train-tracks divide

Why The Commercial Insurance Marketplace Fails Your Business

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Simply put, the insurance claims goals between most commercial insurance buyers and the carrier / brokers heretofore named the insurance marketplace are misaligned. The goal of a savvy insurance buyer is to transfer as much risk to the…
Risk Management is the Road Less Traveled By

Risk Management : The Road Less Traveled

It’s a fact that companies who stop simply purchasing insurance and begin to manage risk achieve higher profits and greater market share as they improve their competitive position in their native markets. The question is what would you…
two die roll sixes

Safety Management by Luck

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When it comes to safety, organizations traditionally adjust their seriousness of response (and their tracking) based on the severity of the incident. The following diagram shows such an organization. The arrows are drawn based on the…
college football quarterback

If A Football Team Was Run Like Most Safety Programs

Football as a Business After watching the Super Bowl this past weekend, I started to think, “What if a football team was run like a business?” The offensive team would be the production department, always pushing for the goal before…

The One App That Could Lower Your Insurance Costs By 30 Percent

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Mobile App Insurance If you are still using paper forms to report claims, you are on the losing end of the cost battle. Every company struggles with lowering their costs. The winners understand that lower costs equal greater market share or…
OSHA Requires Jobsite Postings of Form 300A By February 1

OSHA 300A Must Be Posted From Feb. 1st - April 30th

Remember to complete and post OSHA Form 300A, which lists a summary of the total number of job-related injuries and illnesses that occurred during 2015. The form must be posted from February 1st to April 30th, 2016. Fines for not doing so…
glasses on laptop

Top Blog Articles for 2015

Based on our analytics, these were the top read Blog Articles of 2015. We put a lot of time and thought into these. We are happy to see the dividends of our efforts. Every year business becomes more and more competitive which is why we must…
businessman filling out paperwork

Important Update: Department of Finance New York Warns Not To List Additional Insureds When There’s Automatic Coverage

As of December 14th, 2015 the New York State Department of Financial Services has informed us that insurance producers (Agents & Brokers)  may not list individual additional insureds on a certificate of insurance when the policy provides…
shoe and plastic cast

What To Expect When An Employee Goes Out on Disability

In New York, Short Term disability is an employer required program that pays 50% of pre-disability wages, up to a maximum of $170.00 per week (unless the employer provides additional coverage) to an employee who is unable to work, because of…