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A majority of companies are leaving themselves exposed to lawsuits as they take on high-end professional services work and demands grow for expedited deadlines. In fact, a recent report by Forbes Insights and The Hanover found that 40% of small business owners believe they face professional risks, yet they have not purchased professional liability coverage
Engulfment risks are some of the most overlooked hazards in agricultural operations. The most common types of engulfment hazards are in grain silos, where a worker can quickly become trapped and buried by a sudden flow of grain. But there are also a number of engulfment hazards besides grain silos. Workers can also be engulfed
Construction firms are reeling from snowballing costs of building materials due to spiking demand and supply chain snarls that are resulting in massive budget cost overruns. This is especially affecting construction businesses that are managing apartment or commercial projects. These cost overruns are imperiling profits — and risking red ink — on the projects after
One of the keys to keeping the costs of a workers’ compensation claim from spiraling out of control is prompt claims reporting.  Claims are routinely filed late, either by the injured worker who fails to report it to the employer, or the employer dawdling or procrastinating and not reporting the claim to its insurer. Either
If you are just getting a business off the ground, have bought equipment and started hiring employees, insurance should be top of mind.  There are four types of insurance that most small businesses purchase to protect themselves, and without them one accident or oversight could leave you with liabilities you may not be able to
California’s Workers’ Compensation Insurance Rating Bureau is recommending that benchmark workers’ compensation rates for all class codes in the state increase an average of 7.6%. The proposal comes as the economy heats up and, typically during times of growth, workplace injuries also increase. The recommendation, if approved by the state insurance commissioner, would affect all
California’s Workers’ Compensation Insurance Rating Bureau is recommending that benchmark workers’ compensation rates for all class codes in the state increase an average of 7.6%.  The proposal comes as the economy heats up and, typically during times of growth, workplace injuries also increase. The recommendation, if approved by the state insurance commissioner, would affect all
The latest trend in workplace safety best practices is tracking “leading indicators” ― or measuring performance based on the lessons learned from past events ― to reduce the chances of future injuries. Safety professionals are increasingly keeping track of near misses, hours spent on training and facility housekeeping and measuring the impact on the organization’s
One workers’ compensation claim can send your experience modifier spiraling out of control if the injured employee stays away from work for an extended period of time.  The longer they are off work, the more costly the claim becomes since they will continue receiving temporary disability payments. That’s in addition to any medical expenses that
By now, employers should all realize and understand that sexual harassment is illegal. Employers are directly responsible for employee behavior, which gives harassed workers recourse in bringing legal actions against those that employ them. Work-related harassment and discrimination cases have been steadily climbing since the Civil Rights Act of 1991 allowed for trial by jury,
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