Safety

Workers’ Compensation: When is a Claim Compensable?

Second in a series of three installments on workers’ compensation coverage Navigating the murky waters of workers’ compensation coverage is a challenge for many employers, especially when it comes to distinguishing exactly what constitutes a legitimate, compensable claim. What exactly determines whether a claim is compensable? In order to be compensable, a claim must meet…

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The Mod Factor: Understanding Your Workers’ Compensation

First in a series on workers’ compensation coverage The Mod Factor. Sounds like a TV show from the 1970s, but it’s really a very important term in calculating and controlling your workers’ compensation costs. The term “mod factor” is shorthand for “experience modification factor,” and it’s the number that is applied as either a credit…

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Not Drunk. Not Speeding. Just Tired.

The dangers and costs of drowsy driving If your company has employees on the road, you’re well-acquainted with the risks and exposures of driving under the influence, and of fast or reckless driving. But perhaps the greatest danger to your drivers and others on the road is drowsy driving. According to the National Sleep Foundation,…

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5 Teen Texting and Driving Tips

Your teen receives a text. Thumbs flash, head bends forward, eyes only on the tiny screen in hand; the urge to connect, nearly irresistible. It is hard to imagine your teen (or any other teen) not responding. But that is exactly what young drivers must do to help stay safe on the road. Considering teens’…

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Hurricane Property Preparation Checklist

Make sure your vehicles have full tanks of gas If you have to leave a vehicle behind, make sure it is not in a low lying area prone to flooding Top off or fill fuel tanks for outdoor grills in case they become your primary cooking appliance Stake small trees, shrubs, and garden plants that…

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Workers’ Compensation Insurance: Why and How You Should Get It

  Are you a business owner looking for a Workers’ Compensation Quote Request? Click here for a Workers’ Comp Quote You’ve done it…you’ve transformed a brilliant idea into reality, and started your own business in Maryland. It’s wonderful; you don’t have to answer to a boss, you can work the hours you want, and you feel truly in…

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Spring Cleaning for Outdoor Fun

As winter’s lingering shadow lessens, and the sun shines brighter and warmer every day, it’s an ideal time to give your front and back yards a thorough spring cleaning in preparation for a long stretch of satisfying, beautiful, and safe outdoor fun. Here are some suggestions for outdoor spring cleaning: Rake it up! Put the…

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Fun Overload: When Good Times Get Out of Hand

March is a much anticipated month in Maryland, when many of us start shedding our winter layers in excited preparation for the coming spring. In addition to extra clothes, however, some folks also shed their common sense. There is such thing as having too much fun, and a few times illustrate that better than the…

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National Poison Prevention Week 2016

  What do bath salts, house plants, energy drinks, mouthwash, and over-the-counter medicines have in common? All of the items can be poisonous when used inappropriately and it only takes a second for a child or beloved pet to ingest a household chemical or medicine that could cause permanent damage. Every March, the American Association…

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Weather Watch

Calculating the costs of natural disasters and extreme weather events is a complex process that takes a myriad of factors into account, including insurance payouts, lost income, property damage, and lives lost. In most cases, the cost of damage caused by these events far exceeds insured losses. Read on to find out some of the…

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