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The Growing Problem of Medical Identity Theft

The growing problem of medical identity theft and the havoc it wreaks with its victims is highlighted in a recent Bloomberg article. Medical identity theft victims are usually reticent to share the details of the crime since the theft is felt as such a personal violation. Details of the theft are shared here, as well as ID Experts’ investigative and restoration efforts on the victim’s behalf, including the challenges to unraveling the tangled web of medical identity theft. “Arnold Salinas knows a lot about the person who stole his identity. He’s 5-foot-9, 190 pounds. He pays for pizzas with forged… Read More »The Growing Problem of Medical Identity Theft

More Workers Claiming Job Discrimination Over Language, Accents

More people in the workforce are claiming discrimination over their English-speaking ability or foreign accents, according to federal officials. Workplace discrimination complaints based on national origin — which often involve language ability — rose by 76 percent from 1997 to 2011, when more than 11,800 complaints were lodged with the U.S. Equal Employment Opportunity Commission. Read more

Smart Hiring Practices

In preparation for the holiday shopping season, you may find yourself in need of hiring additional staff.  A poor hiring decision can create financial and operational problems as well as expose a business to a variety of risks.  The estimated cost of a poor hiring decision varies, but research indicates on average, an organization is likely to lose 2 1/2 times the amount of the person’s annual salary. With this in mind, it is apparent why proper screening and selection procedures are important to avoid financial and operational problems down the road. Selecting skilled, dependable employees is the starting point for an effective risk… Read More »Smart Hiring Practices

Smartphone App for Workers’ Compensation

With this blog post we decided to start posting reviews about mobile applications related to insurance industry. Google wants to make our world digital – to have a soft copy of pretty much anything around us (and even inside us too). Insurance industry is barely catching up with the technology. And each small achievement in that area deserves cheers and signifies the progress we all make. Today we will look at a new workers comp. application from the University of Alabama at Birmingham. But there is a catch: the workers’ comp app isn’t really an app — it’s more app-like… Read More »Smartphone App for Workers’ Compensation

Workers Comp Insurance for Restaurant

No prior coverage, no problem! Save time by using our instant quoting system and get workers comp. insurance quote for your restaurant or cafe. We will help you compare rates from the multiple companies we represent. Save even more – find out if discounts are available when you combine business liability or auto with workers compensation coverage. Conveniently purchase – call or go online, no need to wait for your current policies to expire. Keep up with life’s changes – we’ll be there to help when you need to update your coverage. Pay as you go – never wait for… Read More »Workers Comp Insurance for Restaurant

Longshoreman and Harbor Coverage

Are you involved in operations that are subject to the U.S. Longshore and Harbor Workers’ Compensation Act? This act, administered by the U.S. Department of Labor, provides medical benefits, compensation for lost wages and rehabilitation services to longshoremen, harbor workers and other maritime workers injured during the course of employment, or who suffer from diseases caused or worsened by employment conditions. Although finding the workers compensation coverage for such operations may not be easy and extra caution should be exercised we are confident we have enough resources to provide you with a competitive quote from multiple carriers.

Heat Exhaustion and Heat Stroke

When working outdoors in hot weather, workers who do not take precautions can suffer from heat exhaustion or heat stroke. Heat exhaustion is caused by prolonged exposure to high temperatures and Inadequate fluid replacement. Heat stroke is the most severe of heat-related problems. It is potentially life threatening because the body’s normal mechanisms for dealing with heat stress, such as sweating and temperature control are lost. The following are the symptoms of these diseases and the steps needed to help the victim. Heat Exhaustion Symptoms: The first signs of heat exhaustion are dizziness, weakness, headache, blurred vision, nausea, and staggering.… Read More »Heat Exhaustion and Heat Stroke

Health Care Spending Law in San Francisco

Under the 2006 law, employers with 100 or more employees are required to spend $2.20 per hour per covered employee on health care, while employers with between 20 and 99 employees must spend $1.46 per hour. Employers with fewer than 20 employees are exempt. Elements of the controversial spending law had been feverishly debated among city legislators until late last year, when the city’s Board of Supervisors approved a measure requiring money contributed to health reimbursement arrangements to be made available to active employees up to 24 months after the contribution. Most employers, though, meet the spending requirement by paying… Read More »Health Care Spending Law in San Francisco

Risk Control: Fire Safety Plan

Introduction

The development of a Fire Safety Plan (hereinafter referred to as the “Plan”) will help ensure the optimum use fire prevention and life safety features installed in a building. The complete plan will reflect all the resources available to the building occupants and identify the basic measures that will aid in an orderly and safe evacuation all occupants in an emergency. An effective Plan that enhances the life safety of staff and building occupants requires:
• a commitment by building management and staff to the safety of occupants;
• knowledge of the building and its fire safety protection equipment by supervisory staff;
• a clear understanding by supervisory staff of the fire safety procedures in the Plan and how to implement properly; and
• the cooperation and education of building occupants.

The following information discusses the preparation and implementation of a Fire Safety Plan.Read More »Risk Control: Fire Safety Plan

Good Laptop Ergonomics

You see them everywhere carrying their laptops. They are businesses’ “Road Warriors” with offices-on-the-go.  These offices on-the-go are allowing people to work all hours of the day and night. And from anywhere: their company; their homes; libraries; at customer sites; while traveling in planes, cars, trains, and buses; and even while taking in some sun on the beach! Laptops are increasingly becoming the equipment-of-choice for employees on the go. Improving Comfort when Using Laptops The main feature that makes laptops the equipment-of-choice is their compactness. While standard desktop computer units consist of three basic and separate components – the keyboard, the screen, and the… Read More »Good Laptop Ergonomics