Human Services Practice Group Content Archives

Claims-Made Insurance: Protecting Non-Profits and Healthcare Services

For high-risk organizations with professional liability, elder care, childcare, or healthcare liability exposures—ranging from non-profits and home healthcare agencies to skilled nursing facilities and professional service firms—your…

What A High Experience Mod Means and How It Can Affect You

Claims Management, Construction Practice Group Content, Food & Beverage Practice Group Content, General Liability Insurance, Human Services Practice Group Content, Line of Insurance, Risk Management, Transportation Practice Group Content, Workers Compensation Insurance, Workers Compensation Premium Audits

Your Experience Modification Rate (EMR) is still elevated—perhaps higher than last year. Re-marketing your insurance buys time, not relief. Because EMR adjusts workers’ comp pricing according to loss performance, the only durable fix is…

OSHA recordable incidents and workplace safety compliance

OSHA Recordable Incidents: When to Record an Injury

Construction Practice Group Content, Home Healthcare Practice, Human Services Practice Group Content, Non-Profit Group Content, OSHA, Risk Management, Workers Compensation Insurance

The Challenge Workplace injuries are an inevitable part of running a business—some minor, others more serious. Regardless of severity, employers must know which incidents are considered OSHA recordable incidents or not. While the rules…

Best Practices for managing your commercial insurance renewal strategy

What Does a Standard D&O Policy Contain?

Human Services Practice Group Content

What does a standard D&O policy have? A standard D&O policy has three insuring agreements, often referred to as sides A, B and C. These D&O insuring agreements specify the degree of coverage provided by a D&O policy and summarize…

Understanding Your Commercial General Liability Insurance Will Absolutely Save Your Business From Financial Ruin

Cyber Liability Insurance, Employers Practice Liability Insurance, General Liability Insurance, Human Services Practice Group Content, Line of Insurance

Most businesses who purchase commercial general liability insurance have little understanding of how it’s structured and what is important. Instead they focus on the amount of limits offered per occurrence and the premium being charged for…

A Fireside Chat with A Claims Adjuster

Claims Management, Commercial Auto, Construction Practice Group Content, Food & Beverage Practice Group Content, General Liability Insurance, Human Services Practice Group Content, Interview, Other, Risk Management, Transportation Practice Group Content, Workers Compensation Insurance, Workers Compensation Premium Audits

Our Claims Advocacy Team got to sit down with a workers’ compensation claims professional who specializes in high exposure claims. They discussed a high exposure claim that wasn’t reported timely to the carrier after the incident occurred. Please…

New York State's Updated Sick Leave Law

Construction Practice Group Content, Food & Beverage Practice Group Content, HR Challenges, Human Services Practice Group Content, New York, Risk Management, State Law, Transportation Practice Group Content, Workers Compensation Insurance, Workers Compensation Premium Audits

New York State’s Paid Sick Leave policies were introduced on April 3, 2020, and went into effect on Sept. 30, 2020. On January 1, 2021, employees may start using their accrued leave. The number of sick leave hours required is based on…

How Workers' Compensation Class Code #8873 "Telecommuter Reassigned Employees" Can Help You Save Money On Your Insurance Premium

Construction Practice Group Content, Food & Beverage Practice Group Content, Human Services Practice Group Content, Marketplace News, Risk Financing, Risk Management, Transportation Practice Group Content, Workers Compensation Insurance, Workers Compensation Premium Audits

The New York Workers’ Compensation Insurance Rating Board (NYCIRB) has released a new class code for ‘Telecommuter Reassigned Employees’. If you are a business owner you might be wondering how do I adjust my workers' compensation rates…

New York's DOL Introduces New Notice Of Pay Rate form for Home Care Providers Under New York Wage Prevention Act Updates

Human Services Practice Group Content, Marketplace News

Effective October 1, 2020, New York State's Department of Labor requires a new Notice of Pay Rate form for employers. The form is required to be used by home healthcare aide under the Wage Parity Law. The updated changes to the New York Wage…