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10 Important Calls to Make After Flood Damage

California and Florida: Flood waters can cause a lot of destruction to your home, depending on how high the waters were, and how long it takes them to recede. The water can damage not only the contents of your home, but much of the building materials using in your home as well. If this is the first time you have experienced flood damage to your home, it can be overwhelming. Here is a list of ten important phone calls to make once the flooding is over. Insurance Company – This is the first call you should make. Of course, this… Read More »10 Important Calls to Make After Flood Damage

AT&T Goes to Hell

Last week we received an email with the following subject: Important Updates to your AT&T Internet Terms of Service My first reaction was “no way I had gotten rid of AT&T more than a year ago”. But then I decided to review the updates the monopoly sent to me and see what’s going on.  Here is what I found: Abusive Treatment: We have added language that allows AT&T to terminate the service of customers who repeatedly harass or abuse our employees. What??? :))) So you, jerks at AT&T, actually have so many people abusing and harassing your employees, that you even care… Read More »AT&T Goes to Hell

Safe Digging Month of April

April is Safe Digging Month and a great time to – Protect their bottom line and safety – Avoid unnecessary physical risk and utility outages – Prevent avoidable losses “Calling 811 Before Your Contractor Digs” meets these goals! Share this important safety information with your construction clients. At issue: – There are miles and miles of underground utilities that link communities to energy, water/sewer and communications centers. These vital links are at risk whenever a stake, shovel, boring, or mechanized excavation device is put in the ground – Risk of personal injury as well as catastrophic explosions, not to mention… Read More »Safe Digging Month of April

Fighting Insurance Fraud

Insurance is no different than any other field of human endeavor; there are those who try to cut corners and seek unfair advantage. Everyone—employers, employees, medical providers, and insurance carriers—has an important role to play in identifying those who cheat. Fighting fraud is a big job, but you can take some simple steps to prevent fraud from affecting your workplace and wallet. Educate your employees about workers’ compensation. he law requires you to inform your employees about their workers’ compensation rights. They should understand the workers’ benefits for legitimate claims and the penalties for fraudulent ones. Don’t be afraid that,… Read More »Fighting Insurance Fraud

What is Return to Work Program

Numerous studies have shown that injured employees recover faster when they return to work. In addition, their return can decrease claims expenses, limit downtime, and eliminate the need for additional staff. A well-planned Return to Work (RTW) program can help bring your injured employee safely back to work as early as possible in a modified or transitional position. You gradually adjust the transitional job to accommodate the employee’s improving physical condition until they can return to their usual duties. You reduce your costs. Your employee can return to a self-supporting status. Everybody benefits.  Doesn’t that make good sense? If you have… Read More »What is Return to Work Program

Lightning Protection Inspection Program

he Missouri-based Lightning Protection Institute (LPI) is implementing an independent inspection program designed to perform on-site lightning protection inspections. LPI is a not-for-profit group founded in 1955 to promote lightning safety. The organization provides a certification program in lightning protection installation, design and inspection and offers a list of certified contractors across. The group says that lightning is the most frequently experienced weather peril, and its destructive electricity is responsible for billions of dollars in losses to homes and businesses in the U.S. Lightning protection systems can protect commercial, industrial and residential structures, but the groups say it’s important that… Read More »Lightning Protection Inspection Program

How to verify Employers Insurance in California

The California Office of Administrative Law has approved new regulations for creating a Web site that will allow people to verify employers have workers’ compensation insurance coverage, and for employers to dispute with the rating organization or the employer’s insurance company incorrect information displayed on the Web site. Policy numbers will not be disclosed on the Web site. The Workers’ Compensation Insurance Rating Bureau will create the Web site. The regulations will take effect on March 12. Check back later for the website address.  

Low Deductibles for Medical Practice EPLI Insurance

For medical risks seeking employment practices liability coverage, we offer $2,500 SIR, competitive premiums, and provide policyholders with access to risk management tools and resources.  The broad policy definition of employees includes locum tenens. Stand alone D&O is offered for a small additional premium.  Wage and hour defense coverage is also available.  

Directors and Officers Policies are on a Rise

More companies with international operations are buying local insurance to cover the risk of lawsuits against their company managers, according to a survey released Tuesday by Towers Watson & Co. Towers Watson surveyed 496 organizations that obtain directors and officers liability insurance. Out of the 53% that said their companies have international operations, 47% said they bought a local policy in a foreign jurisdiction. That compares with only 2% of respondents with international operations that did so in 2008, the last time the survey was conducted. The survey found that as a rule, the larger the company, the more likely… Read More »Directors and Officers Policies are on a Rise