"Blog" Archives

  1. Final Rule on Hospital Price Transparency Released

    by Elaine

    On Friday, Nov. 15, 2019, the Trump administration released its final rule regarding hospital price transparency. This final rule will take effect Jan. 1, 2021, a year later than originally proposed. The Centers for Medicare and Medicaid Services (CMS) had been listening to feedback on a proposed version of the rule for the past four […]

  2. The Basics of Builders Risk Insurance

    by Elaine

    Category: Blog

    Building and construction projects are complicated with no shortage of things that can go wrong. With everything that can happen during the construction process, it is essential to have the proper insurance in place. Of all of the different insurance coverages to consider, builders risk insurance is one of the most essential for companies in […]

  3. Coverage in Action: Employment Practices Liability Insurance (EPLI)

    by Elaine

    From hiring new workers to assigning duties, each of your decisions affects employees in a unique way. Although these actions are critical to running your business, they also create exposures that could lead to costly claims by employees or governmental regulators. Even if they are not warranted, claims for wrongful employment practices can disrupt operations, […]

  4. 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 […]

  5. 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 […]

  6. 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 […]

  7. 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 […]

  8. 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 […]

  9. 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) […]

  10. 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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