Blog

  1. Common Exposures of Craft Breweries

    by Elaine

    Ninety-seven percent of breweries currently operating in the United States are classified as regional craft brewers, microbreweries or brewpubs. This section of the industry differs from more traditional, large-scale brewers, presenting owners with a unique set of risks that must be considered. Premise Liability When you open your property to the general public you are […]

  2. OSHA Recommends the Use of Leading Indicators

    by Elaine

    OSHA recently launched a new webpage encouraging safer workplaces through the use of leading indicators. Leading indicators are proactive and preventive measures that can shed light on the effectiveness of safety and health activities, and reveal potential problems in a safety and health program. One example of a leading indicator may be the amount of […]

  3. Five Strategies for Reducing Workers’ Compensation Costs

    by Elaine

    Category: Blog

    When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and spending. The key to spending fewer dollars is more than just stopping a few accidents; it is having a sound safety program designed to continuously improve. This is where a safety program that, at […]

  4. Workers’ Compensation Insurance: An Overview

    by Elaine

    Category: Blog

    Workers’ compensation coverage pays benefits to workers injured on the job, including medical care, part of lost wages and permanent disability. It also provides death benefits to dependents of employees killed from a work-related accident. Workers’ compensation systems are different in every state, as individual statutes and court decisions have shaped the way they handle […]

  5. Reporting Workers’ Compensation Claims

    by Elaine

    Category: Blog

    Workers’ compensation laws are often misunderstood because they can vary significantly between states. If your employee reports an injury and you are unsure of what steps to take, you are not alone. However, regardless of your company’s geographical location, the first two days after an employee gets injured on the job are always the most […]

  6. Understanding Your Workers’ Compensation Experience Modification Factor

    by Elaine

    Category: Blog

    A key to understanding your workers’ compensation premium is the experience modification factor, also known as your mod. Understanding your company’s mod and the data used to obtain it helps you identify ways to minimize your workers’ compensation premium.   Who calculates the mod factor? Most states use the National Council on Compensation Insurance (NCCI) […]

  7. Coverage Insights: Commercial Property Fire Coverage

    by Elaine

    A fire in your workplace can be extremely costly; in addition to the costs associated with fixing the damages, there is also a good chance that your day-to-day business activities will be interrupted during the repairs. To avoid potential expenses related to workplace fires, it is important that you have adequate fire coverage, which is […]

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  8. Proposed Rules Would Require Hospitals to Publish Retail Prices for Health Care Services

    by Elaine

    Category: Blog

    On Monday, July 29, 2019, the Centers for Medicare and Medicaid (CMS) proposed rules that would require all Medicare-participating hospitals to post their negotiated prices for standard health care services. The Outpatient Prospective Payment System (OPPS) & Ambulatory Surgical Center (ASC) proposed rule is intended to increase pricing transparency and help consumers understand the charges […]

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  9. Potential Benefits and Drawbacks to CBD Oil

    by Elaine

    Cannabidiol (CBD oil) has become a popular subject in the media. You may have even noticed it steadily finding its way onto the shelves of health stores and coffee shops, or at stores that specialize in or exclusively sell it. While you may have heard many stories on the varying uses and effectiveness of CBD […]

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  10. NEWS BRIEF: Equifax to Compensate Victims of Data Breach

    The Background In 2017, Equifax, one of the largest credit reporting agencies in the United States, was the victim of a massive cyber attack—an attack that compromised the personal information of approximately 147 million people. On July 22, 2019, the company agreed to pay at least $575 million—and up to $700 million—as part of a […]

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