Education Blog
Regardless of the type of business you have, you probably use one or more vehicles to get around. Depending on how your organization operates, this can include vehicles that are owned or leased by the business, hired out for limited use or owned by employees but used for business purposes. This last category, the employee-owned…
Read More
The methods and tactics of hackers are constantly changing, but one thing that remains the same is that those purveyors of ransomware and other malware are always looking for the weak link in your defenses. You’ve probably devoted a lot of attention to locking down your company network and devices, but what about the phones…
Read More
Offering voluntary benefits is a great way to enhance your benefits package, differentiate from competitors and increase employee satisfaction—all with little impact on your budget. But while employers may choose to offer numerous types of voluntary benefits that can deliver convenience and value for employees, many employees do not understand the advantages of these voluntary…
Read More
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…
Read More
The commercial auto insurance market has faced substantial underwriting losses and diminished profitability for more than a decade. While the segment continues to face difficult market conditions, rate increases largely remained in the single digits in 2022, demonstrating signs of stagnation compared to double-digital rate jumps that took place in prior years. Nevertheless, several cost-driving…
Read More
In a recent post we discussed our HR and Compliance Portal, our online portal for convenient access to resources on safety, compliance and much more (read about it here). While this portal is a vast and searchable resource, sometimes you need a little personal guidance, especially when it comes to matters of Human Resources. Chances…
Read More
With the anticipated end of the COVID-19 National Emergency and Public Health Emergency (PHE) on May 11, 2023, the federal government is beginning to unwind some of the policies that have been in place during these periods. On March 29, 2023, the Departments of Labor, Health and Human Services, and the Treasury (Departments) issued guidance…
Read More
Most employers are required by law to obtain workers’ compensation insurance to protect employees injured on the job. Unfortunately, not all businesses are able to purchase workers’ comp in the regular insurance market. That’s where assigned risk plans come in. Also known as assigned risk pools or the residual market, assigned risk plans were established…
Read More
What is PWC Coverage? Personal watercraft coverage (PWC) may cover the following: Bodily injury to yourself, another rider, or swimmer injured in your path Property damage to items such as docks, other PWCs or boats Guest passenger liability Medical payments Theft of your PWC A typical policy will include a $250 deductible for property damage,…
Read More
Product recalls can be devastating not only for a manufacturer, but also for its wholesaler-distributors. While the manufacturer is usually held liable for injury resulting from a defective product, any seller of the product can also be held responsible in the United States under tort liability. Certain circumstances heighten a wholesaler-distributor’s risk: When it provides…
Read More