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2023 New Laws for Small Businesses in California

In 2022, California Gov. Gavin Newsom signed many laws impacting California employers.   Some of the new laws became effective immediately and others, including some that were signed into law just weeks ago, take effect January 1, 2023, or later. These new laws address several topics, including supplemental paid sick leave, pay transparency, leaves of absence,

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Playing It Safe During The Holidays

As the holiday season nears, your business will have new safety considerations.   From holiday parties and risk of electrical shock to fires and trips and falls, companies have a set of safety and risk management challenges that may not be present during most of the year.   Decorations present their own set of safety challenges, and

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Eeoc Releases New Mandatory Workplace Poster

The U.S. Equal Employment Opportunity Commission has released a new poster that certain employers need to display in their workplaces.   The poster, “Know Your Rights,” must be displayed by all employers who have 15 or more workers. It replaces the “EEO is the law” poster.   WHY THE UPDATE?  The EEOC said it had to update

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At What Point Do You Need Workers’ Comp?

The Division of Workers’ Compensation diligently polices compliance with California law that requires all employers, no matter how small, to cover their employees with a workers’ comp policy. Many small business owners make the mistake of not securing a policy after they hire their first employee. Some wrongly believe they need at least five employees

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How To Coax Disengaged Employees To Sign Up For Health Coverage

One of the most difficult aspects of annual open enrollment is reaching workers who are disengaged from the process and never bother signing up for your group health plan and other benefits they could take advantage of. While employers shoot for maximum employee enrollment, there are always those employees who for a multitude of reasons

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Why You Can’t Afford To Not Have Professional Liability Insurance

Architects, creative agencies, graphic design businesses and other service providers are increasingly being sued for alleged poor work quality, contract breach or missing deadlines — and jury awards are rising.   The costs of defending against a lawsuit of that type could quickly mount, even if you come out victorious in the end.   It’s important to

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Group Health Premiums Set To Rise 6.5%: Poll

U.S. employers can expect to see their group health insurance premiums climb an average of 6.5% in 2023 from this year, according to a new study. Economic inflationary pressures will push the average premium cost per employee to about $13,800, compared to about $13,020 for 2022, according to the study by professional services firm Aon.

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Litigation Grows Over Wire-Transfer Fraud Coverage

Businesses hit by wire transfer scams are increasingly finding it difficult to get their claims paid under their insurance policies unless they have either a crime or cyber insurance policy that covers “computer fraud.”   Wire fraud occurs when an employee is duped by someone posing in an e-mail as a company executive or trusted client

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Workers’ Comp Insurers Continue Cutting Their Rates

Despite the Workers’ Compensation Insurance Rating Bureau recommending that benchmark rates in California be increased in the last two years, the rates that insurance companies are charging for coverage continue falling. But the party may soon be coming to an end, according to a new report.  The California Department of Insurance in fact rejected the

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Workers’ Comp Insurers Continue Cutting Their Rates

Despite the Workers’ Compensation Insurance Rating Bureau recommending that benchmark rates in California be increased in the last two years, the rates that insurance companies are charging for coverage continue falling. But the party may soon be coming to an end, according to a new report.  The California Department of Insurance in fact rejected the

Read More »
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