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Healthcare Safe Patient Handling

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Healthcare employees are a prime target for on-site injury. The main reason is their job consists of manual labor that usually deals with people. Activities such as lifting/handling human patients are common in the workplace for healthcare employees.…
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Hired & Non-Owned Liability Coverage

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As businesses of all sizes and industries are reevaluating how they plan on doing business moving forward, many small businesses have shifted from physical retail locations to online and home delivery services. This is to keep up with customer…
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Business Interruption Insurance Coverage For Business Continuity

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Most business owners view the whole insurance purchase and claims process as a black art, which this writer completely understands. After 25 years in the business, I too scratch my head at some of the “spells” insurance carriers concoct. Let…

7 Common Insurance Errors Businesses Make

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We recently left a meeting with one of the largest construction companies in the country, whose sales are north of a billion dollars annually. The first comment my counterpart made was, “I cannot believe how poor their systems are...” I…
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A Small Business' Guide To The CARES Act

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On Friday, March 25, 2020, the US Senate passed the CoronaVirus Aid, Relief and Economic Security Act (CARES Act), to help provide financial relief to the people and business of America. This bill is a $2 Trillion dollar relief in response to…
risk management button

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

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You've just seen your Experience Modification Rating (EMR) and it is high again. Or your worst-case scenario, it has gone up again. Year over year, you've spent time shopping for your insurance due to your high EMR. It is time to stop shopping…
Changes To Employment Practice Liability Laws Could Affect Your Business If You Are Not Careful

Is Your Organization Prepared For The Coming Changes That Could Increase Your EPL Risk?

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Rapidly changing times bring rapidly changing standards when it comes to things like diversity, harassment, and discrimination.  Employment practices liability has always had significant exposure but the current social climate adds a hypersensitivity…
Worker burnout in human services

Signs Of Worker Burnout In Home Healthcare

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Signs Of Worker Burnout Worker burnout in the Home Healthcare Sector is a major problem. On top of burn out, home healthcare agencies face a growing problem of worker shortages. The Bureau of Labor Statistics projects 7.8 million job openings…
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New York State Expands Anti-Discrimination Laws

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New York State (NYS) has once again increased its protections against workplace discrimination and harassment by updating and expanding its Anti-discrimination laws. Under a new law enacted on Aug. 12, 2019, certain provisions that were added…