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One option available to small businesses seeking an all-encompassing policy that packages property and liability coverage into one is the business owner’s policy ― also known as the BOP. These policies are designed to simplify risk management for small to mid-sized businesses and are generally a good bet for providing the greatest amount of coverage
One of the most perilous times for a company in an employment relationship is when a worker is leaving. Departing employees have taken customer lists, vendor lists and sometimes company secrets on the way out the door, whether they were laid off, fired or quit on their own. This unethical, and sometimes illegal, time-honored tradition
A new study has found that workers who are provided with paid sick leave are less likely to suffer workplace injuries than those without access to such leave. Researchers at the National Institute for Occupational Safety and Health found that private sector workers with access to paid sick leave were 28% less likely to suffer
Physical medicine treatments like physical therapy, acupuncture and chiropractic care correspond with reduced opioid prescription use among injured workers, a new study has found. Workers who were treated using physical medicine while also being prescribed an opioid all received lower doses of prescribed opioids compared with workers with similar injuries who did not receive physical
With increases in litigation and federal and state enforcement of wage and hour laws, employers should make sure they comply with laws at both the federal and state levels. All businesses should conduct periodic self-audits addressing the various wage and hour issues that are applicable to their workplace, in order to avoid the most common
In some instances, a commercial crime insurance policy may offer coverage for money a company loses due to a cyber attack, a court has ruled. The 11th U.S. Circuit Court of Appeals in Atlanta has ruled that an insurer must indemnify a policyholder that was scammed out of more than $1.7 million in a phishing
More and more companies are being sued for discrimination by job applicants who have legally been prescribed medical marijuana, after they failed pre-employment drug screenings or because of their use of the substance. The issue of medical marijuana is difficult in terms of the employment picture, especially now that 33 states and the District of
During the busy holiday season, there are many distractions that make parking lots a fairly dangerous place to be. The combination of early sunset, increased traffic and pedestrians, scam artists, vandals and thieves, and people in a rush, can sometimes be a deadly combination. Just a momentary distraction or lapse in judgment can lead to
More than 35% of workers in the U.S. are not getting enough sleep, a new study has found. That can lead to serious workplace safety issues, especially for occupations that use heavy machinery, people who work in factories or warehouses, construction or as drivers. Among workers in other occupations it can lead to costly mistakes,
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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