Serious Workplace Injuries: When Are You Required to Report to OSHA?

Serious Workplace Injuries: When Are You Required to Report to OSHA?

Serious workplace injuries can be complicated. When an employee is seriously injured—or worse–on the job, our priority is usually providing the medical attention they need, reassuring and dealing with other employees and notifying family members when necessary. Making an OSHA report isn’t usually the first thing that comes to mind. The Occupational Safety and Health Act of 1970 (OSH Act) requires covered employers to report certain work-related injuries and illnesses to the Occupational Safety and Health Administration (OSHA). OSHA is a part of the U.S. Department of Labor and is... Read More

Obamacare Replacement Bills Introduced in Congress

American Health Care Act Introduced in Congress

Republican leadership in the U.S. House of Representatives introduced two bills to repeal and replace the Affordable Care Act (ACA), also known as Obamacare, through the budget reconciliation process. These bills are collectively known as the American Health Care Act. To become law, these bills must go through the legislative process, although a budget reconciliation bill can be passed with a simple majority vote. Debate on the legislation is scheduled to begin on March 8, 2017. Impact On Employers This new act will not entirely repeal ACA, but will make... Read More

International Travel Insurance Can Protect Your Staff on the Road

International Travel Insurance Can Protect Your Staff on the Road

Do you or your employees travel out of the United States on business? Do you protect yourself and your employees with international travel insurance? Have you ever thought about it? Your employer-provided health insurance doesn’t provide coverage outside of the US. And what if there’s a weather-related delay, lost luggage or other difficulties of travel? International Travel insurance offers a broad range of benefits and services, such as worldwide emergency hotline services, medical evacuation, reimbursement for unexpected cancellation or delay, and more. Companies with employees who travel abroad for business... Read More

Disability Insurance Can Help When You Can’t Work

Disability Insurance Can Help When You Can’t Work

Have you ever suffered an injury or illness that caused you to miss work? Not just for a sick day, but for a month or two—or even longer? If you have, how did you make up for the lost income after you ran out of sick leave (if you even had it)? If you haven’t, have you thought about what you will do when it does happen? Are you thinking it isn’t going to happen to you? According to disabilitycanhappen.org, more than 25% of today’s 20-year-olds will become disabled before... Read More

Do You Know the Right Life Insurance for You?

Do You Know the Right Life Insurance for You?

If something were to happen to you today, is your family protected? Will your spouse be able to continue paying the mortgage and the car payment? Will your children’s needs be provided for? If you have the right life insurance policy, the answer to these questions will be yes, and you and your family can rest easy, knowing they won’t be left with a double tragedy. Do you know the right life insurance for you? Life insurance is not a one-size-fits-all policy. It is available in a number of different... Read More

Do You Know the Risks of Using Drones for Business?

Do You Know the Risks of Using Drones for Business

While the military and hobbyists have been using unmanned aerial systems (UAS), better known as drones, for some time, businesses are now finding a myriad of uses for them. Drones are creating new opportunities—and new risks—for businesses, and regulators and insurance carriers are  working hard to keep abreast. Are you using drones in your business? Have you made yourself aware of the risks of using drones for business and addressed those risks with your insurance broker? Here are some of the things you need to know. Regulation The FAA considers... Read More

Get Up, Get Active, and Get Healthy

Get Up, Get Active, and Get Healthy

Are you spending your days tied to a desk and then going from desk to car to home? New research shows that sitting for prolonged periods is not good for your health. Most people spend too much time sitting and not enough time engaged in physical activity.   Regular physical activity is vital to good health, and especially important in maintaining or losing weight. Most Americans are well aware of this, yet many remain sedentary. According to the Centers for Disease Control and Prevention (CDC), an astounding 70 percent of... Read More

5 Ways You Can Reduce Work Comp Costs

5 Ways You Can Reduce Work Comp Costs

Have you experienced an increase in your workers’ compensation costs over the last couple of years? How have you dealt with it? Many companies, when they experience an increase in work comp costs try to reduce work comp costs by having a safety meeting and reminding employees of safety procedures and policies. But the key to a real reduction in both work comp injury costs and insurance premiums is doing more than just reminding employees to be safe. Having a strong, sound safety program that all team members follow can... Read More

How to Avoid Accidents on Ice and Snow

How to Avoid Accidents on Ice and Snow

Winter is in full swing, and for most of us that means ice and snow. While we prefer to focus on winter fun, winter is also a season of additional hazards not faced at other times of the year. The same ice and snow that makes skiing, snowboarding and ice skating possible, creates hazardous driving and walking conditions that can lead to slips, falls and dangerous travel. To keep winter fun and avoid serious injury, you need to know how to avoid accidents on ice and snow. What can you... Read More

Change in Leadership May Signal Changes for Obamacare

Change in Leadership May Signal Changes for Obamacare

With new leadership on the horizon for our country, one thing we can be certain of is change. One of the most talked about and contested changes has been the possibility of changes for Obamacare, more formally known as the Affordable Care Act (ACA). Donald Trump has announced many times that he plans to repeal Obamacare and “replace it with something better.” Just last week Senate Republicans introduced a budget resolution that would allow it to be repealed with a simple Senate majority. There is increasing pressure to vote quickly... Read More