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Why It Is Important to Review Your Business Insurance Annually

One of the keys to managing risks when you first start a business is getting the right insurance to cover your operations, property and potential liabilities. Unfortunately, many business owners fail to update their policies and just renew them year after year even if the company has grown, expanded operations and facilities, and added new

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How to Keep from Hiring a Serial Workers’ Comp Filer

As employers have found in the last few years, hiring has become more difficult as the labor market has tightened amid a strong economy. With slim pickings, many firms are having to settle for workers they may not normally hire – but that can lead to issues. Some employers even have a hard time finding

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The Importance of Employment Practices Liability Coverage

Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time. In fact, such employment practices claims are widespread – so much so that most businesses are much more likely to have an employment practices liability claim than a general liability or property loss

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Newsom Set to Sign in Sweeping Independent Contractor Bill

California Gov. Gavin Newsom has signed legislation into law that will codify a court ruling from last year that set new ground rules for what constitutes an independent contractor, and which expands on that ruling. There’s been a lot written in the media about the legislation, AB 5, and unfortunately much of it misses the

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New Experience Rating and Physical Audit Levels Set

Starting in 2020, the threshold for California employers to be eligible for experience rating (X-Mod) has been reduced by order of the state insurance commissioner. Commissioner Ricardo Lara in September approved the recommendations by the Workers’ Compensation Insurance Rating Bureau to lower thresholds for determining eligibility for experience rating and when a carrier needs to

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Ten Steps to Improve The Traffic Safety of Your Employees

Vehicle crash statistics are startling. A vehicle crash occurs every five seconds, someone is injured in a vehicle crash every 10 seconds, and someone dies in a car crash every 12 minutes. Since most of these crashes occur on workdays or while a person is commuting to or from work, employers are often impacted by

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Basics of a Strong Lockout/Tagout Program

A lockout/tagout program will not be effective if your employees are not properly trained in how it works, and if you don’t have consequences for them if they fail to follow the program. Every year, hundreds of workers in the United States die because they don’t follow lockout/tagout procedures or their employers did not have

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