getting out of assigned risk

How to Navigate Out of New Jersey's Assigned Risk Plan

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WHAT is Assigned Risk? Most states require companies to effectuate a workers compensation policy in order to legally run their business. However, carriers can decide not to insure certain companies because of the risks associated with a company’s…
heat exhaustion

Beating the Heat in the Dog Days of Summer

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We have just entered the "Dog Days of Summer," or in other words the hottest part of the year. While protecting yourself or your employees from heat exhaustion seems like common sense, about 675 people die in the U.S. every year due to heat-related…
insurance broker ROI

Leverage These 3 Insurance Brokerage Services to Lower Your Costs & Gain a Competitive Advantage

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In today's evolving marketplace, many best practice firms are leveraging their vendor partners for extra services, driving extra value to their organization. The insurance brokerage relationship is one of the primary areas these firms are mining…

Did You Receive a Letter Regarding NY Department of Labor ICR 59?

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Did you know if your company is located in New York, has annual payroll over $800,000, and a workers comp experience mod. over 1.20, you are required to go through safety procedures? It's true. In 1996 Gov. Pataki signed into Law Legislative…
light duty job example

Using Light Duty Jobs to Lower Your Workers Comp Costs

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Okay, you’re a business. You have employees that get injured, creating workers comp claims, and then driving up your premiums. More money spent. Unfortunately, some of these workers comp claims are unavoidable as there is no way to escape…
risk management button

3 Step Solution For Employees With Frequent Workplace Injuries

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  We see many common trends working with companies over the years that suffer high costs due to workplace injuries. One common thread is that in many of these companies you will see employees who have suffered multiple workplace accidents.…
cyber liability insurance concept

Do You Need Cyber Liability Insurance?

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In a business world taking advantage of all that new and advanced technology has to offer, it might be easy to forget the vulnerability associated with displaying so much private and valuable information on accessible sites. As with all types…
Great vs Average Employees

Marketing To Your Employees is Also Important

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The poster below is a tangible example of how we should be strategically marketing to our own employees. We as fellow business owners and executives spend so much blood and treasure marketing to potential customers, however so little time messaging…
TRANSPORTATION INDUSTRY FAIR PLAY ACT

Advice About Transportation Industry Fair Play Act

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  The new Transportation Industry Fair Play Act, effective April 10, 2014, determines whether a driver of commercial vehicles is considered an employee for the company they are servicing or an independent contractor. The cost ramifications…