Whitney Peterson, Kellie Crete, and John Fisher presented an informative seminar at the 2023 Sailing Leadership Form on Preventing Insurance Claims at Yacht Clubs and Sailing Organizations. The session covered an analysis of the most frequent and most severe claims seen at sailing organizations over the past 10 years (2013 to 2022). We took a deep dive into the top claim types to outline best practices for preventing claims, accidents, and losses. For those situations that can't be prevented, like storms, we focused our recommended actions on planning, preparation, and risk management. For those who could not attend Sailing Leadership Form 2023, or those who missed our presentation, here is the full presentation. If you have questions, contact us at burgeegowrie@risk-strategies.com. Read more »

Traditional Thanksgiving gatherings with family and friends are fun but can increase the chances of getting or spreading COVID-19 or the flu. The safest way to celebrate Thanksgiving this year is to celebrate with people in your household. If you do plan to spend Thanksgiving with people outside your household, take steps to make your celebration safer. Follow these tips from the CDC to make your Thanksgiving holiday safer. Read more »

The Occupational Safety and Health Administration (OSHA) has published two additional answers to its list of COVID-19 frequently asked questions(FAQs). The new answers clarify when employers must report COVID-19 in-patient hospitalizations and fatalities. Read more »

The coronavirus (COVID-19) outbreak continues to rapidly evolve, presenting both health and business risks. The risk advisors at Risk Strategies and Gowrie Group are monitoring developments worldwide and working diligently to help you enact contingency plans, understand coverage, and keep your workforce safe as the situation unfolds. Important resources can be found online on our client portal. Gowrie Group is a Division of Risk Strategies. https://www.risk-strategies.com/coronavirus-risk-updates

Live Well, Work Well - Choosing an Effective Hand Sanitizer, Low-stress Diet Tips, and How to Make Better Decisions When Feeling Anxious Read more »

Live Well, Work Well - Sorting Out Coronavirus Fact From Fiction, Summer Sun Safety Tips and Probiotics and You. Read more »

When you have a claim, Gowrie Group is here to help. Gowrie’s claim experts work as your advocate and help you manage and expedite the claim process. This guide will help ensure your claim experience goes as smoothly as possible. Read more »

Planning and preparing for hurricanes and other natural disasters can be stressful, even more so during the COVID-19 pandemic. CDC has launched a new website, Natural Disasters, Severe Weather, and COVID-19, that includes information on preparedness and recovery during the COVID-19 response and what the general public can do to keep themselves safe. CDC Natural Disaster Response During COVID

The Connecticut Marine Trades Association (CMTA) has issued smart guidelines for how to keep boating and marine services open, safe, and accessible for everyone to enjoy this spring and summer. Following these simple suggestions will help ensure your own safety, the safety of others, and the safety of marine employees, so we all may enjoy boating in the coming weeks and months. The guidelines from the CMTA reinforce the current recommendations and mandates from the CDC and the State of Connecticut for stopping spread and social distancing best practices. The CMTA updated these guidelines on June 26, 2020. Read more »

Occupational Safety and Health Administration(OSHA) has released guidance for employers on social distancing in the workplace. Read more »

As states continue to reopen their economies post the COVID-19 pandemic, MRAA and NMMA are working together to help marine businesses nationwide identify and assess the retail status in each state. They have launched a dynamic website which is intended to serve as a snapshot to help businesses navigate this rapidly-changing environment. They advise that businesses also consult with regulators within the appropriate jurisdiction and their own stakeholders including legal counsel before making a determination on how to best proceed. You can access the website here

Connecticut’s Governor Ned Lamont released sector rules for June 17th reopening of the state. These COVID-19 guidelines include an emphasis on sports clubs & complexes, gyms, fitness centers, and pools. Read more »

The DEEP of CT has issued guidelines for CT State Parks & Boat Launch Ramps. This includes COVID-19 guidelines for the state beaches and docks at the DEEP boat ramps. DEEP CT State Park & Boat Launch COVID Update

Ogletree Deakins released a state by state overview of federal agency guidance on employee face coverings and employee temperature/symptom screenings. Orders and Guidance to Screen Employees for COVID-19 and to Provide Protective Measures

Ogletree Deakins has released a state by state and major municipalities overview of COVID-19 closure and reopening orders. COVID-19 Closure and Reopening Orders – States and Major Municipalities

CHUBB released their Safeguarding Your Business and Employees guide with several critical government and public health protection sources for reference. These public health protection sources provide critical guidance and direction on a frequent basis for your business. Read more »

Looking for the website of a state or territorial health department? The CDC resource below links to health departments in all 50 states, 8 US territories and freely associated states, and the District of Columbia. CDC: State & Territorial Health Department Websites

Discover Boating unveiled an interactive map to help boaters get on the water during the COVID-19 pandemic. With boating access restrictions varying between states and changing daily, the new tool allows boaters to easily determine the status of their go-to waterways and access points. Interactive COVID-19 Access Map

The Marine Retailers Association of the Americas (MRAA), along with trade association partners from across the marine industry, released a 50+ page publication aimed at helping marine dealers operate safely in a new marketplace concerned with the COVID-19 health crisis. The publication, titled “Guide to Operating Your Boat Business Safely,” provides a manual for running an organization that is safe for employees, customers and communities across North America. Read more »

This communication is part of Gowrie Group’s ongoing commitment to provide our clients and partners with important COVID-19 risk management resources. The high-level guidelines contained in this report are intended to help Sailing Organizations navigate the decisions and planning that your organization is undertaking in a real time complex environment. Ultimately, the operational decisions of when to open, and what programs and services to offer, will need to be made by the organization’s leadership, officers, and legal counsel. The decisions and actions that each and every sailing organization need to make will look different; and what is possible and safe, will differ by state, type of sailing organization, available staff, and capabilities/capacity of each facility, location, and team. These are not easy decisions to make. The health, safety, and welfare of your members and staff should always be your top priority. Disclaimer: The guidelines and recommendations in this document are not legal or medical advice. Given the extremely fluid environment of COVID-19, all guidelines and recommendations are subject to change. Read more »

This communication is part of Gowrie’s ongoing commitment to proactively provide you with critical COVID-19 information during the actively evolving pandemic. The Coronavirus (COVID-19) outbreak continues to be a rapidly evolving situation that presents health and business risks on a global level. This document includes high-level guidelines and links to help you navigate your business operations, decisions, and return to work strategies during this complex time. Read more »

The coronavirus (COVID-19) pandemic has interrupted many businesses across the country. While it’s unclear how long COVID-19 will continue to affect organizations, many employers are looking to the future of employees returning to work. In preparation for reopening your business and asking employees to come back to work, it’s imperative that your company thoughtfully constructs a return to work action plan for its employees to keep everyone healthy and safe following the COVID-19 pandemic. Read more »

Return to Work Plans Following the COVID-19 Pandemic. The COVID-19 pandemic has interrupted many businesses across the country. While it’s unclear how long COVID-19 will continue to affect organizations, many employers are looking to the future of employees returning to work. Echoing the sentiments of public health officials, a return to normalcy won’t be like flipping a switch, but rather a gradual effort. In preparation for reopening your business and asking employees to come back to work, it’s imperative that your company thoughtfully constructs a return to work plan for its employees to keep everyone healthy and safe following the COVID-19 pandemic. Read more »

The National Marine Manufacturers Association (NMMA) released their Suggested Best Practices for Resuming Operations. This resource is intended as a set of best practices guidelines to help navigate through the rapidly changing environment of COVID-19. These guidelines include best practices for employees, customers, and suppliers along with suggested daily safety requirements and operations. Read more »

The Department of Environmental Management of RI has put forth guidelines for safe boating during COVID-19. The guidelines cover what to do before, during, and after each boat outing. Read more »

OHSA regulations require businesses to have Written Plans for all perceived emergencies. The impacts of COVID-19 have shown that a “Pandemic Plan” needs to be on that list of required written plans. A Pandemic Plan will not only help you plan ahead and prepare for your response, but also make sure that your business is ready to face the rapid decision making regarding when facing an emergency. Read more »

Rhode Island has issued Phase 1 Operational Guidance for Marinas, Boatyards and Yacht Clubs which will take effect on Friday May 1, 2020. The guidance focuses on 3 key areas of operation: general operations, employees and patrons. Signage is required with regards to safe boating and operations. Read more »

This informative table gives a general picture of benefits that may be available in certain COVID-19 work-related situations. The information is for informational purposes only, is not an exhaustive list of benefits, and should not be construed as legal advice. Read more »

States across the country have issued, and continue to issue, numerous mandates, regulations, and guidance relating to COVID-19. These mandates and guidelines address numerous responses, including States of Emergency, Shelter-in-Place, Gathering Size, Operations of Restaurants, School Closings, and Future Economy Reopening Plans. Nearly every state is enacting daily changes to their responses to COVID-19. Major changes are being documented and tracked by the Council of Insurance Agents & Brokers in this fluid document: CIAB State Guidance on COVID-19

During the COVID-19 crisis, the National Marine Manufacturers Association (NMMA) is tracking the status of access to the outdoors, including parks, boat ramps, beaches, and recreational boating. A state by state guide can be found on their website here. NMMA - COVID19 - State by State Outdoor Recreation Status

Late Tuesday April 21, 2020, CT updated its "Safe Workplace Rules for Essential Employers" to ease mask requirements for employees working in solitary spaces. Employees working alone in segregated spaces such as cubicles with walls and private offices may remove their masks. The full guidelines for "CT Essential Employers/Employees" can be found on the CT.GOV portal here. Guidelines for CT Essential Employers

Governor Lamont of Connecticut, Governor Cuomo of New York, and Governor Murphy of New Jersey, announced that as of 4/18 marinas, boatyards and marine manufacturers in their states will be allowed to open for personal use as long as strict social distancing and sanitization protocols are followed. Chartered watercraft services or rentals will not be allowed and restaurant activity at these sites must be limited to take-out or delivery only. The CT, NJ, and NY Marine Trades Associations worked together towards this action, in support of the marine industries. A special thank you to the CMTA who led this effort! Read more »

The AMI (Association of Marina Industries) has published guidelines for responsible boating during the COVID-19 crisis. Taking these actions will help marinas, marine services, and public docks to remain open. Following these simple guidelines will help keep boaters and marine employees safe, and allow recreational boating and boat usage to continue this Spring. The guidelines include: 1) Do not raft-up, 2) Do not congregate on docks, 3) Keep your distance from other boaters, 4) Limit passengers to members of your household, 5) Follow the CDC guidelines for Social Distancing and preventing spread. Read more »

The trend toward telecommuting and utilizing remotely located workers is expected to continue after the COVID-19 pandemic. While beneficial in many ways, the move toward home-based workers is not without some additional risk and exposure to the employer and employee. The same hazards presented by working in a physical “main” office are also present in a home-based office setting. This guide discusses the risks, exposures and solutions for important remote working topics including cyber safety, ergonomics, social interactions, time management, routines, breaks, and safety. Read more »

This timely message includes specific updates that pertain to the State of Rhode Island. We have also included links to additional COVID-19 resource pages to help our RI based clients stay current and informed amid this highly dynamic situation. The primary updates addressed in this communication are: 1) Operational Guidelines for RI Marinas, Yacht Clubs, and Harbors. 2) Information on the Newport RI Quarantine Order 3) Private beaches & parks close in RI on April 3rd. 4) CARES ACT 2020. Read more »

This communication is part of Gowrie’s ongoing commitment to proactively provide our clients with critical, timely COVID-19 information and updates. In this message we highlight two important federal COVID-19 actions. We also provided links to additional resource pages to help our clients stay informed amid this highly dynamic situation. Topics covered include: 1) CARES ACT 2020 and the Paycheck Protection Program. 2) Employee Retention Credit for Businesses Impacted by COVID-19. 3) FAQs on Federal Labor & Employment Laws. Read more »

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward. Read more »

The State of Rhode Island has just released Operational Guidance for Marinas, Yacht Clubs and Harbor Masters. These guidelines are created to ensure the safety of your staff, your customers and the residents of Rhode Island. Read more »

Waterway Guide is researching and presenting up-to-date and verified COVID-19 information specific to the status of access to marinas and marine facilities across the country. This digital resource provides an up-to-date list of the regulations and orders being issued by state and local governments, including updates. Recreational Marine and Waterfront Governmental Orders

We understand that companies and organizations will face substantial risks and perils during shutdowns, when operating as an essential businesses, and when facilities reopen and resume operations. Gowrie Group stands ready to advise you and help you navigate through these uncharted waters. This resource provides helpful tips and discussion points to address the major risks for each of these stages of operation. Read more »

Waterway Guide, Dockwa, AGLCA and Snag-A-Slip are reporting the changing status of access to marinas and docks during the evolving response to the spread of COVID-19. The information in this dynamic database is coming live from boaters, marinas, partners, the U.S. Coast Guard, our staff of on-the-water boating editors, and internal teams of experts. Marina Real Time Updates & Closures

In this dynamic, evolving global health crisis, it is important that you stay informed and up-to-date on the latest information and guidelines. Each of our 50 states and many local governments maintain active COVID-19 reference web-pages. The CDC, WHO, and national government also maintain active COVID-19 resource web-pages. We recommend you check these sites frequently to stay-up to date on the most current information for your location(s). This document provides direct links to these sources. Read more »

OSHA Alert to Prevent Worker Exposure to Coronavirus (COVID-19). COVID-19 is believed to spread from person-to-person, primarily through respiratory droplets produced when an infected person coughs or sneezes. The virus is also believed to spread by people touching a surface or object and then touching one’s mouth, nose, or possibly the eyes. This OSHA briefing provides guidelines for preventing exposure to COVID-19 in the workplace. Read more »

Families First Coronavirus Response Act: Employee Paid Leave Rights. The Families First Coronavirus Response Act (FFCRA or Act) requires certain employers to provide employees with paid sick leave or expanded family and medical leave for specified reasons related to COVID-19. The Department of Labor’s (Department) Wage and Hour Division (WHD) administers and enforces the new law’s paid leave requirements. These provisions will apply from the effective date through December 31, 2020. For more information visit: DOL's Families First Response Act Guidance Page

Gowrie Group is committed to proactively providing you with the most critical COVID-19 information you need, combined with providing you a direct link to our new Gowrie COVID-19 Advisory Risk Center so that you have self-service access to the most up-to-date information and advisory messages at all times. As always, we are also available to answer your questions and discuss your concerns by phone and email. You can contact your Gowrie Group account manager directly, or you can reach the Gowrie Group Team at 800.262.8911 or info@gowrie.com. Gowrie COVID-19 Advisory Risk Center

COVID-19 continues to plague the workforce, and employers and their employees are grappling with the challenges of managing the workplace amid this pandemic. Every industry has been affected and employers are faced with tough employment decisions. Our retained legal advisors at Ogletree Deakins offer an up-to-date FAQ Page on their website with the latest federal information and address topics including leaves of absence, work hours and shift changes, remote work, furloughs, related wage and hour issues, and potential reductions in force. (The Ogletree FAQ webpage offers general guidance based on U.S. federal employment law and the current medical assessment of COVID-19. State and local laws may apply, and medical assessments may change, resulting in different conclusions.) FAQS on Federal Labor & Employment Laws

The Occupational Safety and Health Administration (OSHA) developed this COVID-19 planning guidance based on traditional infection prevention and industrial hygiene practices. It focuses on the need for employers to implement engineering, administrative, and work practice controls and personal protective equipment (PPE), as well as considerations for doing so. Read more »

Coronavirus (officially named COVID-19) is having a growing impact on the global supply chain. The following report by HR Workplace Services offers important guidelines to review before implementing new workforce policies. Read more »

COVID-19 Advisory Update Message to Gowrie Group’s Clients & Partners. This 3/20/20 advisory communication is part of Gowrie’s ongoing commitment to proactively provide you with the most critical COVID-19 information you need, combined with providing you relevant direct links so that you have self-service access to the most up-to-date information and advisory messages at all times. Read more »

Graphic overview of smart policies for Social Distancing in the workplace. Read more »

COVID-19 is a rapidly evolving public health crisis that presents both health and business risks on an unprecedented global scale. We are providing this FAQ document to help address some of the most common questions we are hearing from our clients. Topics addressed in this advisory message include Workers Comp, OSHA, Claim Chains, Business Interruption Insurance, and guidelines for those operating "Essential Businesses." This FAQ is not a substitute for consulting with your Gowrie Group account manager directly, and/or the insurance company which underwrites your policy(s). Note, only the insurance company can determine if there is coverage afforded under your specific policy(s). Read more »

This COVID-19 advisory message focuses on Management Liability Insurance, specifically as it pertains to D&O, EPLI, and Cyber Insurance issues related to COVID-19 impacts. Read more »

We are facing a truly unprecedented situation. The global Coronavirus COVID-19 pandemic is affecting everything - our home life, our businesses and our communities. Our hearts go out to anyone who’s been impacted by the virus, either directly or indirectly. Especially to those who are sick we extend our wishes for a fast and full recovery. Gowrie Group, and our parent company Risk Strategies, are striving to balance the safety and health of our colleagues, clients, distribution partners, supply chain and other stakeholders, while preserving business continuity and the quality of technical expertise, advice, and client service that defines our company. This communication details our current actions to navigate this unprecedented situation. Read more »

As Gowrie Group and many of our clients move towards a remote working environment, it is helpful to empower our teams with information, tips, and resources for how best to operate remotely. Gowrie Group's Guide for Productively Working Remotely During COVID-19 has the best practices and guidelines to help you and your teams navigate these changes in the workplace. Read more »

COVID-19 Advisory Message - Claims & Loss Control Read more »

As concerns about the COVID-19 virus continue to rise, employers must know the facts to educate their workers on what it is, how it spreads, and what can be done to protect the workforce and business. Read more »

Our focus is on serving clients during this time by assessing their risks and analyzing coverage to determine if their losses are covered. Risk Strategies, our parent company, is a national specialty insurance firm with experts in over two dozen practice areas. Together we have deep subject matter expertise and access to markets. We’ve compiled this resource to identify the main risks and considerations across our practice areas and to present actionable solutions. Read more »

The Coronavirus (COVID-19) outbreak is a rapidly evolving situation that presents both health and business risks on a global level. Your VFIS/Gowrie Team, and our parent company Risk Strategies, are continuously monitoring developments worldwide, nationally, and at the state and local levels. Our teams of risk advisors are working diligently in order to help you assess contingency plans, understand coverages, and keep your workforce safe as the situation unfolds. To better understand the coverages, and how to report potential claims, please reach out to your VFIS/Gowrie representative directly. You can reach the VFIS/Gowrie team at 888.834.7763 or vfis@gowrie.com. Read more »

The Coronavirus (COVID-19) outbreak is a rapidly evolving situation that presents both health and business risks on a global level. Gowrie Group, and our parent company Risk Strategies, are continuously monitoring developments worldwide, nationally, and at the state and local levels. Our teams of risk advisors are working diligently in order to help you assess contingency plans, understand coverages, and keep your workforce safe as the situation unfolds. Read more »

The Coronavirus (COVID-19) outbreak is a dynamic, rapidly evolving situation that presents enormous challenges to both health and business risks on a global scale. Gowrie Group, and our parent company Risk Strategies, are continuously monitoring developments worldwide, nationally, and at the state and local levels. Our teams of risk advisors are working diligently in order to help you assess contingency plans, understand coverages, and keep your employees, members, and guests safe as the situation unfolds. Read more »

The coronavirus (COVID-19) outbreak is a rapidly evolving situation that presents both health and business risks on a global level. Risk Strategies (Gowrie Group’s parent company) is monitoring developments worldwide and our team of risk advisors is working diligently to continue to help you prepare contingency plans, understand coverage, and keep your workforce safe as the situation unfolds. Read more »

How often does lightning really strike boats? In the last ten years (2009 to 2019), Gowrie Group’s yacht clients filed 111 lightning claims, resulting in almost $2,250,000 in lightning related damages, with an average claim size of $20,000. In the five years prior to that (2004 to 2009), Gowrie yacht clients had 71 lightning claims, resulting in over $1,300,000 in lightning related damages. Sailboat strikes outnumbered powerboat strikes by a 3:1 ratio. What can be done to protect your boat? Read the Risk Report to find out! Read more »

As Hurricane DORIAN strengthens and approaches Florida, the Bahamas, and the Southeastern Region of the US, we want you to know Gowrie Group is standing by to provide you with storm preparation resources, claims reporting information, and recovery support. Projected Storm Path & Timing: The National Hurricane Center (NHC) is currently forecasting that DORIAN will make landfall in Florida on Monday or Tuesday of next week as a Major Hurricane, and that Tropical Storm force winds will begin impacting Florida and adjacent states starting early this weekend. Although the exact storm track is always uncertain, devastating storm surge, flash flooding, heavy rainfall, and extreme winds are expected across all of Florida and many southeastern states in the coming days. We advise you to keep a close watch on DORIAN and to begin preparation steps now. For claims reporting information and direct reporting hotlines visit Gowrie's Claims Reporting page. If you have any questions regarding your insurance policies, storm preparation, or claims, please contact your Gowrie Group account manager directly, or you can reach the Gowrie Group team using our general contact information listed below. Thank you and be safe!

Gowrie Group to sponsor two Waterfront Resiliency seminars for Marinas and Yacht Clubs. Join RACE Coastal Engineering and Steve Schram, Gowrie Group’s Risk Management Specialist, in an engaging round table discussion on waterfront resiliency and storm response. Topics will include: Storm Preparation and Managing Risk; Storm Damage Assessment and Response (including structural issues such as piers, docks, pilings, seawalls, foundations, breakwaters, and more); Facility Planning for a Resilient Future. Two roundtable events will be held: Wednesday, April 3rd at Larchmont Yacht Club from 7-9pm and April 11th at Pine Orchard Yacht Club, from 7-9pm. This is a FREE event/seminar. To RSVP and learn more, contact steves@gowrie.com or anne@racecoastal.com. Read more »

Gowrie Group and VFIS are pleased to invite you to register for the 2019 VFIS Emergency Vehicle Driver Train-the-Trainer class. Dates: May 23, 8:30-3:30pm, May 24, 8:00-3:30pm Location: Litchfield County Regional Fire Training School, 606 Burr Mountain Road, Torrington, CT 06790 Read more »

Kellie Crete and Whitney Peterson of Gowrie Group presented an engaging seminar to sailing educators, industry experts, and sailing program directors at the 2019 US Sailing National Sailing Symposium. Their seminar covered 10 Actionable Ways to Make Sailing Programs Safer. Topics included: Drones, Emergency Action Plans, VHF Radio Usage, Docks & Floats, Boat Racks, Electric Shock Drowning, Electrical Cords, Electrocution, Fire Extinguishers, Flammables & Gas Storage, Prop Guards, and Safety Tools & Templates. Read more »

Gowrie Group has teamed with Chubb Marine to share with you this safety-focused checklist on how to prepare your marina, boat yard, or yacht club for the upcoming off-season. The checklist covers six key focus areas – General Safety, Self-Propelled Trailers, Boat Hoists, Marine Forklifts, Blocking, and Rack Storage – that will help you identify and reduce the likelihood of an accident, injury, or future claim situation. Click here to download a copy of the checklist. Read more »

As Hurricane Michael approaches Florida and the Gulf Coast, we want you to know Gowrie Group is standing by ready to help you with advice, storm preparation resources, claims reporting information, and recovery support. The National Hurricane Center is forecasting that Michael will make landfall along the Gulf Coast on Wednesday October 10th as a Category 4 storm. Although the exact storm track is still uncertain, Hurricane and Tropical Storm Warnings and Watches are in effect for more than 300 miles of coastline and adjacent inland areas. Potentially devastating storm surge, flooding, rainfall, and wind are expected along much of the Gulf Coast and along the storm’s path. Please keep a close watch on this storm over the next several days and begin preparation steps now.

Our Safety & Loss Control Manager, Kellie Crete had the opportunity to work with the attendees of Rhode Island Marine Trades Association Pre-Apprenticeship Program. Kellie taught a 10 Hour OSHA General Industry Safety Course for them and provided Respirator Fit Testing. This class was held at the brand new Westerly Education Facility, it is AMAZING! Gowrie Safety Training Services

As Hurricane Florence approaches the East Coast, we want you to know Gowrie Group is standing by ready to help you with advice, storm preparation resources, claims reporting information, and recovery support. Hurricane Florence continues to intensify and presents extreme danger to the East Coast. The National Hurricane Center is forecasting that Florence is likely to be a strong Category 4 Hurricane when making landfall along the Southeast or Mid-Atlantic coast on Thursday, September 13, 2018. Although the exact storm track is still uncertain, States of Emergency have already been declared for South Carolina, Maryland, North Carolina, and Virginia. Potentially devastating storm surge, flooding, rainfall, and wind are expected along much of the East Coast and adjacent inland areas. Please keep a close watch on this storm over the next several days and begin preparation steps now.

Gowrie Group and VFIS are pleased to be hosting an Emergency Vehicle Driver “Train-the-Trainer” Class in Springfield, MA, Oct 17, 2018 . This training will take place during the Massachusetts EMS Conference at the Mass Mutual Center. This course is designed to teach the instructional methodology to potential and existing instructors needed to deliver the following program. The operator of emergency vehicles in today’s society carries a heavy responsibility. The penalty for not adequately training your operators also carries legal consequences. Emergency vehicle operators and the entities they represent have been held both criminally and civilly responsible for their actions. This program was developed to teach the emergency vehicle operator (EVO) proper driving technique, the mental as well as the physical aspects of the driving task. The program points out the long-term impact of an accident involving an emergency vehicle on the operator, the emergency service organization and the community in which they serve. To learn more and enroll Read more »

One of Gowrie Group’s core principles is to help our marine industry clients and partners manage and mitigate their exposures to risk. In the marine trades segment, understanding environmental responsibilities and the financial consequences of releases of petroleum or hazardous substances into navigable waters, or to adjoining shorelines, is critically important. This Risk Report addresses how to prevent, prepare, and respond to a release or spill into our waterways. Read more »

Drone uptake is growing at a steep trajectory, and sailors, sailing organizations, and the sailing industry are taking notice. Before joining in the fun, Gowrie Group recommends that all drone operators and drone owners take time to understand the related FAA regulations, industry requirements, insurance needs, and safety best practices. Significant insurance coverage gaps can arise because there is often an aviation exclusion in standard Commercial General Liability policies for owned drones. Flying a drone without coverage can expose you, your assets, and your organization to significant lawsuits and claims for bodily injury or property damage. To meet this coverage gap, Gowrie Group is pleased to offer our clients two options for purchasing Drone Insurance: an episodic hourly policy by Verifly and an annual policy through Global Aerospace. Both solutions can be purchased online. Gowrie's Drone Insurance Solutions

Gowrie Group has partnered with Verifly, the leading on-demand drone insurance company, to bring our clients flexible drone insurance. Many organizations and individuals may be operating drones without realizing they may have a significant coverage gap. The coverage gap arises because there is often an aviation exclusion in standard Commercial General Liability policies for owned drones. Gowrie Group and Verifly will work together to educate their clients on drone safety, drone regulations, and recommend Verifly's episodic, on-demand drone insurance solution to Gowrie Group’s clients that are looking for a flexible, hourly insurance solution. Learn more about this new on-demand drone insurance solution at www.verifly.com/gowrie and Read Our Drone Risk Report

Electricity can be an invisible, sometimes fatal, danger in our waters. It most frequently strikes near boat marinas and powered docks. With boating season just around the corner, now is the time to learn what causes Electric Shock Drowning (ESD) and what preventative steps you can take to make sure it doesn't happen. Learn more by reading Gowrie Group’s updated Risk Report on this topic. Read more »

Beginning early Wednesday and continuing through Thursday morning, a nor'easter is expected to bring heavy snowfall and strong winds. Please visit our Gowrie Group Winter Storm Center for storm prep tips, safety recommendations and claim reporting information.

Beginning tonight and continuing through Wednesday, a nor'easter is expected to develop off the East Coast and bring heavy snowfall and strong winds. Please visit our Gowrie Group Winter Storm Center for storm prep tips, safety recommendations and claim reporting information.

Chubb's marine loss control specialists offer this helpful list of best practices to educate yacht clubs and marinas on how to ensure their docks are electrically safe and sound. Read more »

According to the National Weather Service, a powerful Nor'easter is expected to bring snow, ice, sleet, strong winds, and rough surf to coastal locations of the Southeast, Middle Atlantic, and New England, starting Wednesday and continuing into Thursday and Friday. Significant potential exists for dangerous travel, scattered power outages, tidal flooding, and dangerously cold wind chills. To help you stay safe and prepare, we invite you to visit the Gowrie Winter Weather Center.

Severe cold weather is forecast for the next week! To help you stay safe, protect your property, and prepare, Gowrie Group invites you to visit our Winter Weather Center to access detailed information and preparation guidelines. Winter Weather Center

Kellie Crete, Gowrie Group’s Safety & Loss Control Expert will be leading a webinar for marine industry professionals on January 3rd, on Blood Borne Pathogens safety in the workplace. This webinar is for you if you or your employees work on holding tanks or marine heads, work at a pump-out dock, are part of a first aid response team, or if you clean your own restrooms. Learn more

The latest edition of US Sailing's "This Is What We Do" video series features Carter Gowrie, CEO of Gowrie Group and the architect of the Burgee Insurance Program, discussing the importance of preparing, protecting, and insuring your sailing organization. Watch Video Now

Chubb Marine offers these tips for how to protect commercial marinas and yacht clubs from severe storms and hurricanes. The guide offers important steps commercial marinas and yacht clubs can take before, during and after a hurricane to help minimize damage and assist in the recovery. Read more »

Hurricanes have the power to cause widespread devastation, and can affect both coastal and inland areas. FEMA offers this guide for how to protect yourself and your property, and details the steps to take now so that you can act quickly at a time when every second counts. Read more »

The Hartford Insurance offers these guidelines and safety tips for preparing your business for hurricanes and severe storms. Read more »

Propeller guards can add an important margin of safety for boats operated around children, sailors, and swimmers. However, safe power boat operation should always be the primary safety measure. Read our Prop Guard risk report to learn more. Read more »

Gowrie Group is proud to be a Platinum Sponsor of US SAILING's National Sailing Programs Symposium to be held in Austin, Texas this week! We look forward to presenting two seminars: Kellie Thornell Crete will be presenting a seminar on "Sailing Program Facility Safety." Whitney Connor Peterson will be presenting a seminar on "Practicing Your Emergency Response Plan." http://nsps.ussailing.org/

Kellie Crete, Gowrie Group's Safety & Loss Prevention Expert, is speaking at the 15th Annual International Marina & Boatyard Conference (IMBC) on Jan 27th at the Broward County Convention Center, located in Fort Lauderdale, FL. Kellie's seminar, "FIRE", will explore the physical and environmental risk factors that can lead to devastating fires, and how smart fire safety and fire prevention practices can help to mitigate fire risk. The seminar will also examine the personal, financial, and environmental toll that often smolder long after the flames have all been extinguished. Read more »

"Marine Industry growth through Collaboration, Communication and Education." Steve Prime from Gowrie Group is proud to be a featured speaker at the upcoming Massachusetts Marine Trades Association Professional Development Conference on January 19, 2017. His seminar, "LETS TALK MARINE INSURANCE," will cover important topics such as: Additional Insureds, Jones Act, USL&H, Dock Values, Radius of Navigation, and Social Engineering Fraud. Read more »

Kellie Crete, Gowrie Group's Safety & Loss Prevention Expert, is speaking at the 15th Annual International Marina & Boatyard Conference (IMBC) on Jan 27th at the Broward County Convention Center, located in Fort Lauderdale, FL. Kellie's seminar, "FIRE", will explore the physical and environmental risk factors that can lead to devastating fires, and how smart fire safety and fire prevention practices can help to mitigate fire risk. The seminar will also examine the personal, financial, and environmental toll that often smolder long after the flames have all been extinguished. Read more »

Each year, more than 4,500 workers are killed on the job and approximately 3 million are injured. The following 10 Workplace Safety & Health Violations, which are the most frequent citations reported by OSHA during workplace inspections, account for the majority of those deaths and injuries. Nearly all of these deaths and injuries could be prevented through the implementation of proactive safety training and safe workplace policies. Read more »

Gowrie Group, New England’s premier insurance agency, is proud to be the presenting sponsor of the upcoming New England Museum Association’s Annual Conference. The conference is being held in Mystic Connecticut on November 9-11, 2016. The Welcome Opening Reception, presented by Gowrie Group, will be hosted at the Mystic Seaport. Kellie Crete, Gowrie Group’s Safety & Loss Prevention Manager, will be leading an interactive seminar at the conference called, “A Night at the Museum: How to Identify and Mitigate Museum Risk.” Read more »

VFIS is introducing its latest Emergency Vehicle Driver Training instructor update, the 2016 edition, by webinar. The webinar is free of charge to Gowrie/VFIS clients and non-clients. The webinar is approximately 2 hours of interactive program delivery. November 10, 15, and 17. To learn more and enroll: Read more »

Gowrie Group was proud to be a Gold Sponsor of the Massachusetts EMS Conference held Oct 6-7th. There were over 160 attendees and 40 exhibitors at the conference. It was a great opportunity to connect with our customers and build new relationships throughout the New England area.

Hurricane HERMINE continues to intensify and track in a Northeasterly direction. While the exact track is still uncertain, Hurricane warnings or watches have been issued from Florida to New Jersey. We advise you to keep a close watch on this storm over the next several days and to begin preparation steps early. Visit Gowrie Group's Severe Storm Center to access smart advice and resources for how to best prepare, respond, and recover from severe weather. www.gowrie.com/stormcenter Read more »

VFIS is introducing its latest Emergency Vehicle Driver Training instructor update, the 2016 edition, by webinar. The webinar is free of charge to Gowrie/VFIS clients and non-clients. The webinar is approximately 2 hours of interactive program delivery. Five webinars slots are offered between Sept 8-14th at various times. To learn more and enroll: Read more »

Gowrie Group and The Burgee Insurance Program are proud to offer important safety materials and resources to sailing organizations nationwide. We believe one of the most important documents that all sailing organizations should have in place is an Emergency Action Plan (EAP). As you create and practice your EAP, Gowrie Group recommends you also review these 6 Tips to empower your team to respond to an emergency as quickly, safely, and effectively as possible. Read more »

Many people, even experienced marine industry employees, have never heard of Electric Shock Drowning. And even those that have heard of ESD typically don’t realize how many common situations can put people at risk. Learn more from Gowrie Group’s Risk Report on understanding Electric Shock Drowning.

Gowrie Group recently made a $1500 donation to New England Science & Sailing Foundation (NESS) specifically for the purpose of purchasing more than a dozen VHF handheld radios. VHF radios are a vital safety and communication resource for NESS staff members throughout the year. Read more »

On June 8th & 9th, Gowrie Group's Safety & Loss Control expert, Kellie Crete, is teaching a 10-Hour OSHA Outreach Training Program designed specifically for boatyard, yacht club, community sailing, and marina employees. The program provides training for workers and employers on the recognition, avoidance, abatement, and prevention of safety and health hazards in workplaces. The program also provides information regarding workers' rights, employer responsibilities, and how to file a complaint.

Soon boats will be launched, kids will be swimming, sailing programs will start, and marinas will be in full operation. With this in mind, now is a good time to increase your knowledge of Electric Shock Drowning (ESD). Many people have never heard of ESD, and those that have typically don’t realize the common situations that can be putting people at risk for ESD. Read more »

Line of Duty Injury and Disability Retirement Seminar sponsored by Gowrie Group. Chief Roy McNamee (ret.) representing Gowrie Group, and Attorneys John J. Clifford Esq. and Jaime L. Kenny Esq. representing Clifford and Kenny LLP will present information and answer questions on how to effectively manage a line of duty injury claim and disability retirement claim in your organization. May 17, 2016; Barnstable, MA. Read more »

Despite background checks, “bad actors” sometimes slip through the cracks. If one of these individuals is your nanny, driver, housekeeper, or gardener, they may represent your greatest threat for a significant lawsuit, especially if your relationship with them takes a turn south. In addition to the risk of mis-hiring, employer behavior can be misinterpreted and mistakes made. Affluent families with household help should talk to their agents about the benefits of a standalone employment practices liability insurance policy (EPLI) or an endorsement to their existing personal liability policy. While many states don’t require employers to obtain workers’ compensation insurance for their domestic employees, purchasing workers compensation for domestic help is prudent risk management. Lacking this, you could face significant exposure if one of your domestic workers is injured on the job or becomes ill, and choses to file a lawsuit. www.gowrie.com/frm

You’ve worked hard to build a great life for your family. How do you protect what you’ve earned going forward? You’ve built a life full of promise. The question is, are you properly covered to protect your way of life should any number of perils that did not exist even five years ago present themselves? The professionals at Gowrie Group, Connecticut’s largest independent personal insurance agency, lie awake at night worrying about all you have to lose, so that you don’t have to. Read more »

It is time to prepare for the upcoming boating season. As you ready your boats and family for a safe and enjoyable season, we encourage you to take the time to review these helpful resources. Read more »

The Burgee Program and Gowrie Group have developed an Emergency Response Plan "Card" Template to give clubs and community sailing programs a strong starting point from which to create an Emergency Card for their specific location. This template has been developed collaboratively with input from safety experts at Gowrie Group, US Sailing, and sailing programs across the country. The card is designed to be posted in the sailing facility and to be laminated for use in safety boats. Read more »

Meet The Burgee Insurance Program, the most comprehensive insurance program available to sailing clubs, community programs, and sailing organizations. The program is endorsed by US Sailing, underwritten by Chubb, and managed by the marine insurance experts at Gowrie Group. Gowrie Group is proud to say that we insure more than 1,000 sailing organizations nationwide, including more than 100 community sailing programs. One of the best things about the Burgee Insurance Program is the special coverage that is built into the program to protect sailing organizations when they are doing what sailing organizations always do - run regattas, host social events, teach sailing, sponsor rendezvous, and borrow boats. The program also has the right coverage in place for your historic clubhouse, treasured trophies, docks & floats, club owned boats, flag officers, members, volunteers, employees, and more. Read more »

Important recommendations from ACE to prepare your boat or yacht for fire emergencies: where to locate, what type(s) you need, how to maintain, how to use, and more. Learn what you need and how to handle emergency fire situations on boats. Read more »

Our insurance carrier partners and our clients continue to see a dramatic increase in attempted – and successful – Social Engineering Fraud attacks. We advise you to take the time to understand what these attacks look like, train your employees, evaluate your internal controls, and contact us to discuss strategies to improve your crime and cyber coverage. Read more »

Gowrie Group is proud to be the Platinum Sponsor of the US Sailing Leadership Forum 2016, to be held Feb 4-6th in San Diego. Our presentations include: Insurance Doesn't Matter Until it Does, Junior Sailing Program Safety, JR Sailing Volunteer Chair Survival Guide, and Regatta Safety. More than 1000 yacht clubs, community sailing program, and sailing industry leaders will be in attendance. Representing Gowrie Group will be Whitney Peterson, Steve Prime, Dan Cooney, Kellie Crete, and Rick Bagnall. Read more »

Dawn Speros and Steve Prime of Gowrie Group will be giving an e-seminar on "Social Engineering & Funds Transfer Fraud" to members of the Yacht Brokers Association of America in February. Dawn Speros and Steve Prime are both marine insurance experts; Dawn specializes in yachts and Steve in marine companies and yacht clubs. Seminar Description: There is an increasingly common type of crime known as “Social Engineering” funds fraud, and 59% of attacks are directed at small and medium sized businesses. Social Engineering Fraud Defined = when an employee is intentionally misled into spending money or diverting a payment based on fraudulent information that is provided to them in written or verbal communication such as an email, fax, letter or even a phone call. Read more »

Our partners at VFIS have published a free cyber self-assessment check list for organizations and companies. 1. Take stock. Know what personal information you have in your files and on your computers. 2. Scale down. Keep only what you need for your business. 3. Lock it. Protect the information that you keep. 4. Pitch it. Properly dispose of what you no longer need. 5. Plan ahead. Create a plan to respond to security. Download the PDF for the full list. Read more »

In today's world, where hacking is the new home break-in, it is becoming increasingly difficult for families to protect themselves and their assets from new and emerging threats. Gowrie Group's Family Risk Management (FRM) solution is an innovative new approach to help affluent families reduce and manage their overall exposure to new and latent risks, including cyber-crime, social engineering fraud, teen drivers, domestic help, and more. To announce this innovative new program, Gowrie authored an informative white paper and infographic – New and Latent Threats to Affluent Families – to assist people with understanding the new and emerging risks families and individuals are facing today. Read more »

To support the announcement of Gowrie Group's Family Risk Management solution, Gowrie has published an informative white paper and infographic – New and Latent Threats to Affluent Families – to assist people with understanding the new and emerging risks families and individuals are facing today. This white paper and accompanying infographic are available for complimentary download on Gowrie's website. Download Here.

Your accounting department receives new wiring instructions from a trusted vendor. No problem, right? It could be fine, but what if they are mistaken and the email is from someone posing as your vendor. There is an increasingly common type of crime known as “Social Engineering” funds fraud, and 59% of attacks are directed at small and medium sized businesses . In today’s digital and connected world, attackers of this type hide in the anonymity of cyber space; and they pose as a trusted vendor, prospect, client, or employee to deceptively gain the confidence of an employee and induce them to part with money. Read more »

Gowrie Group Claim Services will be presenting a seminar on November 5th in Stoneham MA to municipal officials. The seminar will cover Chapter 41, Sections 100 and 111F Claims, and their administration for municipal officials. Presenters include Chief Roy B McNamee, EFO Ret. Managing Director of Gowrie Claims Services; and John Clifford, Esq., and Jaime Kenny Esq. of Clifford & Kenny, LLP. To RSVP, contact Gowrie Group at 781.536.6920x1603. Read more »

Hurricane JOAQUIN continues to intensify. While a complicated atmospheric pattern is making its exact future track difficult to predict at this time, a potential East Coast landfall is possible. Extreme flooding is also a strong possibility. We advise you to keep a close watch on this storm over the next several days and to begin preparation steps early. Gowrie Group's Severe Storm Center contains smart advice and resources for how to best prepare for, respond to, and recover from severe weather. Read more »

Summer is here and that means hotter weather and higher risks for heat related illnesses such as heat stress. Many occupations require work in hot environments for long periods of time. Following these safety guidelines can effectively reduce the risk of heat illnesses. Read more »

Hurricanes have the potential to cause significant disruption in the operations of facilities. In order to minimize the potential for a public impact and to provide continuity of operations, consider the following actions before and after a hurricane impacts your facilities. Each facility/town should have a site specific Emergency Response Plan. Read more »

Safe storage of propane cylinders/tanks, combined with understanding how propane responds to environmental conditions, helps ensure that tanks are not damaged and do not cause damage to surrounding property. Proper storage prevents explosions and prevents having tanks “rocket” through facilities and/or properties. This Gowrie Group Risk Report provides an overview of safe propane storage and handling. Read more »

The 2015 Hurricane Season runs from June 1 to November 30. Gowrie Group encourages you to take time now to update your family’s emergency plan, outline your plan to secure your boats and protect your property, and restock your storm kits. Visit our Hurricane Storm Center to access detailed preparation resources and guides. Hurricane Storm Center

Gowrie Group / VFIS are proud to be on the scene helping local communities by providing safety training to local fire departments. More than 30 students from fire departments and EMS organizations from across Connecticut and Rhode Island attended the engaging “train-the-trainer” Emergency Vehicle Driver Class held at the CT Fire Academy in Windsor Lock on May 7th & 8th. The course was organized and sponsored by Jeff Rudzavice of Gowrie Group. The attendees were taught the instructional methodology needed to deliver this program to others. The operator of emergency vehicles in today's society carry a heavy responsibility. This program teaches emergency vehicle operators proper driving technique and the mental as well as the physical aspects of the driving task. View class photo >> Read more »

Portable fire extinguishers can be found everywhere; in homes, in the workplace, on boats, in vehicles. But just having extinguishers around is not enough, especially in the workplace. When extinguishers are provided for use by employees, OSHA’s standards for placement, use, maintenance, and testing must be complied with – both for safety and to avoid multiple $7,000 fines. Read more »

As you ready your boat for a safe and enjoyable season on the water, take the time to review these helpful preparation resources. Spring is also a good time to double check your insurance policies and make sure your specified launch date (lay-up) and cruising area (navigation) align with your boating plans for the year. Read more »

Every company, regardless of size and industry, is a potential target for crime and fraud. Statistics and surveys show this to be one of the fastest growing problems business face today. External forces such as the changing economic environment, advancements in technology and media, rapid expansions, mergers & acquisitions, coupled with internal forces such as increased employee trust, inadequate supervision, entitlement attitudes, and poor morale, are driving the increase in and prevalence of employee fraud. To manage the risk of employee fraud, companies should implement smart loss prevention measures and speak to their insurance agent to secure adequate Crime Coverage. Read more »

Soon boats will be launched, kids will be swimming, sailing programs will start, and marinas will be in full operation. With this in mind, now is a good time to increase your knowledge of Electric Shock Drowning (ESD). Many people have never heard of ESD, and those that have typically don’t realize the common situations that can be putting people at risk for ESD. Read more »

Gowrie Group is proud to announce their sponsorship, in collaboration with US Sailing, of the Standards Collaboration Initiative Leadership Team 2015 Conference. At this conference, grantees will explore ways to collaborate on the Coast Guard’s Collaboration initiative to Finish, Organize and Distribute/Use the menu of standards that will be part of a National System of Standards For Recreational Boat Operation. This System of Standards will be recognized by the Coast Guard and used to raise the overall quality and availability of recreational boating education across the country. The goal is to maximize the impact each grant has on raising the overall quality and availability of entry-level recreational boating instruction across the country. The conference will be held March 30th in Miramar Beach, FL. Read more »

Why should you take the time to prepare a float plan? There are just too many facts that need to be accurately remembered and ultimately conveyed in an emergency situation. A float plan documents the details of an intended voyage and is filed with a family member, friend, neighbor and/or marina operator on shore. The USCG Float Plan is useful for all types of boats: small skiffs to 48-foot express cruiser to 90 foot sport-fishing vessel to luxury yacht. Print and file a plan before you go. Visit http://www.floatplancentral.org/. Read more »

Safe boating practices should begin before you even launch or leave the dock. AIG Private Client Group offers pointers to assist with anticipating and preparing for unforeseen circumstances. Read more »

Discover Boating shares an easy to use checklist to ready your boat for launch. Read more »

Some suggestions from ACE Recreational Marine Insurance that will help ensure your vessel will be ready for a successful launch, and safe and enjoyable boating season. Read more »

Kellie Crete, Gowrie Group's Safety & Loss Control expert, will be presenting a safety seminar to sailing program directors from 40 clubs/programs on March 7, 2015 at Larchmont Yacht Club. Her session, "360 Degrees of Risk Management" will focus on educating the group on how to make their Junior Sailing teaching areas safer for all. Participants will learn about simple modifications and changes that can be made to greatly improve a program's overall safety standards and prevent problems before they even happen. This event is sponsored by JSA of Long Island Sound.

While Electric Shock Drowning (ESD) remains a persistent threat, heroic efforts are being made to encourage boaters and the industry to help prevent these needless fatalities. Through the lens of a boating family’s first-hand account, this article explores the danger, causes and solutions for the deadly phenomenon of ESD. Read the article by ABYC Master Technician Mike Telleria, as originally published by Boating Magazine. Read more »

Winter weather creates a variety of hazards and risks that can significantly impact everyday tasks and work activities. People that are outdoors in cold environments for extended periods of time can be at risk for Cold Stress and other cold induced injuries. Learn more about the risk factors, common cold induced injuries (hypothermia, frostbite, trench foot), and safety guidelines for prevention. Read more »

Gowrie Group's Safety & Loss Control expert, Kellie Crete, will be offering a 10-Hour OSHA Outreach Training Program designed specifically for boatyard, yacht club and marina employees. The program will provide training for workers and employers on the recognition, avoidance, abatement, and prevention of safety and health hazards in workplaces. The program also provides information regarding workers' rights, employer responsibilities, and how to file a complaint. Dates: March 30/31, 2015. Register online. Read more »

Gowrie, VFIS and the Connecticut Fire Academy are partnering to present this helpful risk management program to the state's municipalities and public safety providers. The program is designed to teach the instructional methodology to potential and existing instructors needed to deliver Emergency Vehicle Driver Training. Date - March 7 & 8, 2015. Location - Windsor Locks, CT. Read more »

Gowrie Group and VFIS are sponsoring an Emergency Vehicle Driver Training Seminar for instructors. This course is designed to teach the instructional methodology needed to deliver the training to others. This program was developed to teach the emergency vehicle operator (EVO) proper driving technique, the mental as well as the physical aspects of the driving task. Date: May 9, 2015. Location: West Barnstable Fire Department, MA Read more »

A detailed article by INAMAR Recreational Marine about potential moorings problems and smart solutions. Read more »

Gowrie Group provides useful safety materials and guides to clubs and sailing organizations insured through the Burgee Insurance Program. This weekly checklist can be used as part of an overall safety program. www.burgeeprogram.com Read more »

Gowrie Group and The Burgee Program are excited to announce that we have released an updated version of our Junior Sailing Safety Manual. This useful manual helps clubs and sailing organizations develop and grow safe, successful junior sailing programs. New content includes updated class ratio recommendations, emergency response template, media release forms, discipline policy, walk around inspection check-lists, and more. To inquire about obtaining the complete editable copy email the Burgee Team. Download a copy of the extract to review now. Read more »

VFIS / Gowrie Group were a featured exhibitor at the June 2014 New England Fire/EMS Expo, the region’s largest conference for emergency responders. Gowrie Group and VFIS also provide the insurance for this event, which is held each year in West Springfield, MA. Jeff Rudzavice, a member of Gowrie’s municipal team commented, "The show continues to be a great opportunity to meet with our 600+ municipal clients from Maine to CT. We also count exhibitors as our customers too, so it was an enjoyable reunion with our many friends in public safety.” Read more »

Live Well, Work Well. Tips on how to bust fat myths, practice safe stretches such as Pilates, information on strokes/stroke awareness month, and how to save monthly for an unexpected emergency. Read more »

With spring here, it is time to prepare for the upcoming boating season. To ensure your boat is ready for a safe, enjoyable season on the water, take the time to review the below boating safety and launch preparation resources. Read more »

Financial Advisers need to understand the basics of flood insurance to help their clients make smart decisions related to coastal and flood prone properties. Example questions: What should be recommended to a client buying a coastal home? What if they already own a flood prone home? Read more »

Gowrie is excited to announce that Rick Bagnall has joined the company's growing benefits and healthcare division. Rick will focus on Crew Medical Insurance, Association Marine Health Insurance, and Employee Benefit Consulting. Rick brings to Gowrie Group deep marine industry expertise and a unique ability to create new medical insurance programs for marine oriented teams, groups, and industries Read more »

Sailors are known for enjoying themselves in the party tent after a day on the water. How can your sailing organization ensure members and sailors drink responsibly and ensure the organization is protected if an accident does occur? Read more »

Superstitious people consider walking under a ladder to be bad luck, but most real ladder danger arises from misuse or defective ladders. Falls are a common occupational hazards; falls from ladders make up nearly a third of fall related deaths. Common sense, thinking before climbing, and following safe usage and selection guidelines can help prevent ladder falls, injuries, and deaths Read more »

"Gowrie Group was recognized with a special award by the Rhode Island Association of Fire Chiefs’ Foundation (RIAFC) at their Annual Dinner. The event was attended by more than 200 people. The award was in appreciation of Gowrie Group / VFIS’s support of the RIAFC Honor Flight Network. The RIAFC Foundation is the nonprofit arm of the state’s association of fire chiefs. The association also acts as a local hub or chapter of the Honor Flights Network (HFN). HFN is a nonprofit organization which transports America’s military veterans to Washington, DC to visit their memorials and recognize their service and sacrifices. Chief George Farrell, president of the association said when presenting the award, “Gowrie Group has been a friend and strong supporter of not only the association but also in particular our Honor Flights project. Brad Preston, of Gowrie, is also a veteran and we appreciate his involvement in our work.” Brad Preston, partner of Gowrie Group, said when accepting the award, “We’re honored. We cannot imagine a better group of people or a more important cause. We’re fortunate to be a part of the Foundation’s work on behalf of both the state’s fire service and local military veterans.” "

The Occupational Safety and Health Administration (OSHA) requires employers to post OSHA Form 300A each year from February 1st to April 30th. This summary form must include the total number of job-related injuries and illnesses that occurred in 2013 and that were logged on OSHA Form 300, Log of Work-Related Injuries and Illnesses Read more »

Kellie Crete, Gowrie Group’s Safety & Loss Control Manager, presented an engaging seminar on the impact of OSHA regulations on boatyard and marinas. She was a featured speaker at the 2014 International Marina & Boatyard Conference (IMBC), held this year in Fort Lauderdale, FL. Her seminar focused on helping marina and boatyard owners, operators, and managers, as well as dock masters, harbormasters, and boat builders and repairers, understand how they can build working relationship with OSHA. The discussion also addressed boatyard and marina safety as well as how OSHA regulations apply to these types of business. IMBC Seminar Manager, Sarah Devlin, wrote to Kellie, “The seminar series overall at the 2014 IMBC was very positive and you [Kellie] had a lot to do with that. You knocked it out of the park. Again.” One seminar participant said, “Kellie’s session should be a ‘mandatory’ session for every attendee of IMBC.” IMBC is the leading marina and boatyard conference. IMBC is where dedicated marine professionals gather to exchange information, talk about the future of the industry, explore new methods and techniques, receive updates on revised standards and established rules, and discover new products. The conference is produced by the Association of Marina Industries (AMI).

A new OSHA standard is being put in place to bring the US into alignment with the Globally Harmonized System of Classification and Labeling of Chemicals. Chemical users need to continue to update safety data sheets when new ones become available, provide training on the new label elements and update hazard communication programs if new hazards are identified. Chemical producers must review hazard information for all chemicals produced or imported, classify chemicals according to the new classification criteria, and update labels and safety data sheets Read more »

Volunteer workers are often the lifeblood of a non-profit. Whether it’s performing hands-on labor, working at a front desk, delivering meals or cleaning animal cages, volunteers help an organization further its mission in the community. Have you ever thought about what happens if one of your volunteers get injured or hurt? Remedies made available to your employees through workers compensation are not typically extended to volunteer workers. Read more »

Many New England boaters choose in-the-water winter storage during their lay-up period. Following these smart tips will help to keep your boat damage free in the cold months. Read more »

With more than 40 years of experience in coastal risk management, Gowrie Group, a local insurance agency, has seen it all when it comes to hurricane damage. John Fisher, Gowrie’s president of personal insurance, insures many homes on the Connecticut Shoreline hardest hit in the last two years. While damages sustained in the past two storms were tremendous, Fisher reminds us of a critical point: Both Sandy and Irene were downgraded to tropical storms before they made landfall in our state. Read more »

As your trusted insurance advisor, Gowrie Group strives to offer you timely, pertinent information on how to best protect your business or organization from loss. Our safety team focuses on helping clients decrease their liabilities and exposures to fines, lawsuits, negative press, and employee complaints. Our Top-10 series offer practical, smart advice to help you build a safer workplace and improve your OSHA standards. Read more »

Flexible extension cords are widely used at marinas, construction sites, yacht clubs, homes, businesses, and more. Because these cords are often exposed, flexible, and unsecured, they are highly susceptible to damage and misuse that can result in significant hazards. Following safety guidelines can enable effective and safe use of flexible extension cords in most common applications Read more »

Dawn Speros of Gowrie Group will be presenting a seminar on Saturday 9/28 at 10:30 on HURRICANE SANDY, A GAME CHANGER FOR THE INSURANCE MARKETPLACE. Hurricane Sandy was a game changer for the insurance industry. An estimated 65,000 recreational boats were damaged or lost – totaling an estimated $650 million dollars in damage. Coastal homes also took a beating from Sandy, and more than 140,000 flood claims were filed. As a result carriers are tightening their underwriting guidelines, increasing premiums, decreasing capacity, and abandoning traditional markets. Yacht owners need to understand this new insurance marketplace to be able to make smart decisions about how to best protect their boats and other assets. Read more »

Gowrie Group, as managers of The Burgee Program, recommends that propeller guards be installed on all outboard motors used for teaching junior sailing, coaching sailing, running races, and supporting recreational water sports (skiing, tubing, swimming, etc). Experienced boaters know that things happen fast. A typical recreational propeller can travel from head to toe on a person in the water in less than one tenth of a second. Propeller guards add an important margin of safety for boats operated around children, sailors, and swimmers Read more »

All major weather sources are predicting an active or extremely active 2013 Hurricane Season (June 1 to November 1). NOAA's Climate Prediction Center is forecasting 7 to 11 hurricanes, of which 3 to 6 could be major hurricanes with 111 mph winds or higher. Visit Gowrie's Severe Storm Center to access our detailed hurricane preparation resources and videos. Early season is the time to focus on preparedness. Read more »

OSHA has an "emphasis program" on Forklifts. Which means if you have a forklift, you have a greater chance of being inspected. And if you are inspected, there will most likely be a great amount of focus on your forklift, your drivers, and the accompanying paperwork. Gowrie Group recommends that you take the time now to make sure you are in compliance with OSHA's Powered Truck Regulations and to implement these smart forklift safety guidelines. Read more »

Gowrie Group and VFIS are proud to jointly sponsor an important upcoming regional seminar series called Emergency Planning and Response for School Shootings. By teaming up with the local chapter of the International Association of Fire Chiefs, Gowrie and VFIS are working to help protect our schools, first responders, and students. Read more »

Gowrie Group wants to help ensure the safety of all your members, including your smallest members - children. Over the years, the insurance and safety experts at Gowrie Group, who manage The Burgee Program, have worked with yacht clubs across the country to put in place a variety of effective dock and child safety programs. In most cases, the solutions are relatively simple and inexpensive to implement. These best practices can help to prevent tragic accidents from happening at your yacht club. Read more »

January has delivered a mix of nearly record highs, bitter lows, and some wild storms across much of the country. To help you stay safe, protect your property, and prepare for more winter storms and deep freezes to come, Gowrie Group invites you to visit our Winter Weather Center. Read more »

We wish to make our clients aware that the Federal Emergency Management Agency has made resources available to the public through its site: www.fema.gov. Businesses and individuals in a disaster-declared county in CT, NY, and NJ can contact a local Disaster Recovery Center (DRC). FEMA is encouraging all affected parties in disaster-declared counties to register with FEMA for possible assistance with "uninsured" losses. Parties may be eligible for Individual Assistance (IA) or for a SBA loan. Individuals and businesses should not wait for the outcome of any insurance claim, as this could adversely impact their ability to recover through FEMA. (Note that registering with FEMA is not the same as filing a claim for a flood loss through a flood insurance policy.) Parties only have 60 days from the date of the storm to register. Registration is offered online or by phone at: Read more »

In the wake of Hurricane Sandy our highest priority continues to be facilitating client claims. Our agents and account managers have been reaching out to clients throughout the storm-effected areas initiating the recovery process. Our goal is to help our clients achieve timely and equitable settlements. We have committed additional resources to that end, and have established a Gowrie Catastrophe Claim Team specifically focused on the storm losses. The team members and their contact information are listed below. They will be working with your regular account managers to expedite the claim process. Gowrie Catastrophe Claim Team Commercial (business entities): Eileen Silverstein, eileens@gowrie.com Personal (home, auto): Jesse Kane, jessek@gowrie.com Boat/Yacht: Nancy Sprigg, nancys@gowrie.com Burgee Program (clubs and sailing organizations): Denece Herrera, deneceh@gowrie.com

With hurricane SANDY threatening the South and East coast, now is the time to review your storm plans, prepare your hurricane kit, and focus on active preparation. We invite you to take advantage of all the hurricane resources on our Severe Storm Center (www.gowrie.com/stormcenter). Materials include: guidelines for protecting your homes, boats, yacht clubs and businesses; storm preparation how-to videos, step-by-step guide for making a disaster supply kit, and live storm tracking links. If you have any questions regarding your insurance policies, storm preparation, or claims situations contact your account manager directly or call the main Gowrie line at 800.262.8911 or info@gowrie.com.

VFIS of Southern New England, a member of Gowrie Group, is a sponsor of and will be exhibiting at the 2012 New England Fire/EMS Expo on June 20-24 at the Eastern States Exposition, West Springfield, MA. With more than 6,000 attendees, the event is the largest annual gathering of first responders in New England. Gowrie has also been selected as the insurance provider for the event. VFIS of Southern New England is a regional insurance provider focusing on a select client groups, including municipalities, public safety organizations, nonprofits, and others niche groups. The company was formed in 1997 and provides insurance and benefits programs directly to clients and through brokers across New England. VFIS of Southern New England became a member of Gowrie Group in early 2012.

Gowrie Group's Winter Weather Guidelines and Tips. Visit our Storm Center at http://www.gowrie.com/stormcenter. Read more »

Burgee Program’s Best Practices for Dock & Children Safety. Read more »

http://www.gowrie.com/pdfs/Carter_Shoreline_Times_09202009.pdf