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We didn’t know if there would be a football season this year, but here we are! The BIG Ten has even reversed its earlier decision, and now games will start in October…GO BUCKS! COVID-19 has changed how we’ll watch these…
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Category: Business, Commercial, Employees, Liability, Loss Control, Prevention
Tags: alcohol awareness, alcohol awareness training course, alcohol consumption, alcohol related accident, alcohol training, bar, bar owners, bartenders, COVID-19, fines, football season, intoxication, liability, loss control, loss control representative, restaurant, safety, Safety Tips, servers, TIPS, workers' compensation
Did you know that over 2.9 million workplace injuries occur each year? Accidents and injuries happen, but the common goal is to limit the number of injuries and keep employees as safe as possible. When an injury does happen, there is…
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Category: Business, Central, Claims, Commercial, Employees, Liability, Loss Control, Prevention, Service
Tags: after an accident, First Report of Injury, injury, nurse, safety, slip and fall accidents, worker, workers safety, workers' comp claims, workers' compensation, workplace, workplace safety
One of the toughest parts of commercial insurance is identifying all of the exposures a business might have. I met with a new client yesterday, Darth Vader, who is the Operations Manager for a business called The Empire. It sounds…
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Category: Business, Commercial, Employees, Liability, Risk Management, Technology
Tags: Builders Risk, business, catastrophic event, cause of loss, cloud storage, commercial, commercial building, commercial insurance, construction, coverage, cyber, cyber security, data, deductible, employee, employees, exposure, exposures, inland marine, liability insurance, risk, risk assessment, safety, underwriter, workers' compensation, workplace, workplace safety
I’m pretty sure not too many people have asked themselves that question, but I have because I’ve been in the insurance industry for (obviously) too long. But, not only that, but what kind of insurance would Santa need, and for…
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Category: Auto, Business, Claims, Commercial, Employees, Liability, Personal, Risk Management, Weather
Tags: auto insurance, auto policy, business auto policy, business insurance, business owner, claim, commercial building, Commercial general liability, commercial insurance, commercial lines underwriter, commercial property, commercial underwriting, coverage, errors and omissions, insurance, insurance claim, insurance underwriter, Personal, personal auto coverage, personal auto insurance, personal auto policy, personal injury, personal insurance, personal lines underwriter, professional liability, protecting business property, Santa, Santa Claus, underwriter, workers' comp claims, workers' compensation
Well, I have officially been in the insurance business too long! While most people enter the holiday season excited about time off with family, tasty holiday meals and gifts under the tree, I find myself pondering the question, “What if…
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Category: Auto, Business, Claims, Commercial, Home, Liability, Personal
Tags: business auto policy, business insurance, employer protection liability, errors and omissions, personal auto poilcy, professional liability, property insurance, Santa, Santa Claus, workers' compensation
Post authored by Bill Coates Have you experienced a time when some home-repair projects needed to be taken care of? Sometimes they’re too big or take too much time for you to tackle yourself: fading paint, falling gutters, or a big…
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Category: Central, Claims, Home, Liability, Personal
Tags: completed operations coverage, contractor, general liability, home repair projects, insured contractor, licensed contractor, low-cost contractor, workers' compensation
If your organization has elected to carry Workers’ Compensation insurance, there are certain factors that will determine how much you’ll pay for the coverage. Frequent claims will cause a significant increase in your premiums. If your company qualifies for an experience…
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Category: Central, Claims, Commercial, Employees, Loss Control, Prevention
Tags: claims activity, experience modification, loss control, OHSA logs, safety program, work-related injuries, workers comp premiums, workers' comp claims, workers' compensation
Every year as people begin to talk about what they are making for Thanksgiving and which family member will top their crazy list, I get excited. Now, admittedly, I love to see and spend time with my family, but the…
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Category: Business, Central, Claims, Commercial, Employees
Tags: Black Friday, claim, coverage, employee, First Report of Injury, holiday, injury, insurance, part-time, retail, seasonal, Thanksgiving, worker, workers' compensation
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
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
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