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.
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.
According to the FBI, staged auto accidents – which occur when one or more drivers maneuver an unsuspecting motorist into a vehicle crash in order to file a fraudulent insurance claim – cost the insurance industry more than $20 billion each year.
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.
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).
Completing an auto insurance application is a fairly simple process. However, it’s still important to take your time and avoid making mistakes. Even the simplest error can lead to increased premiums, policy cancellations or insufficient coverage.
Grounding a tool or electrical system involves creating a low-resistance electrical path that connects to the earth. A ground-fault occurs in a tool or electrical system when there is a break in this low-resistance grounding path. The electrical current may then take an alternative path to the ground through the user, resulting in serious injuries or death.
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.
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.
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.
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.
The importance of homeowners insurance cannot be overstated. After all, owning a home is a major investment. Should an unexpected disaster or accident involving you, your home or your personal property occur, a homeowners insurance policy can help ensure that your investment is properly protected.
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.
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.
The premise of defensive driving is simple—defend yourself against potential accident hazards. Doing so requires driving techniques designed to help keep both you and other drivers safe on the road. With this in mind, we’ve put together these essential defensive driving tips that you can implement the next time you get behind the wheel…
Designed to help protect buildings and other structures under construction, Builders Risk Insurance is a specialized form of property coverage. Also known as “course of construction insurance,” such coverage typically assists with expenses that may result from property damage losses stemming from fire, lightning, hail, explosions, theft and vandalism. Coverage extensions and endorsements may also be available under a Builders Risk Insurance program.
