Workers Comp & Safety News – August/September 2019

How To Make Safety Education Fun and Effective

safety trainingIt’s often a challenge to capture the attention of employees when the subject is safety.
Read on for details.

Five Exceptions to The Going and Coming Rule

man in carIt’s not always easy to determine whether workers’ compensation rules apply to job related travel and the rules vary from state to state.
Read on for details.

9 Ways to Improve Your Workers’ Comp Program and Save Money

money growing on plantsThe key is advance planning.
Read on for details.

When to Subrogate a Workers’ Compensation Loss

For there to be a workers compensation subrogation, there must be third-party fault.
Read on for details.

Managing Risk – Summer 2019

OSHA to Publish Specific Rules for Preventing Workplace Violence

work crime sceneThere are four types of workplace violence. You should know the four ways to mitigate it.
Read on for details.
 
 
 

Getting the Best Outcome from a Workers’ Comp Incident

worker on the floorThe definition of what is the best outcome has become more expansive in recent years.
Read on for details.
 
 
 

Who Needs Product Liability Insurance?

insurance blocksIf you manufacture, sell or distribute any kind of product, you probably need some kind of protection from product liability claims. Read on for details.
 
 
 

What is Environmental Liability Insurance?

Standard business general liability (GL) policies provide little coverage for pollution damage, including toxic spills like the one in West Virginia in 2014.
Read on for details.

Personal Lines – Summer 2019

6 Common Homeowners Insurance Coverage Gaps

house with gapMany of the following types of losses may not be fully covered under a basic homeowners policy. Some may require separate policies.
Read on for details.
 
 

Five Most Common Dangers in your Home

flaming burner on stoveSimple safety precautions in the home can prevent needless deaths and injuries and save billions of dollars in costs. Read on for details.
 
 
 

What Does that Speeding Ticket Really Cost?

man with his head on the steering wheelEvery year, about 41 million Americans, or one-fifth of drivers, get speeding tickets. They pay more than $6.2 billion in fines, according the U.S. Highway Patrol.
Read on for details.
 
 

Home-Based Business Insurance Options

In addition to needing property and liability insurance for your home based business, it’s important to consider two other important kinds of business insurance.
Read on for details.

Insurance Buyers’ News – May/June 2019

Don’t Be the Victim of a Nigerian Prince

hook through credit cardYou wouldn’t knowingly send money to a Nigerian Prince. But ransomware and phishing attacks are becoming more sophisticated. Smaller companies are especially vulnerable. Read on for details.
 
 

Preparing for the Worst with Active Assailant Insurance

gunThe coverage was introduced only a few years ago and more companies are now offering it.
Read on for details.
 
 
 

Two Essential Property Endorsements You Need if You Plan to Rebuild after a Loss

dilapidated buildingYour insurance may cover your losses, but will it be enough to meet new building code requirements if you rebuild?
Read on for details.
 
 

Cyber Liability Insurance Policies

Due to the lack of actuarial data, it’s been difficult to price cyber liability insurance.
Read on for details.

Managing Risk – Spring 2019

Top Causes of Loss in the U.S. and the World

explosionThe largest financial losses worldwide come from fires/explosions and aviation incidents, according to an analysis of the Top Causes of Loss of 470,000 insurance losses around the world by Allianz Global Corporate & Specialty (AGCS) Insurance.
Read on for details.

How to Protect Your Interests When Working with Contractors

workers on scaffoldingOne of the most effective and simplest ways of protecting your organization from liability due to contractors’ and subcontractors’ operations is with Additional Insured coverage.
Read on for details.
 
 

How Workers’ Compensation Claims Reserves Are Set

floating dollar signsIt’s in your interest to make sure reserves are set as accurately as possible.
Read on for details.
 
 
 

Meet Your Insurance Professional: Claims Examiner

Workers’ compensation insurers and some self-insured employers have employees who examine claims after they are submitted for payment.
Read on for details.

Personal Lines – Spring 2019

Auto Insurance Policy Changes You Should Know About

insurance policy papersIncluding updates on flying cars, key fobs and pet injury coverage.
Read on for details.

Dr. Risk Management says, “Get an Insurance Checkup”

insurance checklistIt’s good for your financial health because having too little — or too much insurance — can cost you money. A regular insurance checkup can help ensure you have the amount and type of coverage you need. Read on for details.

How Does Green Construction Affect Insurance Costs?

grass houseIn the next three years developers expect 60 percent of their projects will be Green.
Read on for details.

Benefits of Green Construction

Siting and design efficiency — the goal is to minimize impact in terms of a building’s location and the surrounding environment.
Read on for details.

Workers’ Comp & Safety News – February/March 2019

9 Proactive Techniques to Improve Your Workers’ Comp Program and Save Money

arm in a braceYour agent is an excellent resource for ensuring you’re ready when an accident happens — and it doesn’t cost more than necessary.
Read on for details.
 
 

What Is Integrated Disability?

people shaking handsWith companies like MetLife and Travelers working together to create programs such as their trademarked Synchrony, the concept of integrated disability is gaining wider acceptance, though there are still hurdles.
Read on for details.

Workplace Injuries — What Are the Odds?

woman walking through airportOdds are workplace injuries won’t happen — yet they do. The odds can be lowered considerably by taking control of the work environment and ensuring employees perform the job the right way.
Read on for details.
 
 

Meet Your Insurance Professional: Claims Examiner

Workers’ compensation insurers and some self-insured employers have employees who examine claims after they are submitted for payment.
Read on for details.

Managing Risk – Winter 2019

Do You Need Professional Liability Insurance?

woman on tight ropeUnless you’re an attorney, doctor or accountant, it may not be obvious to you that you may need professional liability insurance.
Read on for details.

Opioid Update:

pill caseThere is progress in efforts to reduce opioid use in workers, despite the hurdles. Read on for details.

Marijuana Use Linked to Increased Car Crashes

man drivingAlthough the workplace impact of marijuana in states where it’s been legalized has mainly been a workers compensation concern, a recent study now links marijuana use to increased auto crash claims. Read on for details.

What’s a “Reasonable Accommodation”?

The Americans with Disabilities Act (ADA) and amendments apply to employers with 15 or more employees. These employers cannot discriminate against individuals with disabilities in hiring, promoting, retaining and other aspects of employment.
Read on for details.

Personal Lines – Winter 2018

What Do You Mean That’s Not Covered?

person holding houseJust because something is in your home doesn’t necessarily mean it’s covered by your homeowners policy.
Read on for details.

What Happens if I have a Homeowners Claim?

penguins in flooded kitchenAfter a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! Read on for details.

Insuring Motorcycles…and their Drivers

man riding motorcycleAs with cars, states require motorcycle owners to buy a minimum amount of liability coverage.
Read on for details.

Alternatives to Insurance for Home Electrical and Mechanical Systems Losses

One thing you can (and should) do to reduce potential losses to these systems is to take good care of them by:
Read on for details.

Insurance Buyers’ News – November/December 2018

Marijuana Use Linked to Increased Car Crashes

young man drivingAlthough the workplace impact of marijuana in states where it’s been legalized has mainly been a workers compensation concern, a recent study now links marijuana use to increased auto crash claims.Read on for details.
 

Do You Need Professional Liability Insurance?

business woman on tightropeUnless you’re an attorney, doctor or accountant, it may not be obvious to you that you may need professional liability insurance.
Read on for details.
 
 

What’s a “Reservation of Rights” Letter?

person signing paperAnd what should you do if you get one?
Read on for details.
 
 
 
 

What’s a “Reasonable Accommodation”?

The Americans with Disabilities Act (ADA) and amendments apply to employers with 15 or more employees. These employers cannot discriminate against individuals with disabilities in hiring, promoting, retaining and other aspects of employment.
Read on for details.

Managing Risk – Fall 2018

Nine Ways to Save on Workers Comp Insurance

man falling from ladderYour agent can help explain in more detail and show you how to get the best rates for the coverage you need. Read on for details.
 
 
 

Auto-Related Workers Comp Claims on the Rise

car crashThe percentage of vehicle-related workers compensation claims are increasing, both in count and in percent of total claims, according to data from AF Group. Read on for details.
 
 

Lightning Strikes

lightningYou cannot prevent lightning from striking, but you can take steps to minimize the damage it can cause. Read on for details.
 
 
 

Lightning DOES Strike Twice

Lightning hits the ground in the U.S. about 15-20 million times per year. It occurs more often in certain areas than others. Read on for details.

Personal Lines – Fall 2018

Hot-Car Deaths on the Rise

baby in carseatSince 1990, 800 children have died in hot cars. A combination of education, technology and legislation could help prevent these tragedies from happening in the future.
Read on for details.
 

How to Make an Insurance Claim

tabletWe hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage. Read on for details.
 
 

Is Your Home Ready for Windstorm Season?

fallen treeHurricane activity peaks in the fall, but severe windstorms can occur at any time of year. The following pointers can help you protect your property.
Read on for details.
 
 

What Is a Mortgage or Lenders Loss Payable Endorsement?

When you buy property, such as a home (real property) or a car (personal property), and make payments on it, the party that lent you the money to buy it will need a way to protect its financial interest. To do this they will require you to add to your home or auto insurance policy a Mortgage or a Lenders Loss Payable endorsement. Read on for details.