You’re at work moving storage boxes when suddenly, you feel a sharp pain in your back. At first, you take a few deep breathes thinking you have just pulled a muscle and if you give yourself a moment, you’ll be…
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Category: Business, Claims, Commercial, Education, Employees, Liability, Loss Control
Tags: claim, employer, First Report of Injury, injury, insurance, Job Description Form, medical benefits, permanency rating, Wage Statement Form, wages, workers' compensation
You just received a phone call from someone who says they represent your insurance carrier and would like to set up an appointment to audit your business operations. You’ve paid all of your premiums on time so what could they…
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Category: Business, Central, Commercial, Financial
Tags: auditor, business, cash disbursements, certificate of insurance, commercial insurance, general ledger, insurance, payroll ledger, policy, premium audit, subcontractors, tax returns
When it comes to workers’ compensation, it’s important to report every claim right away, even if the claim seems downright absurd. Those are the claims that will likely take more time to settle. Why? Some claims, like a finger caught in a…
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Category: Claims, Liability
Tags: claim, date of loss, employer, insurance, investigation, liability, report of injury, statute, worker, workers' compensation
Anything that can go wrong, will go wrong. This adage, coined by American aerospace engineer Edward Murphy some six decades ago, is known as Murphy’s Law. A popular variant to this statement adds the conclusion “at the worst possible moment.”…
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Category: Home, Risk Management
Tags: air conditioning, coverage, Edward Murphy, electrical breakdown, equipment breakdown, home systems, home warranty plans, insurance, mechanical breakdown, Murphy's Law, television, TV
The old saying goes “April showers bring May flowers.” But did you know that April showers can bring more than May flowers? Yes, unfortunately those April showers which are so important to flower growth can also bring dreaded water losses. …
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Category: Central, Claims, Home, Loss Control, Personal, Prevention, Weather
Tags: april showers, exclusion, flood insurance, insurance, may flowers, mold growth, overflow, sewer drain, sump discharge, sump pump, water back-up, water damage, water losses, water mediation, wet rot
Let’s face it….most students don’t dream of a career in the insurance industry. I didn’t. I studied Journalism. I wanted to be an anchorwoman for a major network. Now that’s exciting! Well, life had other ideas for me and today…
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