RISK MANAGEMENT
Insurance Insights
 
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February 29, 2024 |

An efficient and effective return-to-work (RTW) program can significantly reduce workers’ compensation costs for employers while improving the lives of employees by getting them back on the job following a work-related absence due to injury, illness or chronic disease.

February 20, 2024 |

The first step to any digging project is pretty simple – know what’s buried underground! This applies to contractors, road maintenance crews, telephone pole installers, fence builders, landscapers and even homeowners. In fact, anyone breaking ground should fully understand the safe digging tips outlined in this blog.

December 21, 2023 |

The term “one size fits all” has no place in the world of safety gloves. When it comes to sizing up the right glove – one that will allow you to work both safely and efficiently – you must take several considerations into account. The idea is to balance the amount of protection needed with the glove’s characteristics to determine the best option for the task at hand.

November 29, 2023 |

Decades ago, it was not uncommon for a business to pay directly – rather than report – their company’s small claims. The thought was to avoid having those claims count against the experience modification factor (the “mod”). For Workers’ Comp insurance, medical-only claims are an important element in the experience modification rating process, and in many states these claims are reduced by 70% for the mod calculation. This reduction is known as the experience rating adjustment (ERA).

October 23, 2023 |

Construction Risks Insights Reduce The Risk Of Electrical Injuries – With Proper Ground-Fault Protection October 23, 2023  |   A stark reality for the construction trade is the fact that construction workers suffer more electr …

August 24, 2023 |

As the frequency and severity of extreme weather events increases, businesses need an up-to-date and proactive action plan to minimize the impacts of these events on their people and property.

August 15, 2023 |

When it comes to ensuring the health and safety of workers in the manufacturing industry, the importance of personal protective equipment (PPE) cannot be overstated.

July 18, 2023 |

While inflation has always been a concern within the commercial insurance market, over the past year inflationary pressures have influenced various sector trends – including labor shifts, employee wages, medical expenses and rate adequacy challenges.

June 27, 2023 |

An attractive nuisance is a potentially dangerous, man-made condition that exists on a construction site, vacant site or active site after-hours that draws trespassers—including children. If a child trespasses on site due to these conditions, the general contractor on the site can be held liable for any injuries sustained.

May 17, 2023 |

When it comes to keeping workers safe on the job, nothing is more important than head protection. In the manufacturing arena, head injuries may be caused by falling, flying or fixed objects. When these types of injuries occur, they can lead to significant head trauma or even irreversible, long-term damage.

March 30, 2023 |

According to a recent study by the National Safety Council, the average workplace injury results in 21 days of disability. This means that some workers are able to return to work fairly quickly (if they even miss any time at all), while others experience long-term disabling effects from their job-related injuries.

January 20, 2023 |

Employers across the country are struggling to attract and retain quality workers. This is certainly true with respect to the construction industry, which expects continued growth into 2023 and beyond. The purpose of this blog is to highlight new employment research, outline factors contributing to today’s worker shortage, and offer important tips to help employers attract and retain skilled workers.

September 29, 2022 |

Sprains and strains are among the most frequent injuries in manufacturing. The majority of sprains and strains result from lifting, being hit by fallen objects or even an unfortunate misstep. It’s important to note, however, that injuries of this nature can often be avoided when workers exercise a simple step or two of caution.

September 22, 2022 |

The construction industry is one of the most hazardous in the United States. In fact, every time you come to work, you risk suffering an injury. However, you can help improve construction site safety by learning about and avoiding the top four on-the-job hazards, which are: falls, struck-bys, caught-in-between hazards and electrocutions.

August 23, 2022 |

When it comes to workplace safety, there are few roles more influential than that of the supervisor. While handling the everyday situations that help ensure a company’s efficiency and success, supervisors are an integral part of workplace safety programs. Such programs utilize risk management techniques to keep employees safe on the job, thus reducing workers’ compensation costs.

July 29, 2022 |

With the rapid and nearly continuous pace of change in the construction sector, the need for specialist insurance agent/broker expertise is clear. This is not a market for generalists; contractors need consultants who can help them anticipate and take advantage of market changes as they develop.

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