tax Guide To Fringe Benefits. |
| Internal Revenue Service (IRS) Publication 502 (PDF) |
| IRS Publication 502 can be used for guidance when determining what expenses may be reimbursed through a health flexible spending account. |
| National Ag Safety Database (NASD) |
| The database contains various topics, including ladder safety |
| National Highway Traffic Safety Administration (NHTSA) |
| A-Z coverage of topics concerning traffic safety |
| National Institute for Occupational Safety and Health (NIOSH) |
| This site offers a wide variety of topics relating to workplace safety and health issues. |
| National Institutes of Health (NIH) |
| NIH is part of the U.S. Department of Health and Human Services and is the primary Federal agency for conducting and supporting medical research. |
| National Traffic Highway Safety Administration |
| A-Z coverage of topics concerning traffic safety |
| Occupational Safety and Health Administration, U.S. Department of Labor |
| A-Z topical index of OSHA Topics |
| Ready.gov |
| Developed by the U.S. Department of Homeland Security, Ready.gov is designed to educate the public, on a continuing basis, about how to be prepared in case of a national emergency – including a possible terrorist attack. |
| Transportation Safety Institute |
| This Web site from the U.S. Department of Transportation's Transportation Safety Institute is a great resource covering a wide range of transportation safety concerns |
| U.S. Department of Labor (DOL) elaws Advisors |
| This area of the Department of Labor site will help you understand your rights and responsibilities under the employment laws and regulations administered by the DOL. |
| U.S. Department of Labor (DOL) Health Plan & Benefits Topics |
| This site links you to DOL websites on major legislation and regulations relating to health plans, such as COBRA, HIPAA and FMLA. |
| U.S. Department of Transportation |
| From highway safety to airline issues, this site covers all modes of transportation |
| U.S. Department of Treasury – HSA Page |
| This site contains answers to commonly asked questions related to HSAs. Other official guidance on HSAs is also available. |
| U.S. Environmental Protection Agency |
| Learn about environmental impacts and contamination hazards on the EPA's official Web site |
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| Risk Management |
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| 4-Safety Tool Box Talks |
| This web page includes downloadable toolbox talks. |
| American Industrial Hygiene Association |
| Your essential source for information about industrial hygiene. |
| Buildsafe |
| This site from the Construction Safety Council is a host for construction and worker safety Web sites. |
| Construction WebLinks |
| A collection of construction related Web links. |
| Environmental Risk Resources Association |
| Learn about potential environmental exposures associated with your organization. |
| ErgoWeb |
| ErgoWeb provides professional ergonomics solutions. Site includes standards and regulations, case studies, software solutions, training services, news, and more. |
| International Risk Management Institute |
| A practical resource for risk management and insurance information. |
| National Council on Compensation Insurance (NCCI) |
| NCCI Web site containing publications, industry information, news & events, and more. |
| Noise Pollution Clearinghouse |
| An introduction to sound basics. |
| RiskINFO |
| Resourcenter for risk management, safety and insurance professionals. |
| Saftek |
| This website includes information for a safety talk, including an outline for the meeting, examples and suggestions and safety training programs. |
| Surety Information Office (SIO) |
| This site contains a variety of information about surety bonds in construction. |
| The Center to Protect Workers’ Rights (CPWR) |
| CPWR is the research, development, and training arm of the Building and Construction Trades Department, AFL-CIO. The site contains numerous Hazard Alerts, including one on construction noise. |
| The Surety Association of America |
| Web site of the Surety Association of America, a trade organization consisting of more than 550 companies that collectively write the majority of surety and fidelity bonds in the U.S. |
| Toolboxtopics.com |
| "Free safety meeting topics for the construction and general industries. Use these tool box topics to assist in employee training and to further promote safety within your company. Safety programs, safety management software and links to other resources are also available." |
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| Employee Benefits |
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| American Institute for Preventative Medicine |
| The institute has been dedicated to helping people improve the quality of their lives through information on award-winning wellness programs and self-care publications. |
| BenefitNews.com |
| Employee benefits compliance information and tools. |
| Employee Assistance Professionals Association (EAPA) |
| The Web site of the EAPA contains information on EAPs for both members and non-members. |
| Employee Benefits Institute of America (EBIA) |
| EBIA is the leading provider of publications and seminars on Cafeteria Plans, 401(k) Plans, COBRA, HIPAA and ERISA. |
| Employee Benefits Research Institute (EBRI) |
| Web site of EBRI, a nonprofit, nonpartisan organization committed exclusively to data dissemination, policy research, and education on economic security and employee benefits. |
| FindLaw for LawCrawler |
| Use the search engine to fine legal information. |
| HealthGrades |
| Report cards and ratings for hospitals, physicians, health plans, and other health care facilities. Also includes a provider search and profile area, news, and other health information. |
| Health Hippo |
| Health Hippo is a collection of policy and regulatory materials related to health care. This link will take you to some very basic information about ERISA. |
| Health Privacy Project |
| Consumer information about health privacy rights and responsibilities. |
| International Foundation of Employee Benefit Plans |
| A multitude of resources, news, search options, and documents. Membership required for many, but not all, resources. |
| Life-line |
| Web site of the Life and Health Insurance Foundation for Education. This is an educational site for consumers to learn about life, health, and disability insurance. |
| Managed Care Magazine |
| Managed Care Magazine's Web version. |
| National Association of Dental Plans (NADP) |
| The NADP's Web site contains directories, news, a section on government relations, publications, and members-only content. |
| National Committee for Quality Assurance (NCQA) |
| The official Web site of NCQA, an independent organization dedicated to evaluating and reporting the quality of the nation's managed care organizations. |
| RxList.com |
| Prescription drug reference Web site that provides information to consumers and medical professionals about use and interaction of prescription drugs. |
| Society for Human Resources Management |
| Contains news, forums, resources and members-only services. |
| State Health Facts Online |
| This resource provided by the Kaiser Family Foundation contains the latest state-level data on demographics, health, and health policy, including health coverage, access, financing, and state legislatio |
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