Posts

The Growing Home Care Opportunity Providers are Facing
Home Healthcare Practice
A recent survey of 1,000 adults with an aging parent or grandparent found something striking: 56% are actively planning for care, but only 10% are using in-home care today. That gap is both the home care opportunity and the looming challenge.…

How a High EMR Impacts Construction: 5 Key Effects
Claims Management, Construction Practice Group Content, Workers Compensation Insurance
A high Experience Modification Rate (EMR or Mod) doesn’t just raise your workers’ comp premiums—it can quietly drain profitability across your entire construction business. EMR is a number insurers use to adjust your workers’ comp…

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 InsuranceThe 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…

The Hidden Advantage: How Nonprofits Can Save Up to 40% by Leveraging FUTA
New York, Non-Profit Group Content, Other, State LawA Message to Nonprofit CEOs & CFOs
As leaders of a non-profit organization, you're dedicated to your mission, ensuring every dollar serves your cause. This often means scrutinizing every expenditure, and payroll taxes are no exception.…

Immigration Crackdowns Trigger Insurance Fallout in Construction Industry
Construction Practice Group Content, OtherWith tighter immigration crackdowns making headlines, a lot of the workforce—especially second- and third-tier subcontractors—is disappearing from job sites out of fear of deportation... Now, with fewer boots on the ground, carriers are slapping on tougher terms, scaling back coverage, and bumping up premiums...
Photo by Malcolm Lightbody on UnsplashOptimizing the Machine: How to Mitigate Machinery’s Biggest Downfall
Construction Practice Group Content, Line of Insurance, Practice GroupsEvery year, an estimated 800 deaths and 18,000 injuries cripple the workforce solely as a result of workers operating machinery.
Since the Industrial Revolution, the momentum behind increased production and productivity has come from one main…
Photo by Dylan Gillis on UnsplashHow to Decipher Director and Officer Insurance
Directors & Officers, Line of Insurance, Risk ManagementDirector and Officer insurance is protection for the leaders of a company for when something goes wrong involving them. Some examples include wrongful acts, improper management, or errors in judgment. Many private companies aren’t familiar…
Photo by kate.sade on UnsplashNew Pig Grippy Floor Mats: a Small Change with Drastic Implications
OtherJust like poor training or unwarranted spending, poor floor protection is a culprit that results in huge costs every year, no matter how unsuspecting it may seem. Every day, 25,000 slip, trip, or fall at work. This adds up to around $70 billion…
Photo by Brooke Cagle on UnsplashNew York State Expands Anti-Discrimination Laws
Construction Practice Group Content, Employers Practice Liability Insurance, Food & Beverage Practice Group Content, HR Challenges, Human Services Practice Group Content, Practice Groups, Risk Management, Transportation Practice Group ContentNew 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…
