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New Rules Clear Up Workers’ Comp, Medicare Conflicts

A new law will make it easier for insurers to settle workers’ compensation claims with older workers who are enrolled in Medicare, in an attempt to resolve an issue that can sometimes drive up premiums for affected employers. The law adds transparency by letting workers’ comp insurers inquire about whether Medicare may have been used

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Don’t Make These Mistakes When Posting Cal/OSHA Form 300A

Employers with 10 or more employees must post their completed Cal/OSHA Form 300A by Feb. 1 and keep it posted in their workplace until April 30. The form must be posted where the company usually posts other employee notices, like minimum wage and workplace safety notices. Form 300A summarizes the total number of fatalities, missed

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Your New Year Insurance Checklist

As 2021 gets underway and while you’re making New Year’s resolutions, you should also resolve to review the state of your business’s insurance program. The best way to do that is to start by reviewing your enterprise’s activities in the past year and how they may affect your insurance policies in the new year. What

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Why Every Business Needs Non-Owned Auto Coverage

Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a business asks an employee to run an errand or visit a customer or vendor using that employee’s car. The business may become legally liable for anything an employee acting on the business’s behalf does while behind the

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Why Every Business Needs Non-Owned Auto Coverage

Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a business asks an employee to run an errand or visit a customer or vendor using that employee’s car. The business may become legally liable for anything an employee acting on the business’s behalf does while behind the

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The Story Behind Increasing Commercial Auto Insurance Rates

Commercial auto insurance rates have been on the rise since 2011, increasing often by more than 10% a year as accidents and claims costs have soared. The trucking industry has been the hardest hit by the steep increases, and there are a number of factors contributing to the rate hikes, according to a recent study

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How to Reduce the Risk of Theft, Vandalism at Your Business

Burglary, robbery and vandalism can be particularly devastating to small businesses in terms of money, customers and employee safety. You can see thousands of dollars of merchandise or equipment damaged or stolen, and your employees and customers can be in mortal danger if your facility is robbed. These types of risks to your business are

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Law Expands California Family Rights Act to Small Employers

A new law that takes effect in January 2021 will expand the California Family Rights Act to cover even small employers—those with five or more staff. The law, which requires covered employers to provide up to 12 weeks of unpaid a year for family and medical leave purposes, currently only applies to employers with 50

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Protecting Your Business During Wildfires

With more wildfires raging across the West, it’s not only homes that are being burned to the ground. Hundreds of business owners have seen their facilities succumb to the flames. If you have a business in an area at risk of wildfires, just like homeowners, you need to take steps to reduce your exposure and

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