Studies suggest that about one-third of ER visits are for non-emergency matters. An old guideline defines an emergency as a medical condition with such severe symptoms that a person with average knowledge of health and medicine could reasonably believe their health would be in danger without immediate medical attention. Limiting ER usage transfers the burden…

It’s not only during the holiday times that toy shops are faced with business perils, though they certainly are heightened during the busy season. Like other retail outlets, toy stores share common risks, but there definitely are added exposures due to the specific line of industry. Ordinary risks include damages caused by fire, weather and…